Lok Sabha Question No. 1047 (UNSTARRED), answered on 2017-07-21
Subject: PMJDY
Ministry: FINANCE
Asked by: NINONG ERING, JAGDAMBIKA PAL, BHARTRUHARI MAHTAB, LAXMAN GILUWA, RAM TAHAL CHOUDHARY, ABHISHEK SINGH

## GUVEKNMEN Ul INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION No: 1047

TO BE ANSWERED ON 21 JULY 2017 (FRIDAYYASHADHA 30, 1939 (SAKA)

## PMJDY

| 1047. SHRI NINONG ERING:   | SHRI JAGDAMBIKA PAL:   |
|----------------------------|------------------------|
| SHRI BHARTRUHARI MAHTAB:   | SHRI LAXMAN GILUWA:    |
| SHRI RAM TAHAL CHOUDHARY:  |                        |

Will the Minister of FINANCE be pleased to state:

(a) the number of accounts opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) across the country since inception and post demonetisation, Bank and State/UT-wise including Arunachal Pradesh;

(b) whether the Government has achieved the objectives of implementing the said Yojana in the country and if so, the details and if not; the reasons therefor;

(c) whether the cases of opening of duplicate bank accounts under the said yojana for depositing black money during the demonetisation scheme have come to the notice of the Government;

(d) if the details thereof as on date and the reasons therefor along with the action taken/being taken by the Government in such cases SO and far;

(e) the steps taken/being taken by the Government for effective implementation and provide financial literacy to the rural people utilising the services of the banks first time in this regard?

## Answer

## The Minister of State in the Ministry of Finance (SHRI SANTOSH KUMAR GANGWAR)

- a) Bank-wise and State/UT-wise accounts under Pradhan Mantri Jan Dhan Yojana is at Annex:

(b) The status of achievement of the objectives of PMJDY is as follows:

- Access to banking facilities has been provided through deployment of Bank Mitras in subservice areas across the country;
- (iii) Financial literacy programmes have been launched by banks;
- (ii) 29.09 crore bank accounts have been opened, as on 12.7.2017, with accountholders fulfilling requirements having access to overdraft facility and RuPay debit card;
- (iv) Credit guarantee cover has been provided for default in overdraft from accounts opened under PMJDY;
- (vi) Atal  Pension  Yojana has been  launched to provide a pension scheme for the unorganised sector.
- Willing and eligible persons have been given the of availing of micro-insurance cover; in the form of personal accident insurance cover under Pradhan Mantri Suraksha Bima Yojana and life insurance cover under Pradhan Mantri Jeevan Jyoti Bima Yojana; and option

(c) & (d) Public Sector Banks have reported that no case of opening of duplicate bank accounts under PMJDY have come t0 their notice.

(e) Reserve Bank dated 14.1.2016, inter   alia  advised   scheduled commercial banks including Regional Rural Banks to conduct two types of camps viz: camps for people newly inducted into the financial system (1 camp per month) for a period of one year and target group specific camps one each for five target groups' viz farmers, small entrepreneurs, school children; senior citizens and Self Help Groups. Further; RBI, vide its circular dated 2.3.2017 advised banks that FLCs to conduct special camps   for a period of one year beginning April 1, 2017 on digital' through UPI and *99# (USSD)" . special "Going

Annexure to the Lok Sabha question no 1047 for 21.7.2017 regarding PMJDY

| SN State/Union Territory   | Total accounts (since inception) as on 12.7.2017   |
|----------------------------|----------------------------------------------------|
| ANDAMAN & NICOBAR ISLANDS  | 51,716                                             |
| 2ANDHRA PRADESH            | 88,08,8961                                         |
| 3 ARUNACHAL PRADESH        | 2,18,827                                           |
| 4 ASSAM                    | 120.94,923                                         |
| SIBIHAR                    | 303,05,959                                         |
| 6 CHANDIGARH               | 222,518                                            |
| 7ICHHATTISGARH             | 125.24,840                                         |
|                            | 81,9861                                            |
| 9 DAMAN & DIU              | 32,447                                             |
|                            | 1,46,485                                           |
| 12 GUJARAT                 |                                                    |
| 13HARYANA                  | 61,20,164                                          |
| 14IHIMACHAL PRADESH        | 9,16,302                                           |
| I5IJAMMU & KASHMIR         | 19.46.098                                          |
| 161JHARKHAND               | 102.45.898                                         |
| ITIKARNATAKA               | 107.19,149                                         |
|                            | 32,44,219                                          |
| 19 LAKSHADWEEP             | 4,791                                              |
| 20MADHYA PRADESH           | 257,18,983                                         |
| 21MAHARASHTRA              | 202,24,812                                         |
| 22 MANIPUR                 | 7,52,126                                           |
| 23 MEGHALAYA               | 3,98,821                                           |
| 24IMIZORAM                 | 2,90.6561                                          |
| 25INAGALAND                | 2,21,980                                           |
| 26 ODISHA                  | 116,22,195                                         |
| 27 PUDUCHERRY              | 1,41,320                                           |
| 28 PUNJAB                  | 54,86.134                                          |
| 29/RAJASTHAN               | 196,47,261                                         |
| 30 SIKKIM                  | 91,789                                             |
| 31 TAMIL NADU              | 88.40.442                                          |
| 32 TELANGANA               |                                                    |
| 33 TRIPURA                 | 8,04,306                                           |
| 34/UTTAR PRADESH           | 451,35,657                                         |
|                            | 20.81,012                                          |
|                            | 279,38,751                                         |
| Total                      | 2909,22,178                                        |

Source: Banks

Figure for banks include the figures for any Regional Rural Banks sponsored by them:

| SN Bank                      | Total accounts (since inception) As on 12.7.2017   | Accounts opened after 8.11.2016   |
|------------------------------|----------------------------------------------------|-----------------------------------|
| Allahabad Bank               | 77,60,912                                          | 11,22,204                         |
| 2 Andhra Bank                | 25.98,125                                          | 2,40.297                          |
| 3 Axis Bank                  | 7.25.069                                           | 97,146                            |
| Bank of Baroda               | 261,77,522                                         | 55,41,537                         |
| 5 Bank of India              | 214,60,315                                         | 29.30,709                         |
| 6 Bank of Maharastra         | 54,51,813                                          | 14,778                            |
| 7 Canara Bank                | 76.65.295                                          | 5,70,831                          |
| 8 Central Bank of India      | 139.28.987                                         | 15,53,507                         |
| 9 City Union Bank Ltd.       | 83.958                                             | 1,534                             |
| 1OCorporation Bank           | 27.00.415                                          | 92,771                            |
|                              | 45,25,503                                          | 7.83,669                          |
| 12 Federal Bank              | 4,68,077                                           | 35,700                            |
| 13/HDFC Bank                 | 17,70.259                                          | 52,808                            |
| 14/ICICI Bank                | 35.71,129                                          | 4,27.506                          |
|                              | 8.24,762                                           | 39.830                            |
| 16 Indian Bank               | 37,91,553                                          | 2,75,325                          |
| 17/Indian Overseas Bank      | 53,28,111                                          | 2,79.935                          |
| 18 IndusInd Bank             | 4,42,733                                           | 69,985                            |
| 19 Jammu and Kashmir Bank    | 15.73.628                                          |                                   |
| 20Karur Vysya Bank           | 1,80.532                                           | 19,281                            |
| 21 Kotak Mahindra Bank       | 1,80.475                                           | 431                               |
| 22 Lakshmi Vilas Bank        | 1,77,378                                           | 12,276                            |
| 23 Oriental Bank of Commerce | 40,50,274                                          | 2,28.515                          |
| 24 Punjab & Sind Bank        | 7,69,440                                           | 21,393                            |
| 25 Punjab National Bank      | 203.25.470                                         | 25,05.855                         |
| 26/RBL Bank                  | 95,307                                             |                                   |
| 27/South Indian Bank         | 2,05,254                                           | 11,509                            |
| 28/State Bank of India       | 1112,25,753                                        | 257.82,894                        |
| 29 Syndicate Bank            | 69,69,737                                          | 3,95,708                          |
| 30 UCO Bank                  | 72,83,503                                          | 10,70.609                         |
| 31|Union Bank of India  | 81,79,040                                          | 16.94,905                         |
| 32|United Bank of India | 189.53,550                                         | 28,57.559                         |
|                              | 14.62,719                                          | 9,547                             |
| 34/Yes Bank                  | 15.580                                             | 1,502                             |
| Total                        | 2909,22,178                                        | 488,52,445                        |

Source: Banks

Figure for banks include the figures for any Regional Rural Banks sponsored by them.