Lok Sabha Question No. 2960 (UNSTARRED), answered on 2018-08-03
Subject: Pradhan Mantri Jan-Dhan Yojana
Ministry: FINANCE
Asked by: George Baker, ANIL SHIROLE, VINOD CHAVDA, PARBHUBHAI NAGARBHAI VASAVA, Sunil Kumar Jakhar, SUNIL KUMAR SINGH, NATUBHAI GOMANBHAI PATEL, A.T. (NANA) PATIL

## GOVERNMENT OF INDIA

## MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 2960

TO BE ANSWERED ON AUGUST, 2018 (FRIDA YYSHRAVANA 12 1940 (SAKA) 3rd

## Pradhan Mantri Jan-Dhan Yojana

2960. SHRI GEORGE BAKER:

SHRI ANIL SHIROLE:

SHRI VINOD LAKHAMASHI CHAVDA:

SHRI PARBHUBHAI NAGARBHAI VASAVA:

SHRI SUNIL JAKHAR:

SHRI SUNIL KUMAR SINGH:

SHRI NATUBHAI GOMANBHAI PATEL: SHRIA.T. NANA PATIL:

## Will the Minister of FINANCE be pleased to state:

- (a) the salient features of the Pradhan Mantri Jan-Dhan Yojana (PMJDY) along with the target set and achievements made S0 far under the Yojana:
- (b) the number of account holders, amount   deposited. the number of accounts having nO transaction and the number of accounts out of them frozen by the Government due to nontransaction under the PMJDY since its inception across the country year and State/UT-wise including Maharashtra; Gujarat and West Bengal;
- c) the steps   taken/being taken by the Government for coverage of' maximum area under the yojana;
- whether the Government proposes to give debit and credit cards along with inereased limit of ATM use by the PMJDY account holders and if so. the details thereof: and
- e) whether the Government is planning/proposing to provide the benefits of the Pradhan Mantri Jeewan Jyoti Bima Yojana (PMJJBY) to the PMJDY account holders across the country. il so. the details thereof and the reasons therefor along with the time by which it is likely to be linked?

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

## (SHRI SHIV PRATAP SHUKLA)

- (a) to (c) Pradhan Mantri Jan Dhan Yojana (PMJDY) is an ongoing scheme of the Government targeted at providing universal access to basic banking (acilities and financial services. RuPay debit card with PMJDY accountholders  along with an overdraft facility of upto Rs. 5.000 on satisfacetory performance of account for 6 months.

As on 25.7.2018, 32.17 crore accounts have been opened under PMJDY with a total deposit of Rs. 80.093.77 crore. Out of the total accounts, 18.97 erore (59% are in rural/semi-urban centres and 16.99 crore (53%) accounts have been   opened by women beneficiaries. State/UT-wise  details of PMJDY accounts are   given in Annexure:

As per Reserve Bank of India (RBI) circular. saving bank accounts are trealed as inoperative account; in case there is no customer induced transaction for (WO years. Based 0n this eriteria. as on 11.7.2018, there are 6.05 crore inactive PMJDY accounts (source: banks)

- (d) One RuPay debit card, with an in-built  accident insurance cover provided to PMJDY accountholders. As per extant guidelines dated 10.8.2012 issued by RBL, maximum four withdrawals in a month (including ATM withdrawal) are allowed for BSBD accountholders, including PMJDY accountholders.
- (e The and eligible PMJDY accountholders can subseribe t0 micro-insurance under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). The scheme is available to people in the age group of 18-50 years and provides for a life cover of Rs. 2.00 lakh for one year period at an annual premium of Rs. 330.

## regarding Pradhan Mantri Jan-Dhan Yojana

## State/UT-wise position of PMJDY as on 25.7.2018

| S.No   | State Name                | Total Beneficiaries   | Balance in beneficiary accounts (in crore)   |
|--------|---------------------------|-----------------------|----------------------------------------------|
| 1      | Andaman & Nicobar Islands | 54,138                | 22.89                                        |
| 2      | Andhra Pradesh            | 90,52,181             | 1,561.15                                     |
| 3      | Arunachal Pradesh         | 2,53,780              | 82.47                                        |
| 4      | Assam                     | 130,65,570            | 2,984.75                                     |
| 5      | Bihar                     | 352,11,708            | 7,727.42                                     |
| 6      | Chandigarh                | 2,50,049              | 93.86                                        |
| 7      | Chhattisgarh              | 132,63,057            | 2,440.65                                     |
| 8      | Dadra & Nagar Haveli      | 99,404                | 37.56                                        |
| 9      | Daman & Diu               | 45,140                | 15.45                                        |
| 10     | Delhi                     | 41,16,026             | 1,605.78                                     |
| 11     | Goa                       | 1,51,404              | 83.75                                        |
| 12     | Gujarat                   | 122,65,850            | 3,393.43                                     |
| 13     | Haryana                   | 65,95,731             | 2,638.06                                     |
| 14     | Himachal Pradesh          | 10,15,120             | 468.18                                       |
| 15     | Jammu & Kashmir           | 19,91,441             | 784.51                                       |
| 16     | Jharkhand                 | 114,98,056            | 2,609.50                                     |
| 17     | Karnataka                 | 117,92,631            | 2,747.78                                     |
| 18     | Kerala                    | 35,77,709             | 973.02                                       |
| 19     | Lakshadweep               | 5,292                 | 7.26                                         |
| 20     | Madhya Pradesh            | 281,84,178            | 4,126.97                                     |
| 21     | Maharashtra               | 224,45,708            | 4,653.69                                     |
| 22     | Manipur                   | 8,19,734              | 180.69                                       |
| 23     | Meghalaya                 | 4,35,263              | 202.15                                       |
| 24     | Mizoram                   | 2,80,205              | 68.47                                        |
| 25     | Nagaland                  | 2,20,754              | 42.87                                        |
| 26     | Odisha                    | 127,11,984            | 3,590.08                                     |
| 27     | Puducherry                | 1,49,212              | 32.37                                        |
| 28     | Punjab                    | 61,48,043             | 2,277.35                                     |
| 29     | Rajasthan                 | 248,70,753            | 5,800.48                                     |
| 30     | Sikkim                    | 91,328                | 31.1                                         |
| 31     | Tamilnadu                 | 90,52,387             | 1,484.38                                     |
| 32     | Telangana                 | 90,18,411             | 1,346.43                                     |
| 33     | Tripura                   | 8,41,135              | 637.52                                       |
| 34     | Uttar Pradesh             | 490,63,472            | 13,754.71                                    |
| 35     | Uttarakhand               | 22,45,468             | 959.21                                       |
| 36     | West Bengal               | 308,16,562            | 10,627.79                                    |
|        | Total                     | 3216,98,884           | 80,093.77                                    |

Source:

Banks