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PMJDY Scheme Overview
1. PRADHANMAN
TRI JAN DHAN
YOJANA
-PMJDY
From
V.K. (Vitthal Khairnar)
Trainer
2. INTRODUCTION
On 15th August 2014, India’s prime minister announced the
financial inclusion mission titled “Pradhanmantri Jan-Dhan
Yojana”.
Jan-Dhan Yojana roughly translates into English as “People’s
Wealth Scheme”.
India’s Prime minister Narendra Modi announced the
launching of this scheme at the Red Fort on the occasion of
India’s Independence Day.
Launched on 28 August in 77000 of areas.
3. About PMJDY
The name “Jan Dhan” was chosen through an Online
Competition on the My Gov Platform, received more
than 6000 suggestions from Indian citizens.
7 individuals have suggested “Jan Dhan”.
Slogan – Mera Khata-Bhagya Vidhaatha.
Primarily the PMJDY Scheme is meant for those who
do not have a savings bank account.
Only 58% of Indian citizens are having a bank account.
4. Aim of PMJDY
To bring poor
financially excluded
people into banking
system.
It covers both urban &
rural areas.
To raise Indian
Economy.
To decrease corruption
in Govt subsidy or
benifit schemes.
Digital India.
5. Benefits of opening bank a/c under
PMJDY
Medical insurance cover of
Rs. 30,000.
Account can be opened with
zero balance.
Accident insurance up to Rs.
100,000
Not required to maintain any
minimum balance.
Rupay card can be issued.
Rs. 5000 of overdraft
available only after 6 months
on satisfactory operation in
the account.
6. Participants
Nationalized Banks
Central Bank of India
SBI
Bank of Baroda
Bank of India
Canara Bank
IDBI Bank
Indian Bank
PNB
Union Bank of India
Oriental Bank of commerce
Private –Sector Banks
Axis Bank
Federal Bank
HDFC Bank
ICICI Bank
Indus Bank
ING Vysha Bank
Andhra Bank
YES Bank
Kotak Mahindra Bank
Karnataka Bank
8. Reaching of Target with in a
Day
Number of accounts
10,85,000
3,62,000
5,50,000
3,00,000
1,00,000
2,90,000
20,00,000(from Aug-16)
Bank
Central bank of India
IDBI
Union Bank
Dena Bank
ICICI
Bank of Maharashtra
SBI
