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The document summarizes the Pradhanmantri Jan Dhan Yojana (PMJDY) financial inclusion scheme launched by the Indian government in 2014. The key objectives of PMJDY are to bring financially excluded individuals into the banking system, expand access to banking in both urban and rural areas, and help raise the Indian economy. The scheme allows opening bank accounts with zero balance requirements and provides benefits like accident and medical insurance as well as overdraft facilities. However, there are also challenges around funding the banking correspondent model and increasing transaction volumes per new account.
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Prime Minister Narendra Modi launched the Pradhan Mantri Jan Dhan Yojana (PMJDY) scheme on August 28, 2014. The scheme aims to provide bank accounts, debit cards, accident and life insurance to all Indian citizens who do not have bank accounts. On the first day of the launch, the goal was to open 1 crore (10 million) bank accounts. The scheme targets opening over 15 crore (150 million) bank accounts and bringing over 7.5 crore (75 million) unbanked families into the banking system. Key benefits of opening a bank account under PMJDY include RuPay debit cards, Rs. 1 lakh accident insurance and Rs. 30,000 life
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The document summarizes the Pradhanmantri Jan-Dhan Yojana (PMJDY) financial inclusion scheme launched by the Indian government in 2014. The key goals of PMJDY are to bring financially excluded individuals into the banking system, provide universal access to banking facilities, and promote financial inclusion, especially for poor and rural areas. The scheme offers zero-balance bank accounts with overdraft protection and accident and life insurance benefits. Major nationalized and private banks participate in PMJDY to reach target account openings.
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This document provides an overview of the Pradhanmantri Jan Dhan Yojana (PMJDY), the Prime Minister's People Wealth Scheme, a national mission for financial inclusion in India. The key points are:
- PMJDY was launched in 2014 by Prime Minister Narendra Modi to provide universal access to banking facilities. Its goal is to bring financially excluded people into the banking system.
- The scheme provides basic bank accounts with a RuPay debit card which includes accident insurance of Rs. 1 lakh and an overdraft facility. It aims to reduce corruption and support Direct Benefit Transfers and financial literacy.
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The document discusses the Pradhan Mantri Jan Dhan Yojana (PMJDY), a scheme launched in 2014 by Prime Minister Narendra Modi to promote financial inclusion in India. The key aspects of the scheme are that it provides zero-balance bank accounts, Rs. 1 lakh insurance coverage, checkbooks and passbooks, and access to direct benefit transfers and loans. It aims to benefit farmers through access to lower interest rate loans for agriculture. The scheme could also help reduce black money and ensure subsidies reach beneficiaries by minimizing leakage.
Pradhanmantri jan dhan yojana
The Pradhanmantri Jan-Dhan Yojana (PMJDY) is India's national mission for financial inclusion. Launched in 2014 by Prime Minister Narendra Modi, PMJDY aims to provide universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance and pension. Key benefits of opening a PMJDY account include zero balance accounts, no minimum balance requirement, accident and life insurance coverage, and access to an overdraft facility after 6 months. The scheme aims to bring unbanked populations into the formal banking system, reduce corruption, and support the Digital India initiative.
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The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a government scheme launched in 2014 with the goal of providing all Indian households access to at least one bank account. It aims to promote financial inclusion and provide banking services including deposits, credit, insurance, and pensions to lower income groups that previously lacked access. The scheme was launched in phases with an initial target of opening 7.5 crore accounts by January 2015, later revised to 10 crore accounts. It is a nationwide program backed by the National Mission for Financial Inclusion with the overall philosophy of inclusive development for all.
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The document summarizes the Pradhanmantri Jan-Dhan Yojana (PMJDY) financial inclusion scheme launched by the Indian government in 2014. The key goals of PMJDY are to bring financially excluded individuals into the banking system, provide universal access to banking facilities, and promote financial inclusion, especially for poor and rural areas. The scheme offers zero-balance bank accounts with overdraft protection and accident and life insurance benefits. Major nationalized and private banks participate in PMJDY to reach target account openings.
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This document provides an overview of the Pradhanmantri Jan Dhan Yojana (PMJDY), the Prime Minister's People Wealth Scheme, a national mission for financial inclusion in India. The key points are:
- PMJDY was launched in 2014 by Prime Minister Narendra Modi to provide universal access to banking facilities. Its goal is to bring financially excluded people into the banking system.
- The scheme provides basic bank accounts with a RuPay debit card which includes accident insurance of Rs. 1 lakh and an overdraft facility. It aims to reduce corruption and support Direct Benefit Transfers and financial literacy.
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The document discusses the Pradhan Mantri Jan Dhan Yojana (PMJDY), a scheme launched in 2014 by Prime Minister Narendra Modi to promote financial inclusion in India. The key aspects of the scheme are that it provides zero-balance bank accounts, Rs. 1 lakh insurance coverage, checkbooks and passbooks, and access to direct benefit transfers and loans. It aims to benefit farmers through access to lower interest rate loans for agriculture. The scheme could also help reduce black money and ensure subsidies reach beneficiaries by minimizing leakage.
Pradhanmantri jan dhan yojana
The Pradhanmantri Jan-Dhan Yojana (PMJDY) is India's national mission for financial inclusion. Launched in 2014 by Prime Minister Narendra Modi, PMJDY aims to provide universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance and pension. Key benefits of opening a PMJDY account include zero balance accounts, no minimum balance requirement, accident and life insurance coverage, and access to an overdraft facility after 6 months. The scheme aims to bring unbanked populations into the formal banking system, reduce corruption, and support the Digital India initiative.
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The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a government scheme launched in 2014 with the goal of providing all Indian households access to at least one bank account. It aims to promote financial inclusion and provide banking services including deposits, credit, insurance, and pensions to lower income groups that previously lacked access. The scheme was launched in phases with an initial target of opening 7.5 crore accounts by January 2015, later revised to 10 crore accounts. It is a nationwide program backed by the National Mission for Financial Inclusion with the overall philosophy of inclusive development for all.
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The document summarizes the Pradhan Mantri Jan-Dhan Yojana (PMJDY), the Indian government's financial inclusion program. Launched in 2014, PMJDY provides banking access and services to millions of households across India. Key features include opening no-frills bank accounts with no minimum balance requirements, overdraft facilities, debit cards, relaxed KYC norms, use of technology for account opening and transactions, direct benefit transfers from the government, and accidental life insurance. The scheme has achieved success with over 33.66 crore users and a total balance of Rs. 86,320.79 crores as of December 2018. However, it also faces drawbacks like increased accounts but not transactions and
Pradhan mantri jan dhan yojana
Pradhan Mantri Jan Dhan Yojana (PMJDY) is a scheme launched in 2014 by Prime Minister Narendra Modi to provide universal access to banking facilities. The scheme aims to provide bank accounts to over 75 million unbanked households across India. Key features of PMJDY include zero balance bank accounts, debit cards, accident and life insurance coverage, and an overdraft limit. By January 2015, over 12.58 crore accounts were opened under the scheme, with Rs. 10590 crore deposited. On its inauguration day itself, 1.5 crore accounts were opened, setting a Guinness World Record.
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The PMJDY scheme aims to bring financially excluded people into the banking system through opening zero-balance bank accounts. Launched in 2014 by Prime Minister Modi, the key goals are increasing financial inclusion, reducing corruption, and supporting the Indian economy. The scheme provides benefits like zero fees, accident and life insurance, direct benefit transfers, and overdraft facilities. Account opening requires minimal documentation like Aadhar, voter ID, or passport. Implementation is in phases, with the first phase focusing on universal access and basic accounts and the second on micro-insurance and pension schemes. Over 11.5 crore accounts have been opened so far under the scheme, achieving 99.74% household coverage.
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Pradhan Mantri Jan-Dhan Yojana (PMJDY) was launched in 2014 as a national mission to promote financial inclusion across India. The scheme aimed to provide universal access to banking facilities, basic bank accounts with overdraft and debit cards, financial literacy programs, credit guarantees, and pension schemes. Within 20 months, over 220 million bank accounts were opened under PMJDY, depositing over Rs. 37,000 crore and providing banking access to over 15% of the previously unbanked population. However, the scheme also faced some criticism around issues like multiple accounts, money laundering, lack of proper identity proofs among poor citizens, and the impact of demonetization.
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Prime Minister Narendra Modi launched the Pradhan Mantri Jan Dhan Yojana program in August 2014 to ensure financial inclusion and provide at least one bank account for every household in India by January 26, 2015. The program was announced by Modi during his Independence Day speech and aims to provide a RuPay debit card, overdraft facility of Rs. 5,000 after six months, and personal accident insurance of Rs. 1 lakh to account holders. On the first day of the launch, banks opened 1.5 crore new accounts with help from over 70,000 camps across the country to meet the goal of including over 75 million currently unbanked families by the deadline.
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The PM Jan Dhan Yojana is a financial inclusion plan launched in 2014 by Prime Minister Narendra Modi to provide universal access to banking facilities. The objectives are to provide basic bank accounts with a RuPay debit card that includes accident insurance of Rs. 1 lakh and an overdraft facility of Rs. 5,000 after six months. On launch day, a record 1.5 crore accounts were opened. By November 2014, over 7 crore accounts were opened with deposits over Rs. 50 billion. The scheme aims to provide the poor with safe and secure financial services and direct benefit transfers from government schemes.
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The document discusses India's Pradhan Mantri Jan Dhan Yojana (PMJDY) program which aims to increase financial inclusion. It was launched in 2014 to provide bank accounts, debit cards, accident insurance and other financial services to disadvantaged groups. The goals are to eradicate financial exclusion, provide financial stability, and increase the country's economic participation. The five pillars of PMJDY are universal access to banking, financial literacy programs, microcredit availability, microinsurance schemes, and financial counseling.
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Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a national mission launched in 2014 to ensure universal access to banking facilities. The scheme provides basic bank accounts with overdraft facilities, debit cards, accident and life insurance, and access to pension and savings plans. Over 17.74 crore accounts have been opened under PMJDY as of August 2015, with over 11 crore people enrolled in related insurance and pension plans. The percentage of zero-balance accounts under the scheme has declined from 76% to 24% since its launch.
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The document discusses the Pradhan Mantri Jan Dhan Yojana (PMJDY), a national financial inclusion mission launched in India in 2014. It aims to provide universal access to banking services like basic savings accounts, need-based credit, remittances and insurance. The key benefits of accounts under PMJDY include interest on deposits, accidental insurance of Rs. 1 lakh, no minimum balance requirement, life insurance of Rs. 30,000 and easy money transfers. Microfinance is also discussed as a tool to provide financial services like credit, savings and insurance to low-income households for self-employment and poverty alleviation. The evolution, key players and models of microfinance in India are outlined.
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This document appears to be a chapter from a student's research project on perceptions of people towards the Pradhan Mantri Jan Dhan Yojana (PMJDY) program in India. The chapter provides background on financial inclusion in India and defines key terms. It discusses the objectives and importance of PMJDY, launched in 2014 to provide universal access to banking services. Key elements of PMJDY include opening bank accounts for all that can be held at zero balance and linking them to Aadhaar cards and Rupay debit cards. Over 16 crore accounts were opened under the scheme by June 2015, with over Rs. 18,000 crore deposited.
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Union Bank of India has played a proactive role in India's economic growth by providing credit to different sectors. It has over 4,200 branches across India. The Pradhan Mantri Jan Dhan Yojana (PMJDY) financial inclusion scheme aims to provide bank accounts to all households, and over 17.45 crore accounts were opened by August 2015, with Rs. 22,032.68 crore deposited. PMJDY has positively impacted banks like Union Bank by expanding customer base and increasing deposits.
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Pradhan Mantri Jan-Dhan Yojana is a national program launched in India in 2014 to provide universal access to banking facilities. The scheme aims to provide all Indian households with a bank account, debit card, accident insurance and other financial services. On the launch date over 15 million bank accounts were opened. Account holders receive a zero-balance bank account, RuPay debit card, Rs. 1 lakh accident insurance and life insurance of Rs. 30,000 for accounts opened by January 26, 2015. After six months, account holders can avail an overdraft of Rs. 5,000 from the bank.
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Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a national program for financial inclusion that aims to ensure access to financial services including banking, savings and deposit accounts, remittances, credit, insurance, and pensions. Accounts can be opened with zero balance at any bank branch or through Bank Mitras (business correspondents). Special benefits of PMJDY include interest on deposits, accidental death and disability insurance of Rs. 1 lakh, no minimum balance requirement, and life insurance of Rs. 30,000. After 6 months of satisfactory account usage, an overdraft facility of up to Rs. 5000 is available per household.
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Pradhan Mantri Jan Dhan Yojana (PMJDY)
The document summarizes the Pradhan Mantri Jan-Dhan Yojana (PMJDY), the Indian government's financial inclusion program. Launched in 2014, PMJDY provides banking access and services to millions of households across India. Key features include opening no-frills bank accounts with no minimum balance requirements, overdraft facilities, debit cards, relaxed KYC norms, use of technology for account opening and transactions, direct benefit transfers from the government, and accidental life insurance. The scheme has achieved success with over 33.66 crore users and a total balance of Rs. 86,320.79 crores as of December 2018. However, it also faces drawbacks like increased accounts but not transactions and
Pradhan mantri jan dhan yojana
Pradhan Mantri Jan Dhan Yojana (PMJDY) is a scheme launched in 2014 by Prime Minister Narendra Modi to provide universal access to banking facilities. The scheme aims to provide bank accounts to over 75 million unbanked households across India. Key features of PMJDY include zero balance bank accounts, debit cards, accident and life insurance coverage, and an overdraft limit. By January 2015, over 12.58 crore accounts were opened under the scheme, with Rs. 10590 crore deposited. On its inauguration day itself, 1.5 crore accounts were opened, setting a Guinness World Record.
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The PMJDY scheme aims to bring financially excluded people into the banking system through opening zero-balance bank accounts. Launched in 2014 by Prime Minister Modi, the key goals are increasing financial inclusion, reducing corruption, and supporting the Indian economy. The scheme provides benefits like zero fees, accident and life insurance, direct benefit transfers, and overdraft facilities. Account opening requires minimal documentation like Aadhar, voter ID, or passport. Implementation is in phases, with the first phase focusing on universal access and basic accounts and the second on micro-insurance and pension schemes. Over 11.5 crore accounts have been opened so far under the scheme, achieving 99.74% household coverage.
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Pradhan Mantri Jan-Dhan Yojana (PMJDY) was launched in 2014 as a national mission to promote financial inclusion across India. The scheme aimed to provide universal access to banking facilities, basic bank accounts with overdraft and debit cards, financial literacy programs, credit guarantees, and pension schemes. Within 20 months, over 220 million bank accounts were opened under PMJDY, depositing over Rs. 37,000 crore and providing banking access to over 15% of the previously unbanked population. However, the scheme also faced some criticism around issues like multiple accounts, money laundering, lack of proper identity proofs among poor citizens, and the impact of demonetization.
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Prime Minister Narendra Modi launched the Pradhan Mantri Jan Dhan Yojana program in August 2014 to ensure financial inclusion and provide at least one bank account for every household in India by January 26, 2015. The program was announced by Modi during his Independence Day speech and aims to provide a RuPay debit card, overdraft facility of Rs. 5,000 after six months, and personal accident insurance of Rs. 1 lakh to account holders. On the first day of the launch, banks opened 1.5 crore new accounts with help from over 70,000 camps across the country to meet the goal of including over 75 million currently unbanked families by the deadline.
Presentation
The PM Jan Dhan Yojana is a financial inclusion plan launched in 2014 by Prime Minister Narendra Modi to provide universal access to banking facilities. The objectives are to provide basic bank accounts with a RuPay debit card that includes accident insurance of Rs. 1 lakh and an overdraft facility of Rs. 5,000 after six months. On launch day, a record 1.5 crore accounts were opened. By November 2014, over 7 crore accounts were opened with deposits over Rs. 50 billion. The scheme aims to provide the poor with safe and secure financial services and direct benefit transfers from government schemes.
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The document discusses India's Pradhan Mantri Jan Dhan Yojana (PMJDY) program which aims to increase financial inclusion. It was launched in 2014 to provide bank accounts, debit cards, accident insurance and other financial services to disadvantaged groups. The goals are to eradicate financial exclusion, provide financial stability, and increase the country's economic participation. The five pillars of PMJDY are universal access to banking, financial literacy programs, microcredit availability, microinsurance schemes, and financial counseling.
Schemes launched by government in 2014 15
This document outlines various social and economic programs launched by the Modi government since taking office in 2014. It discusses initiatives like Digital India, Jan Dhan Yojana, Swachh Bharat Abhiyan, Make in India, Smart Cities Mission, Skill India, pension schemes, rural electrification and housing programs that aim to boost development, welfare and good governance. The document emphasizes that successful implementation of these schemes is key to achieving the government's vision of progress.
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The document outlines the key features and benefits of the Pradhan Mantri Jan-Dhan Yojana (PMJDY) scheme. The main features include zero-balance savings accounts, interest paid on balances, RuPay debit cards, checkbooks and passbooks. Documentation is minimal, with Aadhar identification and temporary accounts available. Mobile and internet banking are supported. Additional benefits include accident insurance of Rs. 1 lakh for RuPay card holders, overdraft facilities after 6 months, and access to pension and insurance products. The scheme aims to increase bank account access and reduce dependency on money lenders.
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The document provides an overview and analysis of the Pradhan Mantri Jan-Dhan Yojana (PMJDY) scheme launched by the Indian government. It discusses the background and objectives of PMJDY, which aims to provide universal access to banking facilities and promote financial inclusion. The performance has exceeded expectations with over 12.5 crore accounts opened within the first 9 months. Going forward, stakeholders will need to address operational challenges to strengthen implementation and ensure accounts remain active. The success of PMJDY can help promote inclusive growth in India.
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Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a national mission launched in 2014 to ensure universal access to banking facilities. The scheme provides basic bank accounts with overdraft facilities, debit cards, accident and life insurance, and access to pension and savings plans. Over 17.74 crore accounts have been opened under PMJDY as of August 2015, with over 11 crore people enrolled in related insurance and pension plans. The percentage of zero-balance accounts under the scheme has declined from 76% to 24% since its launch.
Pradhan mantri jan dhan yojana
The document discusses the Pradhan Mantri Jan Dhan Yojana (PMJDY), a national financial inclusion mission launched in India in 2014. It aims to provide universal access to banking services like basic savings accounts, need-based credit, remittances and insurance. The key benefits of accounts under PMJDY include interest on deposits, accidental insurance of Rs. 1 lakh, no minimum balance requirement, life insurance of Rs. 30,000 and easy money transfers. Microfinance is also discussed as a tool to provide financial services like credit, savings and insurance to low-income households for self-employment and poverty alleviation. The evolution, key players and models of microfinance in India are outlined.
Pradhan mantri jan dhan yojana
This document appears to be a chapter from a student's research project on perceptions of people towards the Pradhan Mantri Jan Dhan Yojana (PMJDY) program in India. The chapter provides background on financial inclusion in India and defines key terms. It discusses the objectives and importance of PMJDY, launched in 2014 to provide universal access to banking services. Key elements of PMJDY include opening bank accounts for all that can be held at zero balance and linking them to Aadhaar cards and Rupay debit cards. Over 16 crore accounts were opened under the scheme by June 2015, with over Rs. 18,000 crore deposited.
JAN DHAN YOJNA COMPLETE PROJECT(SUMEET SARASWATA)
Union Bank of India has played a proactive role in India's economic growth by providing credit to different sectors. It has over 4,200 branches across India. The Pradhan Mantri Jan Dhan Yojana (PMJDY) financial inclusion scheme aims to provide bank accounts to all households, and over 17.45 crore accounts were opened by August 2015, with Rs. 22,032.68 crore deposited. PMJDY has positively impacted banks like Union Bank by expanding customer base and increasing deposits.
Pradhan Mantri Jan-Dhan Yojana (PMJDY)
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services
Presentation1
A critical study on the role of Pradhan Mantri Jan Dhan Yojana (PMJDY) explaining the highlights of the scheme, Benefits, progress and latest updates in Financial Inclusion.
Pm jan dhan yojna
Pradhan Mantri Jan-Dhan Yojana is a national program launched in India in 2014 to provide universal access to banking facilities. The scheme aims to provide all Indian households with a bank account, debit card, accident insurance and other financial services. On the launch date over 15 million bank accounts were opened. Account holders receive a zero-balance bank account, RuPay debit card, Rs. 1 lakh accident insurance and life insurance of Rs. 30,000 for accounts opened by January 26, 2015. After six months, account holders can avail an overdraft of Rs. 5,000 from the bank.
Pmjdy
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a national program for financial inclusion that aims to ensure access to financial services including banking, savings and deposit accounts, remittances, credit, insurance, and pensions. Accounts can be opened with zero balance at any bank branch or through Bank Mitras (business correspondents). Special benefits of PMJDY include interest on deposits, accidental death and disability insurance of Rs. 1 lakh, no minimum balance requirement, and life insurance of Rs. 30,000. After 6 months of satisfactory account usage, an overdraft facility of up to Rs. 5000 is available per household.
Indian Banking Moving towards a new landscape - PMJDY scheme - Part - 5
Hon'ble Prime Minister, Sh. Narendra Modi launched the Pradhan Mantri Jan-Dhan Yojana (PMJDY) scheme as a national mission for Financial Inclusion on 28th August, 2014.
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Rather than shy away from some of the more efficient non-core funding techniques, we believe it wise to make certain your Board and your Examiners understand what is being accomplished through the use of wholesale funding tactics and our third webinar on the ALCO Process is designed to describe an approach to this issue. We will provide guidance on:
1. Where to describe your strategy.
2. Limits to place on non-core funding.
3. Reporting the use of non-core funding.
4. Non-core funding products and services that are in use today.
5. Pros and Cons of these funding sources.
Summer Internship Report for Agri-Business(Priority Sector Lending) at Kotak ...
The target segment for any bank mostly consists of business houses and the area where exchange of goods and services takes place. After nationalization of banks and recent regulations put upon by RBI has limited the profitable opportunities of the banking companies by expanding the banks to rural and under developed areas. It necessitated the branches of bank located near big potential areas to improve their profitability so as to maintain the normal overall profit level in a respectable percentage with regard to competitors.
The Azadpur and Nayabazar mandis are the two potential markets located in New Delhi are the targeted markets from which KMBL intends to intensify its measures to earn more and more profits. As the market deals with traders who deal in retailing and exporting of agricultural products which are mostly perishable, there is a heavy demand for bankers providing fund based working capital financing facilities. So the number of products of working capital and their services has become a deciding a factor for the dealers in the market for choosing the banker.
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1) Consortium banking involves multiple banks and financial institutions jointly financing a single borrower, with common documentation and risk sharing.
2) The total loan is divided among the participating banks, with the bank providing the largest share acting as the lead bank coordinating with the borrower.
3) While consortiums allow for risk sharing, they also introduce new risks that must be defined and allocated between the parties through contracts.
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This document discusses priority sector advances (PSA) and non-performing assets (NPA) from banks in Srinagar Garhwal, India over the last three years. It aims to understand the growth and decline of PSA in Srinagar Garhwal as well as the difference between PSA and NPA. The document analyzes data from 3 banks - SBI, PNB and Union Bank - using methods like bar graphs and least squares. It finds that SBI has the highest PSA in both Srinagar and the larger Pauri district. It also notes a decreasing trend in NPA in Srinagar while PSA shows an upward trend. Recommendations include increasing awareness of loans through advertisements and
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The document discusses rural banking in India. It outlines the objectives of rural banking as poverty alleviation and financial intermediation. It describes the limited banking presence pre-independence, nationalization of banks post-independence, and the rural branch expansion program of the 1970s that increased rural access to banking. It also discusses the establishment of NABARD to provide rural credit and changes post-liberalization, along with ongoing challenges and opportunities in rural marketing.
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Microfinance refers to small-scale financial services like credit and deposits provided to low-income individuals who lack access to traditional banking services. It aims to help the poor become self-sufficient through saving, borrowing, and insurance. While banks are reluctant to serve these clients due to high costs and lack of collateral, microfinance fills this gap by providing small, affordable loans. Groups like self-help groups and microfinance institutions have successfully delivered microcredit in countries like India and Bangladesh, achieving repayment rates over 95% and helping many escape poverty. However, some criticize that microfinance benefits the moderately poor more than the destitute and can lead to over-indebtedness if not implemented responsibly.
Impact of priority sector lending on indian economy
The document discusses India's priority sector lending scheme. It was first introduced by the Reserve Bank of India in 1974 to ensure that a certain portion of commercial bank lending goes to important sectors like agriculture, small businesses, and other priority sectors. Currently, 40% of bank lending must go to the priority sector, including 18% to agriculture. The priority sector lending program aims to promote development and reduce poverty through increased employment and incomes in these key sectors of the economy. It has generally had a positive impact, though banks still face some challenges in lending to weaker sections like higher non-performing assets. The future prospects for priority sector lending in India remain strong.
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The document provides an overview of the Pakistan Super League (PSL), which is the highest level of professional Twenty20 cricket in Pakistan. It discusses the league structure and teams, including the five inaugural teams nominally based in major Pakistani cities. It also outlines the bidding process for franchises, player auction system, sources of revenue including sponsors, broadcasters and government taxes. Benefits of the league are highlighted for sponsors, the Pakistan Cricket Board and future development of cricket in Pakistan. The PSL is seen as an important turning point for Pakistani cricket.
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This document provides an overview of rural banking in India. It discusses the various products offered by rural banks, including agriculture credits, financial inclusion programs, and loans for MSMEs and deposits. It then covers the sources of rural finance such as nationalized banks, cooperative banks, and NABARD. NABARD plays an important role in facilitating credit flow for rural development through refinance functions, direct financing, developmental activities, and supervising rural financial institutions.
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Priority Sector Lending (PSL) is a critical piece of compliance required in the Indian Banking and Finance industry. This presentation (along with the part 1, posted earlier gives a quick overview of the priority sector lending concepts. The regulation for PSL is quite clear and increasingly Banks are mandated by the regulator - RBI to ensure compliance to PSL.
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Financial inclusion, Atal Pension Yojana, PMJDY, PMJJY, PMSBY
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- 3. INTRODUCTION • On 15 th 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” • Indian’s prime minister Narendra Modi announced of his scheme at the Red Fort on the occasion of India’s Independence day. • Launched on 28 august in 77000 of arias.
- 5. AIM OF PMJDY • To bring poor financially excluded people into banking system • It covers both urban and rural areas. • Raise of Indian Economy • To decrease corruption in Government subsidy schemes • Digital India
- 6. Nationalized Banks 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 ING Vysha Bank YES Bank Kotak Mahendra Bank Karnataka Bank
- 7. Benefits of opening bank account under PMJDY • Account can be opened with zero balance • Not required to maintain any minimum balance • ATM card can be issued • Accident insurance upto Rupees one lakh • Medical insurance cover of Rupees three lakhs • Rupees five thousand of overdraft facility available only after six months if your account is found
- 8. DEMERITS OF PMJDY • Accident insurance cover meeting to resolve confusion • Funding the banking correspondent model finance is unclear • Cost of overdraft facility.No clarity on who shall bear the cost • Existing savings account without Rupay card not to get other benefits • Creating new accounts not a challenge but increasing transactions per account is a big challenge