Pradhan Mantri Jan Dhan Yojana | Pradhan Mantri Jan Dhan Yojana Form

Pradhan Mantri Dhan Yojana January | Pradhan Mantri Dhan Yojana form January:This financial inclusion campaign was launched by India’s Prime Minister Narendra Modi on August 28, 2014. He had announced this program in his first Independence Day speech on August 15, 2014.

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Run Department of Financial Services, Ministry of Finance, on the inauguration, 1.5 crore (15 million) bank accounts have been opened under this scheme.

Pradhan Mantri Jan Dhan Yojana | Pradhan Mantri Jan Dhan Yojana Form:

Guinness World Records recognizes accomplishments in the PMJDY framework, Guinness World Records certificate says: “Most of the bank accounts that were opened as part of the financial integration campaign in a week, was 18096130 and was by banks in India from 23 to 29 August 2014 reached. “Until 1 February 2017 27 crises (270 million) bank accounts have been opened and nearly 665,000,000,000 ($ 10 billion) have been deposited under the scheme.

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Before the official launch of this program, the Prime Minister personally sent the presidents of all the PSU banks to open the gigantic task of registering more than 7.5 crore (75 million) and households in their accounts. In this email he categorically stated that a bank account for each household was a “national priority”.

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The system was launched with the aim of starting “universal and clear access to banks”, starting with “Basic bank accounts” with a bank overdraft facility of 5,000 (US $ 78) [6] after Six months and Rupay debit card with an integrated 1 lakh accident insurance coverage (US $ 1,600) and Rupay Kisan Card. In the next phase, pension and microinsurance, etc., are added.

Under the plan:

 

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Account holders will be invited to bank accounts with no minimum balance available.
Rupay debit cards are processed.
Accident insurance of 1 lakh (US $ 1,600).
After six months, the opening of claim bank account holders are on? 5,000 (US $ 78) Discovery of the bank.

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With the introduction of new technologies that are introduced by the National Payments Corporation of India (NPCI), can transfer, check the balance on a normal phone, which was previously limited to person smart phones.
Mobile Banking for the Poor would be through the USSD (Unified National Nuup) platform for which all banks and mobile companies meet

 

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Through preparations during commissioning, as mentioned above on the opening day, 1.5 billion (15 million) of bank accounts were opened. The Prime Minister said on this occasion: “Let us today as a day of financial freedom. “In September 2014, 3.02 crore accounts were opened under the regime among the public banks, SBI has opened 30 Lakh accounts (3 million), followed by Punjab National Bank with 20.24 Lakh (2,000,000) accounts, Canara Bank 16 , 21 lakh (1.62 million), Central Bank of India 15.98 lakh (1.59 million) and the Bank of Baroda with 14.22 lakh (1.42 million) accounts.

Pradhan Mantri Jan Dhan Yojana | Pradhan Mantri Jan Dhan Yojana Form:

It was reported that the total bank accounts 7 crore (70 million) was opened with deposits more than 50 billion ($ 780 million) to 6 November totaling 2014. While the government has reached the goal of the finance ministers of the Union, Arun Jaitley has the purpose of opening bank accounts under the Pradhan Mantri Dhan Yojana January (PMJDY), the ambitious financial rehabilitation plan launched by the government from 7.5 crore to 10 crore until January 26, 2015 on January 20, 2015 The plan was entered into the Guinness Book of Records in a week setting a new record for, most bank accounts.

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The number of accounts open under the scheme reached 255 million (including 57 million zero balance accounts) in November 2016. The amount of deposits to 380.470 million (US amounted to $ 5.9 billion) in April 2016. [14] 19 lakh heads Of households used the overdraft credit of 2.56 billion euros (40 million dollars) from May 2016.C’est by 2016.11.26 total balance of account accounts is Rs.64250 / –

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Uttar Pradesh and West Bengal have accounted for 29% of deposits, while Kerala and Goa became the first state of the country account to provide a base bank to each household.

The balance of Jan Dhan accounts rose by more than 270 billion ($ 4.2 billion) between November 9, 2016 and November 23, 2016.

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On 15 March 2017, 23.80% of accounts have a zero balance (23.96% in public banks, 20.72% in regional banks in rural areas and 35.56% in private banks).

 

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The project was criticized by the opposition as an attempt to appeal to the voters, which created an unnecessary burden of working on public benches. It was argued that the poor earn more food than bank accounts and financial security. In addition, these accounts have not added significant benefits to the banks PSU. According to experts, the deals such as zero adjustment, free insurance and overdraft loans would result in duplication.

Pradhan Mantri Dhan Yojana January | Pradhan Mantri Dhan Yojana January Form:

Many people who have already bank accounts can create accounts for myself, which draws from insurance coverage and overdraft facilities. According to the plan, very few people are eligible for life insurance? In only five years 30,000 (US $ 470) with a validity. The relocation system was completely abandoned on the benches. According to the announcement of the government, only these people with a balance sheet transaction would receive the overdraft credit is satisfactory and financial.

Pradhan Mantri Dhan Yojana January | Pradhan Mantri Dhan Yojana January Form:

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is the national mission to ensure financial integration access to financial services, namely bank accounts / savings and investment, payments, credit, insurance, affordable pension.
The account can be opened in a bank branch or a bank account (Bank Mitr). Accounts opened under PMJDY open with a zero balance. However, if the account holder wants a notebook, he must meet the minimum credit requirements.

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Document required to open an account in Pradhan Mantri Jan-Dhan Yojana
An account can be opened by presenting a valid official document.

passport,
Driving license,
The card counts permanent number (PAN),
The identity card of the elector of the Electoral Commission of India,
NREGA employment card duly signed by a government official,
Writes the unique identifier of India with details of name, address and Aadhaar number or
Another document that was notified by the central government in consultation with the regulatory authority:
Where they exist, simplified measures to verify the identity of the client, the following documents are considered as officially valid documents: –
ID card with passport photo issued by central / state government ministries, legislative / regulatory authorities, utility companies, planned commercial banks and public financial institutions;
Letter issued by a duly certified photograph of the person of an official agent.

Pradhan Mantri Jan Dhan Yojana | Pradhan Mantri Jan Dhan Yojana Form:

Reserve Bank of India (RBI), its press release of 26/08/2014, further clarified that people who are not “officially valid documents can open” small accounts “with banks. A “small account” can be opened on the basis of an auto-photos and attested expose his signature or thumb in the presence of the bank officials. These accounts have limits in terms of total loans (no more rupees a lakh in one year), global withdrawals (more rupees ten thousand a month) and balance in the accounts (no more than rupees fifty thousand At any time)).

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These accounts would normally be valid for a period of twelve months. After such accounts may remain for a period of twelve months, if the account holder submits a document stating that he has requested a valid official document within 12 months from the opening of the small account.

Specific Benefits under the PMJDY Plan
Interest on deposit.
Rs. 1 Lake Accident Insurance
No minimum balance required.
The plan provides a life insurance of Rs 30,000 / – to be paid on the beneficiary’s death, subject to compliance with the conditions ..
Easily transfer money through India
Beneficiaries of government systems receive a direct benefit transfer into these accounts.
During the satisfactory operation of the account for 6 months, a cash facility is authorized
Access to pension, insurance products.

Pradhan Mantri Jan Dhan Yojana | Pradhan Mantri Jan Dhan Yojana Form:

The right to personal security payments under PMJDY insurance is payable if the Rupay Cardholder has made at least one successful financial or non-financial customer inventory at a bank branch, Mitra Bank, ATM, POS, E -COM, etc. Canal both intra and inter-bank that is in us (holders of a bank card client / Rupay who handles the same banking channels) and out of us (bank-client / Rupay cardholders, Which was with other banking channels) in 90 days prior to the date of the accident, including the date of the accident include the eligible operations under the Rupay 2016-2017 insurance program.
Installation up to Rs.5000 Discovered / – is only one account per household, preferably Household Lady available.

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