Under the ‘Pradhanmantri Jan-Dhan Yojana’each family will be provided with one basic account, along with debit card. It offers the accident insurance security of Rs 1 lakh to each family and it can also help people with the benefit of direct transfer through their bank accounts.

1. Chhattisgarh Jan DhanYojana

2. Under the Pradhan Mantri Jan Dhan
Yojana (PMJDY), SBI took the lead in
opening, around 1.9 million accounts in
Chhattisgarh by sharing about 30
percent of the new accounts.

3. According to state government
officials, 1904000 new bank
accounts had been opened across
Chhattisgarh. Under the scheme,
the state had set a target to open 2.5
million more bank accounts in the
coming days. All the bank accounts
are opened with zero balance.

4. Of the total accounts opened in the
state, 975977 bank accounts had been
opened in rural area while 928291
accounts had been opened in urban
area. All the 27 public sector and 14
private sector banks in Chhattisgarh
are engaged in this scheme.

5. The SBI, which had been made the
nodal bank for implementing the
scheme, had taken lead by opening
548758 bank accounts under the
PMJDY in Chhattisgarh.

6. It had been followed by
Chhattisgarh Gramin Vikas Bank
that had opened 476569 accounts
since the scheme started some three
months ago.

7. PMJDY scheme was launched by
our Prime Minister in the month of
August. The main features of this
scheme can also be implemented in
every state of India.

8. Chhattisgarh Jan Dhan Yojana was
also launched on the same day. It
includes Rs 5,000 overdraft facility
for Aadhar-linked accounts RuPay
Debit Card with inbuilt Rs 1 lakh
accident insurance cover.

9. After about four months after the launch of
Pradhan Mantri Jan Dhan Yojna (PMJDY),
bank accounts of about 26 lakh families
have been opened. The scheme envisages
universal access to banking facilities with
at least one basic account for every
household with focus on financial literacy,
access to credit, insurance and pension
facility.

10. In addition, the beneficiaries get
RuPay debit card having inbuilt
accident insurance covers of Rs 1
lakh.

11. Prior to the launch of Chhattisgarh
Jan Dhan Yojana, the main objective
was to enroll over 7.5 crore (75
million) households and to open
their accounts.

12. The scheme has been started with a target
to provide 'universal access to banking
facilities' starting with "Basic Banking
Accounts" with overdraft facility of
Rs.5000 after six months and RuPay
Debit card with inbuilt accident insurance
cover of Rs. 1 lakh and RuPay Kisan
Card.

13. Under the scheme:
1. The account holders will get the provision of zero-balance
bank account with RuPay debit card, in addition to
accidental insurance cover of Rs 1 lakh.
2. Those who open accounts by January 26, 2015
over and above the 1 lakh accident, they will be
given life insurance cover of 30,000.

14. 3. The holders can avail 5,000 overdrafts from the bank.
4. With the introduction of new technology introduced by
National Payments Corporation of India (NPCI), a person can
transfer funds, check balance through a normal phone earlier
which was limited to only normal phones.
5. Mobile banking for the poor would be available through
National Unified USSD Platform (NUUP) for which all banks
and mobile companies have come together.
With the introduction of Chhattisgarh Jan dhan yojana, a number
of people living in the far off rural places have benefitted.

15. Get more details at:
http://apnachhattisgarh.in/