Lok Sabha Question No. 156 (UNSTARRED), answered on 2018-02-02
Subject: PMJDY
Ministry: FINANCE
Asked by: MANSUKHBHAI DHANJIBHAI VASAVA, LAXMI NARAYAN YADAV

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

## LOK SABHA UNSTARRED QUESTION No. 156

TO BE ANSWERED ON 2 FEBRUARY 2018 (FRIDAYYMAGHA 13, 1939 (SAKA) PMJDY

## 156. SHRI MANSUKHBHAI DHANJIBHAI VASAVA: SHRI LAXMI NARAYAN YADAV:

Will the Minister of FINANCE be pleased to state:

- the number of Pradhan Mantri Jan Dhan Yojana (PMJDY) bank accounts with total deposit in these accounts, bank, State/UT-wise including Gujarat and Madhya Pradesh; opened along
- the number of PMJDY account wherein financial benefits of Government schemes is provided; being
- whether any target has been fixed for opening bank accounts under the scheme, if so, the details thereof;
- whether such accounts are exerting   pressure on rural banks, if SO, the reaction   of the Government thereto;
- whether the Government has increased the rural bank branches to reduce the said pressure, if SO, the details thereof; and
- the steps taken/being taken by the Government in this regard?

## Answer

## The Minister of State in the Ministry of Finance (SHRI SHIV PRATAP SHUKLA)

(a The number of bank accounts opened under Pradhan Mantri Jan-Dhan   Yojana (PMJDY) along with total deposit in these accounts, State/UT-wise including Gujarat and Madhya Pradesh and bank-wise is at Annex-I and Il respectively.

b PMJDY is an ongoing scheme of the government targeted inter alia to provide universal access to basic banking facilities and financial services. Banks have informed that under PMJDY, a total of 31.01 crore accounts have been opened as on 24.1.2018 and 23.40 crore RuPay debit cards been issued to PMJDY account-holders. have

- The information in this regard is not centrally maintained.

(d) to (f) The number of functioning branches of public sector banks in rural areas (less than 10,000 population) as reported by Reserve Bank of India (RBI), has increased to 29,146 on 30.9.2017 from 29,029 as on 31.3.2017. In addition to bank branches, banking services are also provided through Business Correspondents in rural areas to share the workload.

RBI has   rationalized its Branch Authorisation   Policy and  granted   general  permission to domestic Scheduled Commercial Banks (excluding Regional Rural Banks), including Public Sector Banks, to open banking outlets at any place in the country, without seeking approval of RBI in each case, subject to at least 25 percent f the total number of banking outlets opened during a financial year in unbanked rural centres (Tier 5 and Tier 6 centres). prior being

RBI has also aligned the roadmap for unbanked villages having population more than 5,000 with the revised guidelines on Branch Authorisation Policy vide circular dated June 8, 2017, wherein State Level Bankers Committee (SLBC) Convenor banks have been advised to review and identify the unbanked rural centres (URCs) in villages with population above 5,000, and ensure that such URCs are banked forthwith by opening of CBS enabled banking outlets.

| State/UT-wise number of PMJDY bank accounts with total deposits (as on 24.1.2018)   | State/UT-wise number of PMJDY bank accounts with total deposits (as on 24.1.2018)   | State/UT-wise number of PMJDY bank accounts with total deposits (as on 24.1.2018)   | State/UT-wise number of PMJDY bank accounts with total deposits (as on 24.1.2018)   |
|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|
| S.No                                                                                | State Name                                                                          | Total number of account holder                                                      | Deposit (in Rs.crore)                                                               |
|                                                                                     | Andaman & Nicobar Islands                                                           | 51,374                                                                              | 19.84                                                                               |
| 2                                                                                   | Andhra Pradesh                                                                      | 89.48054                                                                            | 1,473.91                                                                            |
| 3                                                                                   | Arunachal Pradesh                                                                   | 2,53.418                                                                            | 73.43                                                                               |
| 4                                                                                   | Assam                                                                               | 1,26,60,531                                                                         | 2,872.56                                                                            |
| 5                                                                                   | Bihar                                                                               | 3.32,22,898                                                                         | 6,764.59                                                                            |
| 6                                                                                   | Chandigarh                                                                          | 2,45,557                                                                            | 92.6                                                                                |
|                                                                                     | Chhattisgarh_                                                                       |                                                                                     | 2,092.34                                                                            |
| 8                                                                                   | Dadra & Nagar Haveli                                                                | 90,301                                                                              | 34.98                                                                               |
| 9                                                                                   | Daman & Diu                                                                         | 42,885                                                                              | 14.51                                                                               |
| 10                                                                                  | Delhi                                                                               |                                                                                     | 1,507.92                                                                            |
| 11                                                                                  | Goa                                                                                 | 1,50,806                                                                            | 78.04                                                                               |
| 12                                                                                  | Gujarat                                                                             |                                                                                     | 3,048.69                                                                            |
| 13                                                                                  | Haryana                                                                             | 64,67,225                                                                           | 2,.479.33                                                                           |
| 14                                                                                  | Himachal Pradesh                                                                    | 9,84,263                                                                            | 436.31                                                                              |
| 15                                                                                  | Jammu & Kashmir                                                                     | 19,44,692                                                                           | 747.34                                                                              |
| 16                                                                                  | Jharkhand                                                                           | 1,10,36.489                                                                         | 2,329.84                                                                            |
| 17                                                                                  | Karnataka                                                                           | 1,16,16,548                                                                         | 2,522.14                                                                            |
| 18                                                                                  | Kerala                                                                              | 34,83,984                                                                           | 911.97                                                                              |
| 19                                                                                  | Lakshadweep                                                                         | 5,194                                                                               | 6.34                                                                                |
| 20                                                                                  | Madhya Pradesh                                                                      | 2,69.34,794                                                                         | 3,282.32                                                                            |
| 21                                                                                  | Maharashtra                                                                         | 2,19,04,198                                                                         | 4,212.45                                                                            |
| 22                                                                                  | Manipur                                                                             | 7.88273                                                                             | 181.79                                                                              |
| 23                                                                                  | Meghalaya                                                                           | 4,13,758                                                                            | 200.18                                                                              |
| 24                                                                                  | Mizoram                                                                             | 2,65,257                                                                            | 15.79                                                                               |
| 25                                                                                  | Nagaland                                                                            | 2,17,528                                                                            | 37.45                                                                               |
| 26                                                                                  | Odisha                                                                              | 122,66,589                                                                          | 3,328.49                                                                            |
| 27                                                                                  | Puducherry                                                                          |                                                                                     | 33.84                                                                               |
| 28                                                                                  | Punjab                                                                              | 60,29,330                                                                           | 2,191.56                                                                            |
| 29                                                                                  | Rajasthan                                                                           |                                                                                     | 5,098.95                                                                            |
| 30                                                                                  | Sikkim                                                                              | 94,736                                                                              | 29.36                                                                               |
| 31                                                                                  | Tamil Nadu                                                                          | 88,57,741                                                                           | 1,362.57                                                                            |
| 32                                                                                  | Telangana                                                                           | 89,40,830                                                                           |                                                                                     |
| 33                                                                                  | Tripura                                                                             | 8,18353                                                                             | 685.29                                                                              |
| 34                                                                                  | Uttar Pradesh                                                                       | 4,66,72,616                                                                         | 12,212.43                                                                           |
| 35                                                                                  | Uttarakhand                                                                         | 21,51,632                                                                           | 863.43                                                                              |
| 36                                                                                  | West Bengal                                                                         | 2,96,54,453                                                                         | 11,105.61                                                                           |
|                                                                                     | Total                                                                               | 3100,99.155                                                                         | 73,588.56                                                                           |

Source: Banks (Public Sector Banks. Regional Rural Banks and 13 Major Private Banks)

| Bank-wise number of PMJDY accounts with total deposits          |                                | (as on 24.1.2018)                  |
|-----------------------------------------------------------------|--------------------------------|------------------------------------|
| Bank Type                                                       | Total number of account holder | Deposits (in Rs:_lakh)             |
| Public Sector Banks                                             | 250386603 49825954             | 5891354.13                         |
| Regional Rural Banks                                            |                                | 1249218.90 218282.85               |
| Private Sector Banks                                            | 9886598                        |                                    |
| Grand Total                                                     | 310099155                      | 7358855.88                         |
| (A) Public Sector Banks                                         |                                | 180375.54                          |
| Name of the Bank Allahabad Bank                                 | 7312272                        | 30703.35                           |
| Andhra Bank Bank of Baroda                                      | 2352108 23057269               | 590473.68                          |
| Bank of India                                                   | 18972064                       | 406286.70                          |
| Bank of Maharashtra                                             | 5142673                        | 105920.87                          |
| Canara Bank                                                     | 6698215                        | 189050.32                          |
| Central Bank of India                                           | 10867427                       | 197016.58                          |
| Corporation Bank                                                | 2710491                        | 101422.55                          |
| Dena Bank                                                       | 4376714                        | 92825.29                           |
|                                                                 | 822916                         | 20687.31                           |
| Indian Bank                                                     | 3301946                        | 46520.73                           |
| Indian Overseas Bank                                            | 4384713                        | 76009.76                           |
| Oriental Bank of Commerce                                       | 4203256                        | 424993.00                          |
| Punjab & Sind Bank                                              | 1086936                        | 58100.14                           |
| Punjab National Bank                                            | 18180240                       | 350705.99 1591234.76               |
| State Bank of India                                             | 105069943                      |                                    |
| Syndicate Bank                                                  | 4443273                        | 132926.68                          |
| UCQ Bank                                                        | 6492440                        | 153047.15 139752.38                |
| Union Bank of India                                             | 7495466                        | 983513.02                          |
| United Bank of India                                            | 11984301                       | 19788.33                           |
| Vijaya Bank                                                     | 1461943                        |                                    |
| Public Sector Banks Sub Total                                   |                                |                                    |
|                                                                 | 250386603                      |                                    |
| (B) Regional Rural Bank Name of the Bank                        |                                | 5891354.13                         |
| Allahabad Bank Andhra Bank                                      | 1093411 183671                 | 27339.07 2755.39                   |
| Bank of Baroda Bank of India                                    | 5904673 4022603                | 155393.44 79788.70                 |
| Bank of Maharashtra                                             | 933172                         | 20501.79                           |
|                                                                 |                                | 53246.14                           |
| Canara Bank                                                     | 1086141                        | 114015.06                          |
|                                                                 | 4206222                        |                                    |
|                                                                 | 423195                         | 13284.26 6906.30                   |
| Indian Bank                                                     | 557803                         |                                    |
| Indian Overseas Bank                                            | 1018323                        | 29066.32 5012.44                   |
| Jammu & Kashmir Bank Ltd                                        | 105242                         | 306.86                             |
| Punjab & Sind Bank                                              | 20286                          | 118217.86                          |
| Punjab National Bank                                            | 3598000                        |                                    |
|                                                                 |                                | 276930.63                          |
| State Bank of India                                             | 12928823                       | 93594.81                           |
| Syndicate Bank                                                  | 2565151                        | 28477.79                           |
| UCO Bank                                                        | 1466778 1340979                | 31603.54                           |
| Union Bank of India                                             |                                | 192778.49                          |
| United Bank of India                                            | 8371481                        | 1249218.90                         |
| Regional Rural Banks Sub Total                                  | 49825954                       |                                    |
| (C) Major Private Banks                                         |                                |                                    |
| Name of the Bank Axis Bank Ltd City Union Bank Ltd              | 777064 84049                   | 21961.81 494.68                    |
| Federal Bank Ltd HDFC Bank Ltd ICICI Bank Ltd IndusInd Bank Ltd | 479833 1771826 4009746         | 19116.72 86461.61 20116.66 3036.66 |
|                                                                 | 446519                         |                                    |
| Jammu & Kashmir Bank Ltd                                        |                                | 57125.23                           |
|                                                                 | 1499706                        |                                    |
| Karur Vysya Bank Kotak Mahindra Bank Ltd                        | 186701                         | 1609.77 1867.18                    |
|                                                                 | 179490                         |                                    |
| Lakshmi Vilas Bank Ltd                                          |                                | 1466.39                            |
| RBL Bank Ltd                                                    | 135025 95307                   | 215.10                             |
| South Indian Bank Ltd                                           | 209160                         | 4589.53                            |
| Yes Bank Ltd                                                    |                                |                                    |
|                                                                 | 12172                          | 218282.85                          |
| Major Private Banks Sub Total                                   | 9886598                        |                                    |

Source: Banks (Public Sector Banks, Regional Rural Banks and [3 Major Private Banks)