Option 1 -> Pradhan Mantri Mudra Yojana provides loans to micro and small business enterprises, not universal banking access.
Option 2 -> Pradhan Mantri Vyay Vandana Yojana is a pension scheme for senior citizens, not related to banking access.
Option 3 -> Pradhan Mantri Suraksha Bima Yojana is an accident insurance scheme, not focused on banking facilities.
Option 4 -> Pradhan Mantri Jan Dhan Yojana is the financial inclusion program launched in 2014 specifically for universal banking access.
Hence, Option 4 (Pradhan Mantri Jan Dhan Yojana) -> This flagship scheme was launched on August 28, 2014, with the mission of ensuring access to financial services including bank accounts, remittances, credit, insurance, and pension to all households. It utilizes bank branches and Business Correspondents (Bank Mitra) to reach even remote areas, making it the scheme specifically designed for universal banking access as described in the question -> correct