which is the first total banking state under Jan bhan Yojana
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Pradhan Mantri Jan Dhan Yojana (PMJDY) the biggest financial inclusion initiative in the world, completed its First Anniversary today. It was announced by the Prime Minister Shri Narendra Modi on 15th August 2014 and Mega launch was done by him on 28th August 2014 across the country. Simultaneous launch functions were held in State Capitals and Districts through 79 Mega Camps in the presence of Union Ministers, State Chief Ministers, MPs/MLAs and other dignitaries. More than 70000 account opening camps were held all over the country.
The target of opening one account per household was achieved by 26th January 2015 barring few areas in J & K and left wing extremism affected districts. The success of the Pradhan Mantri Jan Dhan Yojana had shown the potential of the enormous role that the financial inclusion program can play in the rise of the economy. At present more than17.5 crore bank accounts have been opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) and the people have deposited more than Rs.22,000 crore in these accounts.
Empowering the poor and the small by offering them choice and opportunity
The scheme has been started with a target to provide 'universal access to banking facilities' starting with "Basic Saving Bank Account" with an overdraft upto Rs.5000 subject to satisfactory operation in the account for six months and RuPay Debit card with inbuilt accident insurance cover of Rs. 1 lakh and providing social security schemes i.e.,Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Atal Pension Yojana (APY.
Milestones achieved under PMJDY
· Banks have opened 17.74 Crore accounts under PMJDY with deposit of more than22000 crores.
· Aadhaar has been seeded in 41.82% of account opened under PMJDY.
· To ensure universal banking access more than 1.26 lakhs Bank Mitras have been deployed with on- line devices capable of e-KYC based account opening and interoperable payment facility.
· 131012 Mega Financial Literacy camps were organized by banks under PMJDY ‘in coordination with various agencies and 89876 Financial Literacy counters, to spread awareness on PMJDY, use of RuPay cards etc. 147418 students in 2567schools/collage were imparted training on Financial literacy from September 2014 to April 2015(Source: Banks).
· More than 10 lakhs accounts have been found eligible for Overdraft facility. Out of these overdraft facility has been availed by164962 account holders.
· 847 Claims of Life cover of Rs.30000 and389 Claims of accident insurance cover of Rs. 1 lakh have been successfully paid.
· As on 22nd August, 2015, 8.17 crore beneficiaries have been enrolled under the Pradhan Mantri Suraksha Bima Yojana and2.76 crore have been enrolled under Pradhan Mantri Jeevan Jyoti Bima Yojana. 6.83 lakh account holders have been enrolled under Atal Pension Yojana.
· Zero balance accounts in PMJDY have declined from 76% to 45.74% from September 2014 to 19th August 2015
Mission Mode Monitoring of PMJDY
Weekly Video conference (VC) is held under the Chairmanship of Mission Director, PMJDY. The meeting is attended by Addl. Mission Director, PMJDY, Executive Directors of Public and Private sector Banks, representative of IBA, Oil companies, LIC and NPCI to review the progress in PMJDY. In such review meetings several steps are taken for sorting out any problems in successful implementation of PMJDY and these have yielded good results.
Accomplishments
· Jan Dhan Yojana features in Guinness Book of World Records: Guinness World Records recognised the achievements made under PMJDY for opening 18,096,130 accounts by Banks in a week (from 23 to 29 August, 2014) as a part of Financial Inclusion Campaign.
· Launch of dedicated website for Pradhan Mantri Jan Dhan Yojana by Secretary (FS) ON 27.10.2014: website for PMJDY (www.pmjdy.gov.in) which is available in both English & Hindi versions. The website consists of Information on administrative structure with contact details of Central/State/District level mission directors/nodal officers monitoring implementation of PMJDY, information of latest events & latest circulars issued under the Scheme.
· Tableaux on PMJDY – A tableaux of Ministry of Finance (Department of Financial Services) was displayed on Republic day depicting clear picture of the Scheme with the help of larger than life structures, 3D pictures and Mime show. It showed people from low income groups who have been benefitted under the Scheme.
The target of opening one account per household was achieved by 26th January 2015 barring few areas in J & K and left wing extremism affected districts. The success of the Pradhan Mantri Jan Dhan Yojana had shown the potential of the enormous role that the financial inclusion program can play in the rise of the economy. At present more than17.5 crore bank accounts have been opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) and the people have deposited more than Rs.22,000 crore in these accounts.
Empowering the poor and the small by offering them choice and opportunity
The scheme has been started with a target to provide 'universal access to banking facilities' starting with "Basic Saving Bank Account" with an overdraft upto Rs.5000 subject to satisfactory operation in the account for six months and RuPay Debit card with inbuilt accident insurance cover of Rs. 1 lakh and providing social security schemes i.e.,Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Atal Pension Yojana (APY.
Milestones achieved under PMJDY
· Banks have opened 17.74 Crore accounts under PMJDY with deposit of more than22000 crores.
· Aadhaar has been seeded in 41.82% of account opened under PMJDY.
· To ensure universal banking access more than 1.26 lakhs Bank Mitras have been deployed with on- line devices capable of e-KYC based account opening and interoperable payment facility.
· 131012 Mega Financial Literacy camps were organized by banks under PMJDY ‘in coordination with various agencies and 89876 Financial Literacy counters, to spread awareness on PMJDY, use of RuPay cards etc. 147418 students in 2567schools/collage were imparted training on Financial literacy from September 2014 to April 2015(Source: Banks).
· More than 10 lakhs accounts have been found eligible for Overdraft facility. Out of these overdraft facility has been availed by164962 account holders.
· 847 Claims of Life cover of Rs.30000 and389 Claims of accident insurance cover of Rs. 1 lakh have been successfully paid.
· As on 22nd August, 2015, 8.17 crore beneficiaries have been enrolled under the Pradhan Mantri Suraksha Bima Yojana and2.76 crore have been enrolled under Pradhan Mantri Jeevan Jyoti Bima Yojana. 6.83 lakh account holders have been enrolled under Atal Pension Yojana.
· Zero balance accounts in PMJDY have declined from 76% to 45.74% from September 2014 to 19th August 2015
Mission Mode Monitoring of PMJDY
Weekly Video conference (VC) is held under the Chairmanship of Mission Director, PMJDY. The meeting is attended by Addl. Mission Director, PMJDY, Executive Directors of Public and Private sector Banks, representative of IBA, Oil companies, LIC and NPCI to review the progress in PMJDY. In such review meetings several steps are taken for sorting out any problems in successful implementation of PMJDY and these have yielded good results.
Accomplishments
· Jan Dhan Yojana features in Guinness Book of World Records: Guinness World Records recognised the achievements made under PMJDY for opening 18,096,130 accounts by Banks in a week (from 23 to 29 August, 2014) as a part of Financial Inclusion Campaign.
· Launch of dedicated website for Pradhan Mantri Jan Dhan Yojana by Secretary (FS) ON 27.10.2014: website for PMJDY (www.pmjdy.gov.in) which is available in both English & Hindi versions. The website consists of Information on administrative structure with contact details of Central/State/District level mission directors/nodal officers monitoring implementation of PMJDY, information of latest events & latest circulars issued under the Scheme.
· Tableaux on PMJDY – A tableaux of Ministry of Finance (Department of Financial Services) was displayed on Republic day depicting clear picture of the Scheme with the help of larger than life structures, 3D pictures and Mime show. It showed people from low income groups who have been benefitted under the Scheme.
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