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Pradhan Mantri Jandhan Yojana : Unstarred Question in Loksabha

Pradhan Mantri Jan Dhan Yojana ( PMJDY)
The Finance Minister Hon'ble Smt. Nirmala Sitaraman answered various questions related to Pradhan Mantri Jan Dhan Yojana (PMJDY) raised by Hon'ble Jagdambika Pal & Hon'ble Sukanta Majumdar.

Raised questions: 
(a) the salient features of Pradhan Mantri Jan Dhan Yojana (PMJDY) along with the criteria fixed for the beneficiaries under the scheme and the total number of beneficiaries under the scheme so far, State/UT-wise including Siddharth Nagar
District;
(b) whether PMJDY has failed and if so, the details thereof and the reaction of the Government thereto;
(c) whether 335 million accounts have been opened in the banks under the scheme so far in which an average amount of Rs. 2548/- has been deposited till now and if so, the details thereof;
(d) whether almost 40 per cent of the said accounts were inoperative till December, 2018; and
(e) if so, the details thereof and the reasons for constant decline in the operational accounts along with the remedial steps taken by the Government so far in this regard?

To know the answer of above questions reg. Pradhan Mantri Jandhan Yojana please see below the full text of Loksabha Unstarred Question No. 243.

GOVERNMENT OF INDIA
MINISTRY OF FINANCE
LOK SABHA
UNSTARRED QUESTION NO: 243
ANSWERED ON: 24.06.2019
Pradhan Mantri Jandhan Yojana
Jagdambika Pal
Sukanta Majumdar

Will the Minister of FINANCE be pleased to state:-

(a) the salient features of Pradhan Mantri Jan Dhan Yojana (PMJDY) along with the criteria fixed for the beneficiaries under the scheme and the total number of beneficiaries under the scheme so far, State/UT-wise including Siddharth Nagar
District;

(b) whether PMJDY has failed and if so, the details thereof and the reaction of the Government thereto;

(c) whether 335 million accounts have been opened in the banks under the scheme so far in which an average amount of Rs. 2548/- has been deposited till now and if so, the details thereof;


(d) whether almost 40 per cent of the said accounts were inoperative till December, 2018; and

(e) if so, the details thereof and the reasons for constant decline in the operational accounts along with the remedial steps taken by the Government so far in this regard?

ANSWER

The Finance Minister 

(a) The salient features of Pradhan Mantri Jan Dhan Yojana (PMJDY), launched initially for a period of 4 years (in two phases) on 28th August 2014, inter alia include the following: 
(i) Universal access to banking facilities for all households with atleast one Basic Bank Account along with RuPay Debit card, having an in-built accident insurance cover of Rs.1 lakh. 
(ii) An overdraft facility upto Rs.5000/- after satisfactory operation in the account for 6 months.
(iii) A life cover of Rs.30,000/- to those beneficiaries who opened their accounts for the first time from 15.08.2014 to 31.01.2015.
(iv) Micro-insurance to the people.

With a view to further consolidate the gains made through financial inclusion initiatives of the Government during the first two phases, PMJDY has been extended beyond 28.8.2018 with the focus for opening of accounts shifting from “every household” to “every unbanked adult”, with following modifications:
(i) Accidental insurance cover for new RuPay card issued in respect of PMJDY accounts opened after 28.8.2018 raised from existing Rs.1 lakh to Rs. 2 lakh.
(ii) Existing Overdraft (OD) limit revised from Rs. 5,000 to Rs. 10,000, with no conditions attached for OD upto Rs. 2,000.
(iii) Age limit for availing OD facility revised from 18-60 years to 18-65 years.

In Siddharth Nagar District, as on 12.6.2019, there are 16.87 lakh Current Accounts and Savings Accounts (CASA), which includes 5.9 lakh PMJDY accounts 

State/UT-wise details of the PMJDY accounts is Annexed.

(b) to (c) No, Sir. The Financial Inclusion (FI) initiatives implemented through PMJDY since August, 2014 has provided an enabling environment for people to avail banking & financial services in the country. As a result of the consistent efforts made over time, as on 12.6.2019, 35.81 crore Jan-Dhan accounts have been opened under PMJDY, with an average deposit balance of approx. Rs. 2762/- per account.

(d) to (e) No Sir; Approx. 28.17 crore PMJDY accounts (83.7% of total PMJDY accounts) were operative as on 26.12.2018. The share of operative accounts has also increased significantly since March, 2017. 



*******

Annexure as referred to in part (a) of reply to the Lok Sabha question No. 243 for 24.6.2019 regarding "Pradhan Mantri Jandhan Yojana''''
PMJDY progress as on 12.06.2019
S.No State/UT Total accounts
1 ANDAMAN & NICOBAR ISLANDS 50,162 
2 ANDHRA PRADESH 98,35,330 
3 ARUNACHAL PRADESH 2,94,240 
4 ASSAM 1,51,75,379 
5 BIHAR 4,05,90,354 
6 CHANDIGARH 2,48,656 
7 CHHATTISGARH 1,41,23,821 
8 DADRA & NAGAR HAVELI 1,17,325 
9 DAMAN & DIU 52,480 
10 DELHI 44,19,636 
11 GOA 1,60,168 
12 GUJARAT 1,40,04,719 
13 HARYANA 71,85,171 
14 HIMACHAL PRADESH 12,01,540 
15 JAMMU & KASHMIR 21,25,485 
16 JHARKHAND 1,25,23,587 
17 KARNATAKA 1,45,07,275 
18 KERALA 39,17,977 
19 LAKSHADWEEP 5,232 
20 MADHYA PRADESH 3,09,97,988 
21 MAHARASHTRA 2,50,99,908 
22 MANIPUR 9,08,214 
23 MEGHALAYA 4,83,646 
24 MIZORAM 3,01,070 
25 NAGALAND 2,71,928 
26 ODISHA 1,44,21,784 
27 PUDUCHERRY 1,50,655 
28 PUNJAB 67,48,815 
29 RAJASTHAN 2,53,11,423 
30 SIKKIM 92,957 
31 TAMIL NADU 1,00,95,470 
32 TELANGANA 95,92,367 
33 TRIPURA 8,78,579 
34 UTTAR PRADESH 5,58,72,191 
35 UTTARAKHAND 24,66,874 
36 WEST BENGAL 3,44,59,865 
Total 35,86,92,271

Source: Loksabha

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