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माननीय प्रधानमंत्री ने राष्ट्र की स्वतंत्रता के 75 वर्ष पूर्ण हो जाने पर वर्ष 2022 तक सभी के लिए आवास की परिकल्पना की है। इस उद्येश्य की प्राप्ति के लिए केन्द्र सरकार ने एंक व्यापक मिशन "2022 तक सबके लिए आवास" शुरू किया है। 25 जून 2015 को प्रधानमंत्री श्री नरेन्द्र मोदी ने इस बहुप्रतीक्षित योजना को प्रधानमंत्री आवास योजना के नाम से प्रारम्भ किया है।
Hon’ble Prime Minister envisioned housing for All by 2022 when the Nation completes 75 years of its Independence. In order to achieve this objective, Central Government has launched a comprehensive mission “Housing for All by 2022”. This much awaited scheme has been launched by the Prime Minister of India, Sh. Narendra Modi on 25th June, 2015 as Pradhan Mantri Awas Yojana.

2018-09-06

Cabinet approves continuation of Pradhan Mantri JanDhan Yojana

Cabinet approves continuation of Pradhan Mantri JanDhan Yojana

Boost to pro-people and pro-poor initiatives 

National Mission for Financial Inclusion (PMJDY) beyond 14.8.2018 Focus on  opening accounts from “Every Household to Every Adult” Existing Over Draft limit of Rs 5,000 raised to Rs 10,000. No conditions for Overdraft upto Rs 2,000 Age limit for availing Over Draft facility revised from 18-60 years to 18-65 years Expanded accidental insurance cover for new RuPay card holders raised from Rs 1 lakh to Rs 2 lakh for new PMJDY accounts opened after 28.8.18

In a major boost to pro-people and pro-poor initiatives, the Union Cabinet chaired by Prime Minister Shri Narendra Modi in its meeting held on 5.9.2018 has approved the continuation of National Mission for Financial Inclusion – Pradhan Mantri JanDhan Yojana (PMJDY) with the following changes:-

• The National Mission for Financial Inclusion (PMJDY) to continue beyond 14.8.2018

• Existing Over Draft (OD) limit of Rs 5,000 to be raised to Rs 10,000.

• There will not be any conditions attached for OD upto Rs 2,000.

• Age limit for availing OD facility to be revised from 18-60 years to 18-65 years.

• Under the expanded coverage from “every household to every adult”, accidental insurance cover for new RuPay card holders to be raised from Rs 1 lakh to Rs 2 lakh to new PMJDY accounts opened after 28.8.18.

Impact:

The continuation of the Mission would enable all adults/households of the country to have atleast a basic bank account with access to other financial services, social security schemes and overdraft upto Rs. 10,000.  It will, thus, bring them into the mainstream of financial services and will facilitate transfer of benefits of various subsidy schemes of the Government more efficiently.

Achievements under PMJDY:

• Approx. 32.41 crore Jan Dhan accounts have been opened with more than Rs 81,200 crore of deposit balance.

• 53% women Jan Dhan account holders and 59% Jan Dhan accounts are in rural and semi urban areas. More than 83% operative Jan Dhan accounts (except states of Assam,Meghalaya, J&K) are Aadhaar seeded, with issuance of approx 24.4 crore RuPay cards to these account holders.

• More than 7.5 crore JanDhan accounts receiving DBTs.

• Banking Correspondents (BCs) have been deployed in 1.26 lakh Sub Service Areas (rural areas), each catering to 1000-1500 households.  Nearly 13.16 crore Aadhaar Enabled Payment System (AePS) transactions have taken place through BCs during the month of July, 2018.

• 13.98 crore subscribers under Pradhan Mantri Suraksha Bima Yojana (PMSBY) with 19,436 claims, involving an amount of Rs, 388.72 crore settled so far.

• Similarly, 5.47 crore subscribers under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) with 1.10 lakh claims, involving an amount of Rs. 2206.28 crore settled so far.

• 1.11 crore persons have subscribed for Atal Pension Yojana (APY).

A pipeline has been created for the implementation of PMJDY through which JanDhan accounts and mobile banking have been linked to Aadhaar (JAM). This pipeline is not only facilitating savings, disbursal of credit, social security, etc. but more importantly channelizing direct benefits of various government schemes to poor people of the country through DBT.

It has been decided to continue the flagship financial inclusion program (PMJDY), with focus on opening accounts from “every household to every adult”. The pipeline of JanDhan-Aadhaar-Mobile (JAM) will continue to provide the necessary backbone for coverage of these activities and thereby accelerating the pace of digitized, financially included & insured society.

Background:

With a view to increase banking penetration, promote financial inclusion and to provide at least one bank account per household across the country, a National Mission on Financial Inclusion known as Pradhan Mantri JanDhan Yojana (PMJDY) was announced by the Prime Minister Shri Narendra Modi in his Independence Day Speech on 15thAugust, 2014.  The scheme was formally launched on 28th August, 2014 at National level by the Prime Minister.

Source: PMINDIA

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