Madhya Pradesh's welfare schemes present a mixed picture. On one side, rural women's self-help groups have successfully taken loans amounting to ₹3,570 crore with a remarkably low non-performing asset (NPA) rate of 2.4%. This demonstrates accountability and discipline among these groups. Conversely, the Chief Minister Rural Housing Mission, aimed at providing homes for the poor, has become a significant risk for banks, with 67.9% of the ₹1,670 crore disbursed under the scheme turning into NPAs. This marks a troubling increase from 46% five years ago. Similarly, self-employment schemes report 42.9% NPAs on loans worth ₹422 crore. The cumulative NPAs from these schemes amount to nearly ₹2,100 crore, straining the banking system. Furthermore, initiatives targeting denotified and nomadic tribes have only achieved 11.8% of their goals, indicating a gap between policy intent and execution. In contrast, financial inclusion efforts under the Pradhan Mantri Jan Dhan Yojana have expanded significantly, with bank accounts rising from 1.19 crore to 4.66 crore and deposits increasing to ₹18,318 crore. However, the burden of these welfare schemes primarily falls on public sector banks, while private banks remain less involved.