Lok Sabha Question No. 770 (UNSTARRED), answered on 2022-12-12
Subject: PMJD Yojana
Ministry: FINANCE
Asked by: Manjulata Mandal, Gajanan Chandrakant Kirtikar, Dhanush M Kumar, C.N. Annadurai

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

## LOK SABHA UNSTARRED QUESTION No. 770

Answered on Monday, December 12, 2022/ Agrahayana 21, 1944 (Saka)

## PMJD Yojana

770. SHRIMATI MANJULATA MANDAL: SHRI GAJANAN KIRTIKAR: SHRI DHANUSH M. KUMAR: SHRI C.N. ANNADURAI:

Will the Minister of FINANCE be pleased to state:

- (a) whether the Government has successfully completed eight years of implementation of Pradhan Mantri Jan Dhan Yojana (PMJDY) and if so, the details thereof including the challenges faced by the Government while implementing it;
- (b) whether the Government has achieved the objective for which PMJDY was launched and if so, the details thereof;
- (c) the percentage of women covered under the Yojana in rural and semi-urban areas;
- (d) whether the Government has taken any step to cover all the people in rural areas under the Yojana and if so, the details and the outcome thereof;
- (e) the number of registered persons along with beneficiaries under PMJDY in different districts  of  the  country  including  districts  in  Maharashtra  and  Tamil  Nadu  since inception of the scheme; and
- (f) the steps taken by the Government for coverage of maximum area under the Yojana?

## Answer

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (DR BHAGWAT KARAD)

- (a)  to  (f)  With  a  view  to  increase  banking  penetration,  promote  financial  inclusion  and  to provide at least one bank account per household across the country, a National Mission on Financial Inclusion (FI) known as Pradhan Mantri Jan Dhan Yojana (PMJDY) was announced on 15 th August, 2014.

In  order  to  give  impetus  to  financial  inclusion  initiatives  of  the  Government,  PMJDY  was extended beyond 14.08.2018. The Scheme was made more attractive with upward revision in (i)  OD  limit  from  Rs.5,000  to  Rs.10,000  and  (ii)  accident  insurance  cover  on  RuPay  card holders  from  Rs.1  lakh  to  Rs.2  lakh.  PMJDY  has  been  successful  in  increasing  banking penetration and to promote financial inclusion across the country.

As on 30.11.2022, as informed by banks, 47.57 crore Jan Dhan accounts have been opened in the different districts of the country. Out of the total Jan Dhan accounts opened in Rural and Semi-urban areas, 55.8% accounts have been opened by women. As on 31.10.2022, districtwise  details  of  bank  accounts  in  the  state  of  Maharashtra  and  Tamil  Nadu  opened  under PMJDY is at Annexure .

PMJDY  account  can  be  opened  at  any  branch  or  banking  outlet  manned  by  business correspondent.

*****

## Annexure as referred to in part (e) of reply to the Lok Sabha question No. 770 for 12.12.2022 regarding "PMJD Yojana''

|       | District-wise PMJDY accounts as on 31.10.2022   | District-wise PMJDY accounts as on 31.10.2022   |                      |
|-------|-------------------------------------------------|-------------------------------------------------|----------------------|
| S.No. | District                                        | State                                           | Total No of Accounts |
| 1 2   | AHMEDNAGAR AKOLA                                | MAHARASHTRA MAHARASHTRA                         | 14,69,068 5,41,172   |
| 3     | AMRAVATI                                        | MAHARASHTRA                                     | 8,16,210             |
| 4     | AURANGABAD                                      | MAHARASHTRA                                     | 13,90,417            |
| 5     | BEED                                            | MAHARASHTRA                                     | 11,97,373            |
| 6     | BHANDARA                                        | MAHARASHTRA                                     | 5,25,326             |
| 7     | BULDHANA                                        | MAHARASHTRA                                     | 8,61,770             |
| 8     | CHANDRAPUR                                      | MAHARASHTRA                                     | 6,52,163             |
| 9     | DHULE                                           | MAHARASHTRA                                     | 7,95,440             |
| 10    | GADCHIROLI                                      | MAHARASHTRA                                     | 3,03,987             |
| 11    | GONDIA                                          | MAHARASHTRA                                     | 5,24,728             |
| 12    | HINGOLI                                         | MAHARASHTRA                                     | 5,61,812             |
| 13    | JALGAON                                         | MAHARASHTRA                                     | 13,57,187            |
| 14    | JALNA                                           | MAHARASHTRA                                     | 7,95,008             |
| 15    | KOLHAPUR                                        | MAHARASHTRA                                     | 12,35,395            |
| 16    | LATUR                                           | MAHARASHTRA                                     | 8,95,565             |
| 17    | MUMBAI                                          | MAHARASHTRA                                     | 6,63,358             |
| 18    | MUMBAI SUBURBAN                                 | MAHARASHTRA                                     | 7,33,067             |
| 19    | NAGPUR                                          | MAHARASHTRA                                     | 12,08,079            |
| 20    | NANDED                                          | MAHARASHTRA                                     | 14,14,611            |
| 21    | NANDURBAR                                       | MAHARASHTRA                                     | 6,06,214             |
| 22    | NASHIK                                          | MAHARASHTRA                                     | 20,97,729            |
| 23    | OSMANABAD                                       | MAHARASHTRA                                     | 6,95,213             |
| 24    | PALGHAR                                         | MAHARASHTRA                                     | 9,35,579             |
| 25    | PARBHANI                                        | MAHARASHTRA                                     | 8,29,073             |
| 26    | PUNE                                            | MAHARASHTRA                                     | 17,11,089            |
| 27    | RAIGAD                                          | MAHARASHTRA                                     | 5,19,189             |
| 28    | RATNAGIRI                                       | MAHARASHTRA                                     | 3,98,000             |
| 29    | SANGLI                                          | MAHARASHTRA                                     | 7,85,872             |
| 30    | SATARA                                          | MAHARASHTRA                                     | 7,99,823             |
| 31    | SINDHUDURG                                      | MAHARASHTRA                                     | 2,18,355             |
| 32    | SOLAPUR                                         | MAHARASHTRA                                     | 15,64,715            |
| 33    | THANE                                           | MAHARASHTRA                                     | 12,14,482            |
| 34    | WARDHA                                          | MAHARASHTRA                                     | 3,47,371             |
| 35    | WASHIM                                          | MAHARASHTRA                                     | 3,88,283             |
| 36    | YAVATMAL                                        | MAHARASHTRA                                     | 10,82,761            |
| 37    | Ariyalur                                        | TAMIL NADU                                      | 80,556               |
| 38    | CHENNAI                                         | TAMIL NADU                                      | 8,23,644             |
| 39    | COIMBATORE                                      | TAMIL NADU                                      | 7,54,224             |
| 40    | CUDDALORE                                       | TAMIL NADU                                      | 4,10,177             |
| 41    | DHARMAPURI                                      | TAMIL NADU                                      | 2,84,651             |
| 42    | DINDIGUL                                        | TAMIL NADU                                      | 4,03,752             |
| 43    | ERODE                                           | TAMIL NADU                                      | 5,10,796             |

| 44    | KANCHIPURAM     | TAMIL NADU   | 5,82,029    |
|-------|-----------------|--------------|-------------|
| 45    | KANNIYAKUMARI   | TAMIL NADU   | 3,92,710    |
| 46    | KARUR           | TAMIL NADU   | 2,32,172    |
| 47    | KRISHNAGIRI     | TAMIL NADU   | 3,12,125    |
| 48    | MADURAI         | TAMIL NADU   | 5,19,132    |
| 49    | NAGAPATTINAM    | TAMIL NADU   | 2,80,439    |
| 50    | NAMAKKAL        | TAMIL NADU   | 3,95,871    |
| 51    | PERAMBALUR      | TAMIL NADU   | 93,726      |
| 52    | PUDUKKOTTAI     | TAMIL NADU   | 2,67,611    |
| 53    | RAMANATHAPURAM  | TAMIL NADU   | 2,31,262    |
| 54    | SALEM           | TAMIL NADU   | 8,47,222    |
| 55    | SIVAGANGA       | TAMIL NADU   | 2,50,695    |
| 56    | THANJAVUR       | TAMIL NADU   | 4,16,496    |
| 57    | THE NILGIRIS    | TAMIL NADU   | 1,32,530    |
| 58    | THENI           | TAMIL NADU   | 2,35,955    |
| 59    | THIRUVALLUR     | TAMIL NADU   | 5,51,420    |
| 60    | THIRUVARUR      | TAMIL NADU   | 2,27,856    |
| 61    | TIRUCHIRAPPALLI | TAMIL NADU   | 4,62,653    |
| 62    | TIRUNELVELI     | TAMIL NADU   | 5,48,071    |
| 63    | TIRUPPUR        | TAMIL NADU   | 5,14,070    |
| 64    | TIRUVANNAMALAI  | TAMIL NADU   | 3,88,912    |
| 65    | TUTICORIN       | TAMIL NADU   | 2,49,799    |
| 66    | VELLORE         | TAMIL NADU   | 8,01,109    |
| 67    | VILLUPURAM      | TAMIL NADU   | 6,29,608    |
| 68    | VIRUDHUNAGAR    | TAMIL NADU   | 3,64,028    |
| Total | Total           | Total        | 4,53,30,785 |

Source: Banks