Lok Sabha Question No. 2527 (UNSTARRED), answered on 2021-12-13
Subject: Accounts under PMJDY
Ministry: FINANCE
Asked by: Achyutananda Samanta

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

## LOK SABHA UNSTARRED QUESTION No. 2527

ANSWERED ON MONDAY, DECEMBER 13, 2021/ AGRAHAYANA 22, 1943 (SAKA)

## Accounts under PMJDY

## 2527.  SHRI ACHYUTANANDA SAMANTA

Will the Minister of FINANCE be pleased to state:

- (a)  the  details  of  the  number  of  bank  accounts  opened  and  RuPay  cards  issued  under  the Pradhan Mantri Jan Dhan Yojana (PMJDY) till date, State-wise including Odisha;
- (b)  whether  a large number of these accounts (more than 10 percent) are lying dormant or inoperative and if so, the reasons therefor, and the steps being taken by the Government to rectify this and encourage usage of bank accounts under PMJDY; and

(c) whether the beneficiaries are given access to formal credit facilities through PMJDY and if so, the details thereof and if not, the details of the steps being taken by the Government to ensure that a proper credit delivery model is in place to suit the beneficiaries?

## Answer

## The Minister of State in the Ministry of Finance (DR BHAGWAT KARAD)

- (a) As informed by banks, State-wise number of accounts opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) along with RuPay Debit Cards issued is Annexed.
- (b)  As per Reserve Bank of India (RBI) guidelines dated 18.02.2009, a savings account should be treated as inoperative/dormant if there are no transactions in the account for over a period of two years.

In this regard, RBI has advised Financial Literacy Centres (FLCs) and rural branches of banks to conduct outdoor financial literacy camps for customers in collaboration with ground level stakeholders at the District/ panchayat /village level. They also conduct specific camps for target  audience  like  farmers,  small  entrepreneurs,  Self  Help  Groups,  senior  citizens  etc. including women. The Centres for Financial Literacy project of the RBI also impart financial education among adults. In addition, banks in general organise camps, to create awareness about the banking habits including the benefits of keeping the account active.

As a result of these initiatives, the share of operative PMJDY accounts has increased from 60.38% in March'17 to 85.70% in November'21.

(c) Under PMJDY, the beneficiaries can avail overdraft facility upto Rs.10,000 after fulfillment of certain minimum conditions. In addition, they can also avail credit from banks as per the extant guidelines/policy.

*****

| Annexure as referred to in part(a) of reply to Lok Sabha Q.No. 2527 for 13.12.2021   | Annexure as referred to in part(a) of reply to Lok Sabha Q.No. 2527 for 13.12.2021   | Annexure as referred to in part(a) of reply to Lok Sabha Q.No. 2527 for 13.12.2021   | Annexure as referred to in part(a) of reply to Lok Sabha Q.No. 2527 for 13.12.2021   |
|--------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------|
| S.No                                                                                 | State/UT                                                                             | numbers Total PMJDY Accounts                                                         | lakh(as on 24.11.2021) Rupay Debit Card issued                                       |
| 1                                                                                    | Andaman &Nicobar Islands                                                             | 0.47                                                                                 | 0.39                                                                                 |
| 2                                                                                    | Andhra Pradesh                                                                       | 117.19                                                                               | 91.32                                                                                |
| 3                                                                                    | Arunachal Pradesh                                                                    | 3.73                                                                                 | 3.09                                                                                 |
| 4                                                                                    | Assam                                                                                | 199.72                                                                               | 107.05                                                                               |
| 5                                                                                    | Bihar                                                                                | 498.55                                                                               | 385.45                                                                               |
| 6                                                                                    | Chandigarh                                                                           | 2.76                                                                                 | 1.88                                                                                 |
| 7                                                                                    | Chhattisgarh                                                                         | 157.54                                                                               | 103.90                                                                               |
| 8                                                                                    | Dadra &Nagar Haveli and Daman & Diu                                                  | 2.09                                                                                 | 1.39                                                                                 |
| 9                                                                                    | Delhi                                                                                | 50.53                                                                                | 41.18                                                                                |
| 10                                                                                   | Goa                                                                                  | 1.69                                                                                 | 1.16                                                                                 |
| 11                                                                                   | Gujarat                                                                              | 165.28                                                                               | 126.67                                                                               |
| 12                                                                                   | Haryana                                                                              | 82.50                                                                                | 62.10                                                                                |
| 13                                                                                   | Himachal Pradesh                                                                     | 15.60                                                                                | 11.96                                                                                |
| 14                                                                                   | Jammu &Kashmir                                                                       | 25.26                                                                                | 18.51                                                                                |
| 15                                                                                   | Jharkhand                                                                            | 158.47                                                                               | 111.98                                                                               |
| 16                                                                                   | Karnataka                                                                            | 155.34                                                                               | 96.18                                                                                |
| 17                                                                                   | Kerala                                                                               | 48.64                                                                                | 29.29                                                                                |
| 18                                                                                   | Ladakh                                                                               | 0.21                                                                                 | 0.19                                                                                 |
| 19                                                                                   | Lakshadweep                                                                          | 0.06                                                                                 | 0.05                                                                                 |
| 20                                                                                   | Madhya Pradesh                                                                       | 364.96                                                                               | 297.02                                                                               |
| 21                                                                                   | Maharashtra                                                                          | 308.83                                                                               | 216.32                                                                               |
| 22                                                                                   | Manipur                                                                              | 10.16                                                                                | 6.79                                                                                 |
| 23                                                                                   | Meghalaya                                                                            | 6.07                                                                                 | 4.11                                                                                 |
| 24                                                                                   | Mizoram                                                                              | 3.15                                                                                 | 1.15                                                                                 |
| 25                                                                                   | Nagaland                                                                             | 3.40                                                                                 | 2.83                                                                                 |
| 26                                                                                   | Odisha                                                                               | 181.65                                                                               | 140.24                                                                               |
| 27                                                                                   | Puducherry                                                                           | 1.66                                                                                 | 1.26                                                                                 |
| 28                                                                                   | Punjab                                                                               | 75.22                                                                                | 59.54                                                                                |
| 29                                                                                   | Rajasthan                                                                            | 305.90                                                                               | 241.09                                                                               |
| 30                                                                                   | Sikkim                                                                               | 0.85                                                                                 | 0.62                                                                                 |
| 31                                                                                   | Tamil Nadu                                                                           | 114.22                                                                               | 91.53                                                                                |
| 32                                                                                   | Telangana                                                                            | 103.87                                                                               | 84.17                                                                                |
| 33                                                                                   | Tripura                                                                              | 8.42                                                                                 | 3.04                                                                                 |
| 34                                                                                   | Uttar Pradesh                                                                        | 756.69                                                                               | 539.05                                                                               |
| 35                                                                                   | Uttarakhand                                                                          | 28.23                                                                                | 21.85                                                                                |
| 36                                                                                   | West Bengal                                                                          | 435.40                                                                               | 274.39                                                                               |
|                                                                                      | Total                                                                                | 4394.31                                                                              | 3178.70                                                                              |

Source: Banks