Abstract: Ensuring national food security is a matter of paramount importance for the country. Enhancing the resilience of grain production is a key link in building a solid food security barrier. Digital inclusive finance, as an important form of financial service innovation, whether it can play a role in strengthening the resilience of grain production through technological penetration and optimization of resource allocation, and consolidating the foundation of food security is a crucial issue in realizing agricultural modernization and rural revitalization. Based on the panel data of major grain-producing areas from 2011 to 2023, this paper measured the level of grain production resilience using the entropy-TOPSIS method and explored the mechanism of the impact of digital inclusive finance on grain production resilience through fixed effects, mediating effects, and threshold effects. The results showed that: (1) The digital inclusive finance index and its three sub-dimensions all significantly enhanced the resilience of grain production, among which the promotion effect of coverage breadth was the most prominent, followed by the effect of usage depth, and the impact of digitalization degree is relatively weak; (2) Agricultural technological innovation was an important transmission channel for the impact of digital inclusive finance on the resilience of grain production, playing a partial mediating role between the two; (3) There was a threshold effect of the urbanization level in the process of digital inclusive finance affecting the resilience of grain production. As the urbanization level increases, the effect of digital inclusive finance showed an inverted U-shaped feature. Therefore, further promoting the development of digital inclusive finance, promoting agricultural technological innovation, and coordinating urbanization development were of great practical significance for enhancing the resilience of grain production and ensuring national food security.