Lok Sabha Question No. 1699 (UNSTARRED), answered on 2020-03-02
Subject: PMJD Accounts
Ministry: FINANCE
Asked by: Jyotirmay Singh Mahato

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

## LOK SABHA UN-STARRED QUESTION No.1699 ANSWERED ON 2 nd March, 2020 (MONDAY) / PHALGUNA 12, 1941 (SAKA) 'PMJD Accounts'

## 1699. SHRI JYOTIRMAY SINGH MAHATO:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the month-wise ratio of total households who opened their bank account under Pradhan Mantri Jan Dhan (PMJD) Yojana since its inception in the country, State-wise including West Bengal;
- (b) the number of households not having bank accounts along with their ratio, State-wise;
- (c) the steps taken by the Government to give advices to new account holders regarding financial safety measures like not sharing their debit card details with anyone;
- (d) the steps taken by the Government to ensure availability of bank documents and other necessary formalities not only in English language but in other local languages also; and
- (e) the steps taken by the Government to ensure availability of bank documents to illiterate persons?

## Answer

The Minister of State in the Ministry of Finance (SHRI ANURAG SINGH THAKUR)

- (a) and (b): The details of the month-wise ratio of total households who opened their bank account under Pradhan Mantri Jan Dhan Yojana (PMJDY) and the number of households not having bank accounts along with their ratio are not maintained centrally. As reported by banks, 38.13 crore bank accounts have been opened under PMJDY as on 19.02.2020. State-wise number of accounts opened under PMJDY as on 19.02.2020 is at Annexure.
- (c) As informed by banks, safety measures like not sharing the debit card details with anyone is incorporated in the Debit Card User Guide provided to the customers at the time of issue of Debit Cards. At the time of handing over of the debit card, customers are educated for the safety measures like not sharing critical information to anyone. Such information is also sent through periodic SMSs to registered mobile numbers of card holders.

Further, as per Reserve Bank of India's (RBI's) Master Circular on 'Customer Service in Banks' dated 01.07.2015 while opening the Basic Savings Bank Deposit Accounts (BSBDA), which include PMJDY accounts, banks educate such customers about the ATM Debit Card, ATM PIN and risk associated with it.

For the purpose of creating awareness, RBI conducts Electronics Banking Awareness And Training (e-BAAT) programs at various locations wherein audience is sensitised about safe digital payments. Also, a campaign named 'RBI Kehta Hai' is being undertaken through print and electronic media to create awareness in this regard.

(d) As per RBI's Master Circular on 'Customer Service in Banks' dated July 1, 2015 banks make available all printed material used by retail customers including account opening forms, pay-inslips, passbooks, etc., in trilingual form i.e., English, Hindi and the concerned Regional Language.

(e) As apprised by banks, necessary hand holding support is provided by branches to provide banking services/ documents to illiterate persons.

*******

| State-wise S.No   | number of accounts opened under State / Union Territory Name   | Mantri Jan Dhan Yojana (PMJDY) as on 19.02.2020 Number of accounts opened under PMJDY   |
|-------------------|----------------------------------------------------------------|-----------------------------------------------------------------------------------------|
| 1                 | Andaman &Nicobar Islands                                       | 49,248                                                                                  |
| 2                 | Andhra Pradesh                                                 | 10,435,566                                                                              |
| 3                 | Arunachal Pradesh                                              | 334,882                                                                                 |
| 4                 | Assam                                                          | 16,265,622                                                                              |
| 5                 | Bihar                                                          | 43,534,962                                                                              |
| 6                 | Chandigarh                                                     | 253,317                                                                                 |
| 7                 | Chhattisgarh                                                   | 14,723,322                                                                              |
| 8                 | Dadra &Nagar Haveli                                            | 128,643                                                                                 |
| 9                 | Daman &Diu                                                     | 56,076                                                                                  |
| 10                | Delhi                                                          | 4,569,881                                                                               |
| 11                | Goa                                                            | 167,297                                                                                 |
| 12                | Gujarat                                                        | 15,260,903                                                                              |
| 13                | Haryana                                                        | 7,431,211                                                                               |
| 14                | Himachal Pradesh                                               | 1,296,155                                                                               |
| 15                | Jammu &Kashmir                                                 | 2,132,626                                                                               |
| 16                | Jharkhand                                                      | 13,308,257                                                                              |
| 17                | Karnataka                                                      | 14,853,508                                                                              |
| 18                | Kerala                                                         | 4,307,242                                                                               |
| 19                | Ladakh                                                         | 18,922                                                                                  |
| 20                | Lakshadweep                                                    | 5,545                                                                                   |
| 21                | Madhya Pradesh                                                 | 32,536,669                                                                              |
| 22                | Maharashtra                                                    | 26,914,555                                                                              |
| 23                | Manipur                                                        | 955,196                                                                                 |
| 24                | Meghalaya                                                      | 474,979                                                                                 |
| 25                | Mizoram                                                        | 310,737                                                                                 |
| 26                | Nagaland                                                       | 305,319                                                                                 |
| 27                | Odisha                                                         | 15,643,086                                                                              |
| 28                | Puducherry                                                     | 158,643                                                                                 |
| 30                | Rajasthan                                                      | 26,775,451                                                                              |
| 31                | Sikkim                                                         | 93,544                                                                                  |
| 32 33             | Tamil Nadu Telangana                                           | 10,665,017                                                                              |
|                   |                                                                | 9,703,033                                                                               |
| 34                | Tripura Uttar                                                  | 884,728                                                                                 |
| 35                | Pradesh                                                        | 60,973,148                                                                              |
| 36                | Uttarakhand                                                    | 2,559,499                                                                               |
| 38                | Total                                                          | 381,333,392                                                                             |