Lok Sabha Question No. 4725 (UNSTARRED), answered on 2018-03-23
Subject: Jan Dhan Yojana
Ministry: FINANCE
Asked by: George Baker, ANIL SHIROLE, PARBHUBHAI NAGARBHAI VASAVA, ARJUNLAL MEENA, MANSUKHBHAI DHANJIBHAI VASAVA, BOORA NARSAIAH GOUD, RAJAN BABURAO  VICHARE

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UN-STARRED QUESTION No. 4725

TO BE ANSWERED ON 23 MARCH 2018 (FRIDAY) /CHAITRA 2. 1940 (SAKA)

Jan Dhan Yojana

4725. SHRI GEORGE BAKER: SHRI ANIL SHIROLE: SHRI PARBHUBHAI NAGARBHAI VASAVA: SHRI ARJUN LAL MEENA: SHRI MANSUKHBHA DHANJIBHA VASAVA: DR. BOORA NARSAIAH GOUD: SHRI RAJAN VICHARE:

Will the Minister of FINANCE be pleased to state:

- (a) the salient features of the Pradhan Mantri Jan Dhan  Yojana (PMJDY) with its present status; along
- (b) the number of accounts targeted and opened and the number of accounts linked with Aadhaar $o far under this yojana across the country since inception. State/ UT-wise ineluding West Bengal, Maharashtra and Gujarat;
- (c) whether the cases of opening of multiple accounts of any single person have come t0 the notice Of the Government under this yojana after linking the bank account with Aadhaar; if so. the details thereof; State/UT-wise;
- (d) whether banks are likely to close about 8 lakh such multiple accounts opened under PMJDY, if so, the details thereof with other corrective steps taken/ taken by the Government in this regard; and along being
- (e) whether PMJDY accounts are used as Direct Benefit Transfer accounts and vice versa for transfer of' funds to the beneficiaries under various welfare schemes  if so, the details thereof? being

## Answer The Minister of State in the Ministry 0f Finance

## (SHRI SHIV PRATAP SHUKLA)

- (a The basic pillars of the Pradhan Mantri Jan Dhan Yojana (PMJDY) are universal access t0 banking services through branches or business correspondents within reasonable distance (ii) basie banking accounts with overdraft facility and RuPay debit card with inbuilt personal   accident  insurance (iii) financial  literacy  programme (iv)   creation of' credit guarantee fund to cover defaults in overdraft accounts (v) micro-insurance t0 all willing and eligible persons. for life   and  personal  accident risks and (vi) unorganised sector pension schemes t0 all and eligible persons to ensure guaranteed pension in old age. willing

The present stalus of the PMJDY Scheme is as follows

- (i) All rural and semi urban areas are constituted into 1.59 lakh Sub-Service Areas (SSAs). of 1.000 to 1.500 households; of which 0.33 lakh SSAs are covered by bank branches and 1.26 lakh SSAs by interoperable Bank Mitras:
- 31.34 crore Jan-Dhan accounts have been opened, 23.62 crore RuPay cards have been issued. overdraft  sanctioned to 70.15 lakh account-holders and accident insurance claims for 2,589 Jan-Dhan RuPay card-holders. paid
- (iii) As per Reserve Bank of India, 12.282 special camps and 17.464 target specific camps have been organised by the financial literacy centres (FLCs) and 58.489 camps by the rural bank branches. during the second quarter of 2017-18.
- (iv) Miero Units Development and Refinance Agency Limited (MUDRA) provides the eredit guarantee for micro-eredit including overdrafi:
- On 13.3.2018. there arC 13.46 Suraksha Bima Yojana (PMSBY) covering accident insurance and 5.32 crore enrolments for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) covering life insurance:
- (vi) 92.04 lakh enrolments are made under Atal Pension Yojana:
- (b) The initial estimated target of PMJDY was (0 cover 6 crore uncovered rural households and 1.5 crore uncovered urban households with at least one Jan-Dhan account. Subsequently. it iS targeted t0 cover all the   uncovered adult   population in  thecountry . As On 14.3.2018. a total of 31.34 crore Jan-Dhan accounts have been opened, including 18.45 crore in rural semi-urban areas and 12.89 crore in urban Jan-Dhan accounts have been seeded with Aadhaar . State Union Territory wise position of Aadhaar seeded Jan-Dhan accounts is at Annexure. being
- (c) and (d) As per RBL guidelines dated 10.8.2012, any holder of a Basie Savings Bank Deposit (BSBD) account; including Jan-Dhan account; is not allowed savings account in the same bank and, existing savings bank deposit account in the bank, if any. has t0 be closed within 30 of opening a BSBD account: Banks compliance with these RBL guidelines is based on information available in its own Core bank Solution (CBS) system: This is a continual process: days ing
- (e PMJDY  guidelines   envisage   channelling direct   benefit transfer (DBT)from the Government t0 the beneficiaries Jan-Dhan accounts. DBT may also be   remitted   into accounts other than Jan-Dhan accounts of beneficiaries:

| Annexure                                                                                 | Annexure                                                                                 | Annexure                                                                                 | Annexure                                                                                 |
|------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------|
| Lok Sabha Un-starred Question no. 4725 for 23.3.2018                                     | Lok Sabha Un-starred Question no. 4725 for 23.3.2018                                     | Lok Sabha Un-starred Question no. 4725 for 23.3.2018                                     | Lok Sabha Un-starred Question no. 4725 for 23.3.2018                                     |
| State Union Territory wise position of Aadhaar seeded Jan Dhan accounts as on 14.03.2018 | State Union Territory wise position of Aadhaar seeded Jan Dhan accounts as on 14.03.2018 | State Union Territory wise position of Aadhaar seeded Jan Dhan accounts as on 14.03.2018 | State Union Territory wise position of Aadhaar seeded Jan Dhan accounts as on 14.03.2018 |
| S.No                                                                                     | State Name                                                                               | Total Accounts                                                                           | Aadhaar Card Seeded                                                                      |
| 1                                                                                        | Andaman & Nicobar Islands                                                                | 53791                                                                                    | 43785                                                                                    |
| 2                                                                                        | Andhra Pradesh                                                                           | 9030704                                                                                  | 8335741                                                                                  |
| 3                                                                                        | Arunachal pradesh                                                                        | 251809                                                                                   | 103564                                                                                   |
| 4                                                                                        | Assam                                                                                    | 12737299                                                                                 | 251860                                                                                   |
| 5                                                                                        | Bihar                                                                                    | 33732899                                                                                 | 23893425                                                                                 |
| 6                                                                                        | Chandigarh                                                                               | 246782                                                                                   | 203556                                                                                   |
| 7                                                                                        | Chhattisgarh                                                                             | 13027850                                                                                 | 10048193                                                                                 |
| 8                                                                                        | Dadra & Nagar haveli                                                                     | 92495                                                                                    | 76629                                                                                    |
| 9                                                                                        | Daman & Diu                                                                              | 41908                                                                                    | 36814                                                                                    |
| 10                                                                                       | Delhi                                                                                    | 4035392                                                                                  | 3411968                                                                                  |
| 11                                                                                       | Goa                                                                                      | 146617                                                                                   | 112510                                                                                   |
| 12                                                                                       | Gujarat                                                                                  | 11912407                                                                                 | 9230112                                                                                  |
| 13                                                                                       | Haryana                                                                                  | 6483937                                                                                  | 5559500                                                                                  |
| 14                                                                                       | Himachal Pradesh                                                                         | 987964                                                                                   | 864262                                                                                   |
| 15                                                                                       | Jammu & Kashmir                                                                          | 1947778                                                                                  | 888513                                                                                   |
| 16                                                                                       | Jharkhand                                                                                | 11168808                                                                                 | 10024755                                                                                 |
| 17                                                                                       | Karnataka                                                                                | 11690121                                                                                 | 9221774                                                                                  |
| 18                                                                                       | Kerala                                                                                   | 3560904                                                                                  | 2806365                                                                                  |
| 19                                                                                       | Lakshadweep                                                                              | 5205                                                                                     | 4469                                                                                     |
| 20                                                                                       | Madhya Pradesh                                                                           | 27239425                                                                                 | 21284515                                                                                 |
| 21                                                                                       | Maharashtra                                                                              | 22105494                                                                                 | 18724235                                                                                 |
| 22                                                                                       | Manipur                                                                                  | 791278                                                                                   | 512642                                                                                   |
| 23                                                                                       | Meghalaya                                                                                | 416131                                                                                   | 14768                                                                                    |
| 24                                                                                       | Mizoram                                                                                  | 267223                                                                                   | 177764                                                                                   |
| 25                                                                                       | Nagaland                                                                                 | 218052                                                                                   | 127688                                                                                   |
| 26                                                                                       | Odisha                                                                                   | 12387562                                                                                 | 8885741                                                                                  |
| 27                                                                                       | Puducherry                                                                               | 145080                                                                                   | 114364                                                                                   |
| 28                                                                                       | Punjab                                                                                   | 6076120                                                                                  | 5139762                                                                                  |
| 29                                                                                       | Rajasthan                                                                                | 24265986                                                                                 | 18455838                                                                                 |
| 30                                                                                       | Sikkim                                                                                   | 89066                                                                                    | 75480                                                                                    |
| 31                                                                                       | Tamil Nadu                                                                               | 8927150                                                                                  | 6525757                                                                                  |
| 32                                                                                       | Telangana                                                                                | 8979292                                                                                  | 7769765                                                                                  |
| 33                                                                                       | Tripura                                                                                  | 827026                                                                                   | 751549                                                                                   |
| 34                                                                                       | Uttar Pradesh                                                                            | 47412151                                                                                 | 34706795                                                                                 |
| 35                                                                                       | Uttarakhand                                                                              | 2193899                                                                                  | 1576663                                                                                  |
| 36                                                                                       | West Bengal                                                                              | 29952184                                                                                 | 22794048                                                                                 |
| Total                                                                                    | Total                                                                                    | 313447789                                                                                | 232755169                                                                                |