Lok Sabha Question No. 2069 (UNSTARRED), answered on 2017-12-29
Subject: PMJDY
Ministry: FINANCE
Asked by: BHARTRUHARI MAHTAB, RAHUL RAMESH SHEWALE, SANJAY SHAMRAO DHOTRE, KALIKESH NARAYAN SINGH DEO

## GOVERNMENT OF INDIA

## MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UNSTARRED QUESTION No. 2069

TO BE ANSWERED ON Friday . December 29. 2017/Pausha 08. 1939 (Saka)

## PMJJDY

2069, SHRI BHARTRUHARI MAHTAB: SHRI SANJAY DHOTRE:

SHRI RAHUL SHEWALE: SHRI KALIKESH N, SINGH DEO:

Will the Minister of FINANCE be pleased t0 state:

- a) whether the Pradhan Mantri Jan Dhan Yojana (PMJDY) has achieved its objectives and if so\_ the details thereof including the target fixed and achievement made by PSBs/ Private Sector Banks since inception. along With the monetary benefits given to account-holders. State/UT and bank-wise:
2. the number of' debit/credit cards issued t0 the beneficiaries under the scheme:
3. the number of claims of accidental insurance have been settled under the PMJDY scheme since inception along With the amount involved in such claims State-wise and bank-wise:
4. the remedial measures taken/ taken by the Government in this regard? being
5. whether the cases involving   opening accounts by the same person and other irregularities in opening of accounts/settlement of elaims under the scheme have come t0 the notice of the Government since inception and if so. the details thereof. State/UT-wise and bank wise: and

## Answer

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

(a) and (b) Pradhan Mantri Jan Dhan Yojana (PMJDY) is an ongoing scheme of the Government targeted at providing universal access to basic banking facilities and financial services.

Under PMJDY\_ a total of 30.76 crore accounts have been opened and 23.18 crore RuPay debit cards have been issued to PMJDY account-holders. The state-wise and bank-wise number of PMJDY accounts opened and RuPay debit cards issued are at Annexure and Annexure 2.

Areas (SSAs) calering to 1000 1500 households each in rural areas bank braneh have been covered with Business Correspondents (BCs).

No monetary benefit is given t0 the account-holders under the scheme.

(d) and (e) As per circular issued by RBI. Basic Savings Bank Deposit (BSBD) account-holders are not eligible for opening any other savings bank deposit accounts in the cardholder is eligible for claiming accidental insurance against  only one eligible RuPay  card. cven if' multiple cards are held by the cardholder in same or different banks.

(c) Under PMJDY. RuPay debit eard-holders are provided aceidental insurance coverage o/ Rs. lakh. The total number 0f' claims 0f' accidental insurance amounting Rs. 21.78 crore. State-Wise and bank-Wise number of' claims of' accidental insurance as 0n1 15.12.2017 are at Annexure 3 and Annexure 4 respectively. paid paid

Annexure 1 to the unstarred Lok Saha Q No. 2069 due for answer on 29.12.2017

Source: Public Sector Banks (PSB), Regional Rural Banks (RRB) and 13 major Private Sector Banks

| S.No State Name             | Number of Total Accounts opened under PMJDY   | Number of Rupay Debit Cards issued to PMJDY account holders   |
|-----------------------------|-----------------------------------------------|---------------------------------------------------------------|
| 1/Andaman & Nicobar Islands |                                               | 39,574                                                        |
| 2 Andhra Pradesh            | 8,957,366                                     | 7,557,073                                                     |
| 3/Arunachal Pradesh         | 253,395                                       | 197,148                                                       |
| 4/Assam                     | 12,567,530                                    | 9,539,990                                                     |
| 5/Bihar                     | 32,495,818                                    | 22,512,308                                                    |
| 6 Chandigarh                | 245,182                                       | 187,602                                                       |
| 7 Chhattisgarh              | 12,852,327                                    | 8,706,275                                                     |
|                             | 88,206                                        | 53,748                                                        |
| 9|Daman & Diu          | 41,476                                        | 28,069                                                        |
| 10 Delhi                    | 3,938,893                                     | 3,201,215                                                     |
| 11/Goa                      | 150,466                                       | 122,644                                                       |
|                             | 11,602,170                                    | 9,302,661                                                     |
| 13/Haryana                  |                                               |                                                               |
| 14/Himachal Pradesh         | 978,997                                       |                                                               |
| 15/Jammu & Kashmir          | 1,941,056                                     | 1,476,061                                                     |
| 16/Jharkhand                | 10,957,692                                    | 7,987,332                                                     |
|                             | 11,578,990                                    | 9,270,010                                                     |
| 18/Kerala                   | 3,484,722                                     | 2,421,116                                                     |
| 19 Lakshadweep_             | 5,190                                         | 4,120                                                         |
| 20/Madhya Pradesh           | 26,694,722                                    | 19,127,175                                                    |
| 21/Maharashtra              | 21,735,737                                    | 15,138,148                                                    |
| 22 Manipur                  | 781,173                                       | 675,482                                                       |
| 23 Meghalaya                | 413,243                                       | 241,593                                                       |
| 24/Mizoram                  | 264,940                                       | 90,440                                                        |
| 25 Nagaland                 | 216,819                                       | 174,675                                                       |
| 26/Odisha                   | 12,184,235                                    | 9,559,260                                                     |
| 27 Puducherry               | 159,492                                       | 120,796                                                       |
|                             |                                               | 4,962,330                                                     |
| 29 Rajasthan                | 23,916,085                                    | 16,830,540]                                                   |
| 30/Sikkim                   | 94,593|                                  | 69,913                                                        |
| 31/Tamil Nadu               | 8,861,711                                     | 7,391,669                                                     |
| 32 Telangana                | 8,945,542                                     | 7,462,008                                                     |
| 33 Tripura                  | 813,611                                       | 710,717                                                       |
| 34 Uttar Pradesh            | 284,731 46,2                                  | 36,231,473                                                    |
| 35 Uttarakhand              | 2,146,281                                     | 1,757,083                                                     |
| 36/West Bengal              | 29,434,588                                    | 22,381,274                                                    |
| Total                       |                                               | 231,842,783                                                   |

| Annexure 2 to the unstarred Lok Saha Q. No. 2069 due for answer on   | Annexure 2 to the unstarred Lok Saha Q. No. 2069 due for answer on   | Annexure 2 to the unstarred Lok Saha Q. No. 2069 due for answer on   |
|----------------------------------------------------------------------|----------------------------------------------------------------------|----------------------------------------------------------------------|
| Bank Categorywise Report as on 20/12/2017 (A) Public Sector Banks    | Bank Categorywise Report as on 20/12/2017 (A) Public Sector Banks    | Bank Categorywise Report as on 20/12/2017 (A) Public Sector Banks    |
| Bank Name Type                                                       | Number of Total                                                      | Number of Rupay Debit                                                |
| Allahabad Bank                                                       | 7176557                                                              | 5272539                                                              |
| Andhra Bank                                                          | 2370145                                                              | 1783123                                                              |
| Bank of Baroda                                                       | 22125048                                                             | 20959180                                                             |
| Bank of India                                                        | 18785359                                                             | 17501801                                                             |
| Bank of Maharashtra                                                  | 5073276                                                              | 1008879                                                              |
| Canara Bank                                                          | 6743056                                                              | 4259033                                                              |
| Central Bank of India                                                | 10660760                                                             | 8099650                                                              |
| Corporation Bank                                                     | 2710491                                                              |                                                                      |
| Dena Bank                                                            | 4340535                                                              | 2533040                                                              |
| IDBI Bank Ltd.                                                       | 823009                                                               | 667211                                                               |
| Indian Bank                                                          | 3295934                                                              | 3272812                                                              |
| Indian Overseas Bank                                                 | 4380235                                                              | 4121273                                                              |
| Oriental Bank of Commerce                                            | 4184636                                                              | 3764732                                                              |
| Punjab & Sind Bank                                                   | 1094204                                                              | 1005233                                                              |
| Punjab National Bank                                                 | 17924801                                                             | 14753755                                                             |
| State Bank of India                                                  | 105046295                                                            | 70314980                                                             |
| Syndicate Bank                                                       | 4437997                                                              | 3856510                                                              |
| UCO Bank                                                             | 6163823                                                              | 3986822                                                              |
| Union Bank of India                                                  | 7458052                                                              | 4816337                                                              |
| United Bank of India                                                 | 11942026                                                             | 10218480                                                             |
| Vijaya Bank                                                          | 1465674                                                              | 1464790                                                              |
| Public Sector Banks Sub Total                                        | 248201913                                                            | 186232114                                                            |
| (B) Regional Rural Bank                                              | (B) Regional Rural Bank                                              | (B) Regional Rural Bank                                              |
| Allahabad Bank                                                       | 1089378                                                              | 768124                                                               |
| Andhra Bank                                                          | 183578                                                               | 100898                                                               |
| Bank of Baroda                                                       | 5830563                                                              | 4832511                                                              |
| Bank of India                                                        | 3994164                                                              | 3706467                                                              |
| Bank of Maharashtra                                                  | 928321                                                               | 798373                                                               |
| Canara Bank                                                          | 1085517                                                              | 1057320                                                              |
| Central Bank of India                                                |                                                                      | 3795997                                                              |
| Dena Bank                                                            | 421749                                                               | 289136                                                               |
| Indian Bank                                                          | 554222                                                               | 491224                                                               |
| Indian Overseas Bank                                                 | 1017672                                                              | 616138                                                               |
| Jammu & Kashmir Bank Ltd                                             | 104855                                                               | 21018                                                                |
| Punjab & Sind Bank                                                   | 20285                                                                | 18216                                                                |
| Punjab National Bank                                                 | 3582483                                                              | 3151752                                                              |
| State Bank of India                                                  | 12843343                                                             | 6323551                                                              |
| Syndicate Bank                                                       | 2577410                                                              | 2469730                                                              |
| UCO Bank                                                             | 1431772                                                              | 5593461                                                              |
| Union Bank of India                                                  | 1327973                                                              | 754678                                                               |
| United Bank of India                                                 | 8316459                                                              | 6655852                                                              |
| Regional Rural Banks Sub Total                                       | 49511669                                                             | 36410331                                                             |

| (C) Major Private Banks       |   (C) Major Private Banks |   (C) Major Private Banks |
|-------------------------------|---------------------------|---------------------------|
| Axis Bank Ltd                 |                    774162 |                    686512 |
| City Union Bank Ltd           |                     84006 |                     79235 |
| Federal Bank Ltd              |                    478781 |                    419893 |
| HDFC Bank Ltd                 |                   1771650 |                   1770972 |
| ICICI Bank Ltd                |                   4005112 |                   4005112 |
| IndusInd Bank Ltd             |                    445881 |                    421277 |
| Jammu & Kashmir Bank Ltd      |                   1497033 |                   1175505 |
| Karur Vysya Bank              |                    185793 |                    183532 |
| Kotak Mahindra Bank Ltd       |                    179622 |                    132299 |
| Lakshmi Vilas Bank Ltd        |                    134640 |                    124452 |
| RBL Bank Ltd                  |                     95307 |                     95307 |
| South Indian Bank Ltd         |                    208986 |                     94535 |
| Yes Bank Ltd                  |                     13229 |                     11707 |
| Major Private Banks Sub Total |                   9874202 |                   9200338 |
| Grand Total                   |                 307587784 |                 231842783 |

Source: Public Sector Banks (PSB), Regional Rural Banks (RRB) and 13 major Private Sector Banks

## Annexure 3 to the unstarred Lok Saha Q.No: 2069 due for answer on 29.12.2017

| State Name                  | No.of Cases   |
|-----------------------------|---------------|
| 1 ANDAMAN & NICOBAR ISLANDS |               |
| 2 ANDHRA PRADESH            | 83            |
| 3/ARUNACHAL PRADESH         | 3             |
| 4/ASSAM                     | 3             |
| 5 BIHAR                     | 49            |
| 6/CHANDIGARH                |               |
|                             | 40            |
| 8 DADRA & NAGAR HAVELI      |               |
| 9 DAMAN & DIU               | 2             |
| 11/GUJARAT                  | 5 185         |
| 12/HARYANA                  |               |
|                             | 213           |
| 14/JAMMU & KASHMIR          | 94 20         |
| 15 JHARKHAND                | 16            |
| 16 KARNATAKA                | 88            |
| 17/KERALA                   | 20            |
| 18/LAKSHADWEEP              | 0             |
| 19/MADHYA PRADESH           | 151           |
| 20/MAHARASHTRA              | 250           |
| 21 MANIPUR                  |               |
| 23 MIZORAM                  | 23            |
| 24/NAGALAND                 | 1             |
| 25/NCT OF DELHI             | 74            |
| 26/ORISSA                   | 23            |
| 27PUDUCHERRY                | 2             |
| 28 PUNJAB                   | 128           |
| 29 RAJASTHAN                | 251           |
| 30/SIKKIM                   | 3             |
| 31/TAMIL NADU               | 81            |
| 32 TELANGANA                | 34            |
| 33 |TRIPURA            | 273           |
| 35 UTTARAKHAND              | 54            |
|                             | 19            |
| Total                       | 2178          |

| Annexure 4 to the unstarred Lok Saha Q. No, 2069 due for answer on 29.12.2017                                                    | Annexure 4 to the unstarred Lok Saha Q. No, 2069 due for answer on 29.12.2017                                                    | Annexure 4 to the unstarred Lok Saha Q. No, 2069 due for answer on 29.12.2017                                                    |
|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------|
| PRIME MINISTER JAN DHAN YOJANA (NEW INDIA ASSURANCE CO.) Bank wise Accidental insurance claims paid under PMJDY a5 on 15.12.2017 | PRIME MINISTER JAN DHAN YOJANA (NEW INDIA ASSURANCE CO.) Bank wise Accidental insurance claims paid under PMJDY a5 on 15.12.2017 | PRIME MINISTER JAN DHAN YOJANA (NEW INDIA ASSURANCE CO.) Bank wise Accidental insurance claims paid under PMJDY a5 on 15.12.2017 |
| Sr No                                                                                                                            | Bank Name                                                                                                                        | No.of claims disposed off Claim                                                                                                  |
|                                                                                                                                  | Allanabad bank                                                                                                                   | 18                                                                                                                               |
| 2 Andhra Bank                                                                                                                    | 2 Andhra Bank                                                                                                                    | 36                                                                                                                               |
| 3 Axis Bank                                                                                                                      | 3 Axis Bank                                                                                                                      |                                                                                                                                  |
| Bank of Baroda                                                                                                                   | Bank of Baroda                                                                                                                   | 280                                                                                                                              |
| 5|Bank Of India                                                                                                             | 5|Bank Of India                                                                                                             | 77                                                                                                                               |
| Bank of Manarastra                                                                                                               | Bank of Manarastra                                                                                                               | 37                                                                                                                               |
| Canara Bank                                                                                                                      | Canara Bank                                                                                                                      | 122                                                                                                                              |
| Central bank 0f India                                                                                                            | Central bank 0f India                                                                                                            | 91                                                                                                                               |
| 9 City Union Bank Ltd                                                                                                            | 9 City Union Bank Ltd                                                                                                            |                                                                                                                                  |
|                                                                                                                                  |                                                                                                                                  | 42                                                                                                                               |
| 11 Dena Bank                                                                                                                     | 11 Dena Bank                                                                                                                     | 29                                                                                                                               |
| 12 Federal Bank                                                                                                                  | 12 Federal Bank                                                                                                                  |                                                                                                                                  |
| 13 HDFC Bank                                                                                                                     | 13 HDFC Bank                                                                                                                     | 22                                                                                                                               |
| 15 IDBI Bank Limited                                                                                                             | 15 IDBI Bank Limited                                                                                                             | 34                                                                                                                               |
| 16lIndian bank                                                                                                                   | 16lIndian bank                                                                                                                   | 80                                                                                                                               |
| 17lindian Overseas Bank                                                                                                          | 17lindian Overseas Bank                                                                                                          | 44                                                                                                                               |
|                                                                                                                                  |                                                                                                                                  | 4                                                                                                                                |
| 19 Jammu and Kashmir Bank                                                                                                        | 19 Jammu and Kashmir Bank                                                                                                        | 2                                                                                                                                |
| zokkarur Vaisya Bank                                                                                                             | zokkarur Vaisya Bank                                                                                                             |                                                                                                                                  |
| 21 Kotak Mahindra Bank                                                                                                           | 21 Kotak Mahindra Bank                                                                                                           | 2                                                                                                                                |
| 22 Lakshmi Vilas Bank                                                                                                            | 22 Lakshmi Vilas Bank                                                                                                            |                                                                                                                                  |
| 23 oriental Bank of Commerce                                                                                                     | 23 oriental Bank of Commerce                                                                                                     | 32                                                                                                                               |
|                                                                                                                                  |                                                                                                                                  | 30                                                                                                                               |
| 25 Punjab National Bank                                                                                                          | 25 Punjab National Bank                                                                                                          | 630                                                                                                                              |
| 26 Ratnakar Bank                                                                                                                 | 26 Ratnakar Bank                                                                                                                 |                                                                                                                                  |
| 27 South Indian Bank                                                                                                             | 27 South Indian Bank                                                                                                             |                                                                                                                                  |
| 29 State Bank of India                                                                                                           | 29 State Bank of India                                                                                                           | 236                                                                                                                              |
| 30 Syndicate Bank                                                                                                                | 30 Syndicate Bank                                                                                                                | 50                                                                                                                               |
| 31 Uco Bank                                                                                                                      | 31 Uco Bank                                                                                                                      | 32                                                                                                                               |
| 32 Union Bank Of India                                                                                                           | 32 Union Bank Of India                                                                                                           | 81                                                                                                                               |
| 33 United Bank Of India                                                                                                          | 33 United Bank Of India                                                                                                          | 16                                                                                                                               |
| 34|vijaya Bank                                                                                                              | 34|vijaya Bank                                                                                                              |                                                                                                                                  |
| 35 Yes Bank                                                                                                                      | 35 Yes Bank                                                                                                                      |                                                                                                                                  |
| 36 TOTAL                                                                                                                         | 36 TOTAL                                                                                                                         | 1833                                                                                                                             |
| 37 Abhyudya Coop Bank                                                                                                            | 37 Abhyudya Coop Bank                                                                                                            | 12                                                                                                                               |
| 38 ADARSH CO-OP BANK LTD Count                                                                                                   | 38 ADARSH CO-OP BANK LTD Count                                                                                                   |                                                                                                                                  |
| 39 AHMEDABAD DISTRICT CO-OP . BANK                                                                                               | 39 AHMEDABAD DISTRICT CO-OP . BANK                                                                                               |                                                                                                                                  |
| 40 Almora Urban Coop Bank                                                                                                        | 40 Almora Urban Coop Bank                                                                                                        |                                                                                                                                  |
| 41 Bandhan Bank Lid; 42                                                                                                          | 41 Bandhan Bank Lid; 42                                                                                                          |                                                                                                                                  |
| Bhagini Nivedita Sehkari Bank                                                                                                    | Bhagini Nivedita Sehkari Bank                                                                                                    |                                                                                                                                  |
| 44 Chanderpur DCC Bank                                                                                                           | 44 Chanderpur DCC Bank                                                                                                           |                                                                                                                                  |
| 45 Chandigarh State cOOp bank Itd.                                                                                               | 45 Chandigarh State cOOp bank Itd.                                                                                               |                                                                                                                                  |

| 46 Dombivali Sahkari Bank Nagar               |    |
|-----------------------------------------------|----|
| 47/DmK JAOLI BANK LTD                         |    |
| 47 G.P. Parsik Bank                           |    |
| 48 GREATER BOMBAY COOP.BANK LTD Count         |    |
| 49 Hasti coop. Bank Itd, 50                   |    |
| Head Post Office                              |    |
| 51 IIDFC Bank                                 |    |
| 52 Kalupur commercial coop bank               |    |
| 53 Kangra Coop Bank Ltd                       |    |
| 54 Karad urban cOop. bank                     |    |
| 55 KARNATAKA BANK LTD                         |    |
| 56 ILOKNETE DATTAJI PATIL SAHAKARI BANK LTD   |    |
| 57 Mensana Urban Coop Bank                    |    |
| 58]Municipal coop bank Itd                    |    |
| 59 NAGPUR NAGARIK SAHAKARI BANK LTD           |    |
| 60 Priyadarshini Nagrik sahkari bank Itd      |    |
| 61 Punjab State Coop. Bank                    |    |
| 62 RAJARAMBAPU SAHAKARI BANK                  | 2  |
| 63 RAJGURUNAGAR SAHAKARI BANK LTD             |    |
| 64/RAIKOT NAGARIK SAHAKARI BANK LTD           | 5  |
| 65 Saraswati Coop Bank Ltd_                   |    |
| 67 SHREE KADI NAGRIK SAHAKARI BANK            |    |
| 68 SHREE MAHAVIR SAHAKARI BANK                |    |
| 68 SHRI PANCHGANGA NAGARI SAHAKARI BANK       |    |
| 69 Smriti Nagrik Senkari Bank                 |    |
| 70 Surat People Coop. Bank                    |    |
| 71 THE SANGAMNER MERCHANTS CO-OP BANK         |    |
| 72 TEHRI GRAHWAL ZILA SAHAKARI BANK LTD       |    |
| 73 TAMILNAD MERCANTILE BANK LTD               |    |
| 74 THANE JANTA SAHKARI BANK                   |    |
| 75 THE JALGAON PEOPELS CO-OP . BANK LTD       |    |
| 76 THE MAHANAGAR CO-OP . BANK LTD             |    |
| Z7 IHE NASHIK ROAD VYAPARI SAHAKARI BANK LTD_ | 2  |
| 78 THE NAV JEEVAN CO-OP BANK LTD              |    |
| 79 THE NAWANAGAR CO-OPERATIVE BANK LTD        |    |
| 80 THE SATARA DISTRICT CO-OP. BANK LTD        |    |
| 81 URBAN Coop Bank Ltd_                       |    |
| 82 VASAI VIKAS SAHAKARI BANK LTD              |    |
| 83/wai Urban Coop Bank                        |    |