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

1. Pradhan mantri
Jan Dhan Yojana
Speakers
Akshit Mittal
Nihal Singh

2. launched by
PM
Narendra
modi on 15
august 2014.
2

3. “
Mera Khata, Bhagya
Vidhata

4. Financial inclusion programme of Govt. Of India which is applicable
to 18 to 65 age group providing banking access to millions of
households across the country.
Affordable access to financial services such as bank accounts,
remittances, credit, insurance and pensions.
First Look

5. 12,000,000,000 $
That’s a lot of money
100%
Total success!?
33,66,00,000 users
And a lot of users

6. features of PMJDY

7. ✘ Opening of no-frills accounts :
no minimum balance
overdraft facility upto 10000 after six months
Free RuPay debit card
✘ Relaxation on know-your-customer (KYC) norms : Person not having
valid identification document can also open bank account. This
type of account is called "Small Account" , which can be regularised
within one year

8. Bussiness
correspondents
Account opening and bank
transactions are through business
correspondents. Usually business
correspondents are appointed in
remote rural area where bank
branches are not present.

9. ✘ Use of technology : Bio-metric based account opening and
transaction are available through business correspondent. This
helps illiterate people also do banking.
✘ Direct Benefit Transfer : The government subsidies are directly
transferred to the beneficiary. This reduces delay and leakage to
get service.
✘ Insurance : Accidental insurance cover of ₹.2.00 lac. provide life
cover of ₹. 30,000/- payable on death of the beneficiary.

10. Advantages of PMJDY

11. By linking this scheme with various other government schemes money will
be directly credited into the accounts of the beneficiaries thereby
eliminating the intermediaries and curbing the leakages.
Providing access to micro credit in the later phases of the scheme. Thereby
completely weeding out money lenders who charge exorbitant interest
rates for micro credit.

12. When everyone in the country will open bank account they will
indirectly get connected to the economic value of the country. As
result country will have better Financial Stability.
Once 100% financial inclusion is achieved we can go for transaction
based tax on which must be made only through debit card for any
purchase. This is a measure pointed out by many economists to
curtail black money.

13. Big concept

14. Drawbacks of PMJDY

15. Due to removal of minimum balance there is a heavy burden on the banks.
The banks needs minimum balance to pay the overhead costs,
maintenance costs, running a branch etc.
Increased accounts but not transactions.
False overdraft facility.
Considering the logistics.
At the same time, Reserve Bank of India, permitted banks to charge
customers for conducting ATM transactions beyond a certain number of
times per month

16. Performance
✘ 1.5 Crore (15 million) bank accounts were opened on inauguration day.
✘ The Guinness Book of World Records recognised this achievement, stating:
"The most bank accounts opened in one week as a part of the financial
inclusion campaign is 18,096,130 and was achieved by the Government of
India from August 23 to 29, 2014".

17. Performance
✘ The balance in Jan Dhan accounts rose by more than ₹270
billion (US$3.8 billion) between 9 November 2016 and 23 November
2016.
✘ Uttar Pradesh and West Bengal have got 29% of the total deposits
under the scheme, whereas Kerala and Goa became the first states
in the country to provide one basic bank account to every
household.

18. Pmjdy Statistics as of 26/12/18
BANK TYPE
NUMBER OF ACCOUNTS BALANCE IN
ACCOUNTS
NUMBER OF
RuPay CARDSRURAL URBAN TOTAL FEMALE
PUBLIC SECTOR
BANKS
14.62 12.43 27.05 14.23 Rs 69083.71 22.10
REGIONAL RURAL
BANKS
4.67 0.88 5.55 3.06 Rs 14838.24 3.79
PRIVATE BANKS 0.62 0.43 1.05 0.55 Rs 2398.85 0.98
TOTAL 19.92 13.74 33.66 17.84
Rs 86320.79
(12 BILLION US
DOLLARS)
26.87

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deep sea. It is located between
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light, yellow is found between green
and orange.
Blue
Is the colour of the clear sky and the
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violet and green on the optical
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Red
Is the color of blood, and because of
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