Lok Sabha Question No. 1806 (UNSTARRED), answered on 2016-11-25
Subject: PMJDY Accounts
Ministry: FINANCE
Asked by: DUSHYANT CHAUTALA, P.R. SUNDARAM, BHARATENDRA SINGH, KINJARAPU RAM MOHAN NAIDU, HEENA VIJAYKUMAR GAVIT, SHRIKANT EKNATH SHINDE, KUNWAR SARVESH  KUMAR, RAHUL RAMESH SHEWALE, JYOTIRADITYA MADHAVRAO SCINDIA, M. I. SHANAVAS, JAYAKUMAR JAYAVARDHAN

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

TO BE ANSWERED ON 25th NOVEMBER, 2016 (FRIDAYJAGRAYAYANA 4, 1938 (SAKA)

## LOK SABHA UNSTARRED QUESTION No. 1806

## PMJDY Accounts

1806. SHRI DUSHYANT CHAUTALA:

SHRI P.R. SUNDARAM:

KUNWAR BHARATENDRA:

SHRI RAM MOHAN NAIDU KINJARAPU:

HEENA VIJA YKUMAR GAVIT:

DR. SHRIKANT EKNATH SHINDE:

KUNWAR SARVESH KUMAR:

SHRI RAHUL SHEWALE:

SHRI JYOTIRADITYA M. SCINDIA:

SHRI

DR. J.JAYAVARDHAN:

Will the Minister of FINANCE be pleased to state:

- (b) whether 24.43 per cent of the PMJDY accounts still have zero balance and if so, the details thereof and the reasons therefor;
- (a) the number of Pradhan Mantri Jan-Dhan Yojana (PMJDY) bank accounts opened along with total balance, bank, State-wise;
- (c) whether some banks had deposited Rs.1-2 in these accounts as were under pressure to down the number of zero balance accounts; they bring
- (e) the steps taken by the Government to bring down the zero balance in such accounts?
- (d) if so, whether the Government has sought details from Public Sector Banks (PSBs), State run banks on zero balance PMJDY bank accounts, and if so, the details and response of the banks thereto; and

## Answer

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

- (a) As on 16.11.2016, 25.58 crore accounts with aggregate  deposit of Rs.64252.15 crore have been  opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) across the country and Bank-wise and State-wise details are given in Annexure-1 and Annexure-2 respectively. Out of 25.58 crore account; 5.89 crore accounts (23.02%) are zero balance accounts. PMJDY scheme allows all account holders the benefits of zero balance accounts.
- (c) and (d) All Public Sector Banks have denied giving any instructions to deposit Rs.1 to 2 in the zero balance accounts.
- (e) Banks have been asked to ensure linkage of all PMJDY accounts with Aadhaar number in a time bound manner. PMJDY envisages channelizing all Government benefits (from Centre/State/Local body) to the beneficiaries to their accounts opened under the Yojana and thus trying to bring down the zero balance in such accounts by transferring Direct Benefit Transfer (DBT): Further usage of account also entitles the customer to avail overdraft upto Rs.5000/ as per terms and conditions and after successful operation of account

Public Sector Bank

Regional Rural Bank

(Private Banks

Grand Total

5093377.72

1093502.98

238334.901

6425215.60

## Annexure to Parliament Question No. 1806 for 25.11.2016

## No of Accounts opened under PMIDY a5 0n16.11.2016 (Summary)

No Of Accounts

203881526

43311543

8618637

255811706

## (A) Public Sector Banks

## (B) Regional Rural Bank

| Name of Bank                   | No Of Accounts                    |   Balance In Accounts(In Lacs) |
|--------------------------------|-----------------------------------|--------------------------------|
| Allahabad Bank                 | 5707501                           |               112968           |
| Andhra Bank                    | 2256957                           |                45617.6         |
| Bank of Baroda                 | 16085804                          |               513789           |
| Bank of India                  | 15137215                          |               342843           |
| Bank of Maharashtra            |                                   |                85368.8         |
| Bhartiya Mahila Bank           | 68937                             |                 2440.05        |
| Canara Bank                    | 7767229                           |               217879           |
| Central Bank of India          | 8496555                           |               177247           |
| Corporation Bank               | 2688310                           |                99692.4         |
| Dena Bank                      | 3515885                           |                67344.4         |
| IDBI Bank Ltd.                 | 1145361                           |                24881.1         |
| IIndian Bank                   | 3074657                           |                61131.3         |
| Indian Overseas Bank           | 4083702                           |                86834.1         |
| Oriental Bank of Commerce      | 3847072                           |               438447           |
| Punjab & Sind Bank             |                                   |                72423.9         |
| Punjab National Bank           | 14505341                          |               321327           |
| State Bank of Bikaner & Jaipur | 3844850                           |               151780           |
| State Bank of Hyderabad        | 2807063                           |                53276.5         |
| State Bank of India            | 72266693                          |               867864           |
| State Bank of Mysore           | 1033434                           |                16923.3         |
| State Bank of Patiala          | 1209906                           |                32777.7         |
| State Bank of Travancore       | 744645                            |                19384.6         |
| Syndicate Bank                 | 4135039                           |               153919           |
| UCO Bank                       | 7618122                           |               282483           |
| [Union Bank of India           | 6110989                           |               154941           |
| United Bank of India           | 9313017                           |               665266           |
|                                | 1456639                           |                24528.1         |
| Sub Total                      | 203881526 (B) Regional Rural Bank |                    5.09338e+06 |

Name of Bank

Allahabad Bank

Andhra Bank

Bank of Baroda

Bank of India

Bank of Maharashtra

Canara Bank

Central Bank of India

Dena Bank

Indian Bank

(Indian Overseas Bank

(Jammu & Kashmir Bank Ltd

Punjab & Sind Bank

Punjab National Bank

State Bank of Bikaner & Jaipur

State Bank of Hyderabad

State Bank of India

State Bank of Mysore

State Bank of Patiala

[Syndicate Bank

UCO Bank

Union Bank of India

United Bank of India

Sub Total

Name of Bank

Axis Bank Ltd

Union Bank Ltd

City

Federal Bank Ltd

HDFC Bank Ltd

ICICI Bank Ltd

(IndusInd Bank Ltd

Jammu & Kashmir Bank Ltd

Karur Vysya Bank Ltd

Kotak Mahindra Bank Ltd

Lakshmi Vilas Bank Ltd

Ratnakar Bank Ltd

South Indian Bank Ltd

Yes Bank Ltd

(C) Major Private Banks

Grand Total

Source: Banks

No Of Accounts

973086

169411

4883928

3475051

470588

1016541

4196943

318102

443407

939557

94761

18051

3380972

2216864

907526

7860411

364139

52790

2485883

1254651

908305

6880576

43311543

## Major Private Banks

No Of Accounts

632546

83561

464908

1719088

3143780

1280596

161930

184512

168992

95307

208317

14172

8618637

255811706

Balance In Accounts(In crore)

Balance In Accounts(In lac)

22124.43

1744.20

152875.96

50782.24

6418.30

41525.65

110622.91

15562.68

9400.68

17855.13

5337.47

48.78

119274.94

36200.94

26066.30

156010.06

2754.29

2226.94

102729.75

25.94

184413.41

1093502.98

Balance In Accounts(In crore)

23080.94

1706.59

24331.78

93230.55

15279.90

5092.32

60390.37

2918.92

3132.03

2715.71

203.31

5996.49

256.00

238334.90

6425215.60

| Annexure 2 to Parliament Question No.1806 for 25.11.2016 PMJDY statewise progress as on 16.11.2016   | Annexure 2 to Parliament Question No.1806 for 25.11.2016 PMJDY statewise progress as on 16.11.2016   | Annexure 2 to Parliament Question No.1806 for 25.11.2016 PMJDY statewise progress as on 16.11.2016   |
|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------|
| S.No State Name                                                                                      | Total No. of Accounts                                                                                | Amount (in lac)                                                                                      |
| 1ANDAMAN & NICOBAR ISLANDS                                                                           | 55113                                                                                                | 2554.23                                                                                              |
| 2 ANDHRA PRADESH                                                                                     | 7931755                                                                                              | 159688.31                                                                                            |
| 3/ARUNACHAL PRADESH                                                                                  | 186033                                                                                               | 5183.79                                                                                              |
| ASSAM                                                                                                | 9654242                                                                                              | 236502.231                                                                                           |
|                                                                                                      | 26236861                                                                                             | 491279.591                                                                                           |
|                                                                                                      | 2182661                                                                                              | 9550.25                                                                                              |
| CHHATTISGARH                                                                                         | 11874316                                                                                             | 169371.28                                                                                            |
| 8 DADRA & NAGAR HAVELI                                                                               | 64664                                                                                                | 2530.87                                                                                              |
| 9 DAMAN & DIU                                                                                        | 23251                                                                                                |                                                                                                      |
| 10 GOA                                                                                               | 141858                                                                                               | 8219.07                                                                                              |
| 11 GUJARAT                                                                                           | 8998851                                                                                              |                                                                                                      |
| 12/HARYANA                                                                                           | 54756991                                                                                             | 251165.69                                                                                            |
| 13 HIMACHAL PRADESH                                                                                  | 967714                                                                                               | 47944.17                                                                                             |
| 14 JAMMU & KASHMIR                                                                                   | 1934804                                                                                              | 86168.99                                                                                             |
| 15 JHARKHAND                                                                                         | 8648553                                                                                              | 140414.93                                                                                            |
| 16 KARNATAKA                                                                                         | 9917788                                                                                              | 240086.13                                                                                            |
|                                                                                                      | 32622581                                                                                             | 117753.42                                                                                            |
| 18 LAKSHADWEEP                                                                                       | 5244                                                                                                 | 524.19                                                                                               |
| 19 MADHYA PRADESH                                                                                    |                                                                                                      | 270081.81                                                                                            |
| 20 MAHARASHTRA                                                                                       | 15683221                                                                                             | 350048.13                                                                                            |
| 21 MANIPUR                                                                                           | 706364                                                                                               | 21128.49                                                                                             |
| 22 MEGHALAYA                                                                                         | 377157                                                                                               | 24233.34                                                                                             |
| 23 MIZORAM                                                                                           | 381008                                                                                               | 2861.65                                                                                              |
| 24 NAGALAND                                                                                          | 193878                                                                                               | 4128.02                                                                                              |
| 25 NCT OF DELHI                                                                                      | 3412223                                                                                              | 138273.61                                                                                            |
| 26 ORISSA                                                                                            | 10703947                                                                                             | 255213.02                                                                                            |
| 27IPUDUCHERRY                                                                                        | 126308                                                                                               | 4429.33                                                                                              |
| 28 PUNJAB                                                                                            | 5113523                                                                                              | 237804.37                                                                                            |
| 29 RAJASTHAN                                                                                         | 18914299                                                                                             | 534557.23                                                                                            |
| 30 SIKKIM                                                                                            | 84410                                                                                                | 3076.83                                                                                              |
| 31/TAMIL NADU                                                                                        | 8718172                                                                                              | 186376.01                                                                                            |
| 32 TELANGANA                                                                                         | 8182102                                                                                              | 135483.28                                                                                            |
| 33 TRIPURA                                                                                           | 823774                                                                                               | 54264.92]                                                                                            |
| 34 UTTAR PRADESH                                                                                     | 37924799                                                                                             | 1067062.41                                                                                           |
| 35 UTTARAKHAND                                                                                       | 2074820                                                                                              | 83640.98                                                                                             |
| 36 WEST BENGAL                                                                                       | 24443704                                                                                             | 782644.861                                                                                           |
| Grand Total                                                                                          | 255811706                                                                                            | 6425215.60                                                                                           |

Source: Banks