Lok Sabha Question No. 1710 (UNSTARRED), answered on 2023-07-31
Subject: Pradhan Mantri Jan Dhan Yojana
Ministry: FINANCE
Asked by: Kripanath Mallah

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION No. 1710

ANSWERED ON MONDAY, JULY 31, 2023/ SRAVANA 9, 1945 (SAKA)

## Pradhan Mantri Jan Dhan Yojana

## 1710. SHRI KRIPANATH MALLAH:

Will the Minister of FINANCE be pleased to state:

- (a) the details of the main features of Pradhan Mantri Jan Dhan Yojana;
- (b) the number of beneficiaries under this scheme from Assam so far;
- (c) the  details  of  the  number  of  RuPay  cards  issued  so  far  under  this  scheme  to  the beneficiaries especially women in Assam;
- (d) the details of the response received within the country;
- (e) whether the Government has given top priority to last mile banking services under this scheme; and
- (f) if so, the details thereof and the advance steps being taken by the Government to connect remote areas with banking/digital banking?

## Answer

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

(a)   Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched in August 2014 with the aim to provide universal  banking  services  through  opening  of  zero  balance  bank  account  for  every  unbanked household, based on the guiding principles of banking the unbanked, securing the unsecured and funding the unfunded (access to credit). The main features of the scheme are as below:

- i. One Basic Savings Bank Deposit (BSBD) account to 'every unbanked adult'.
- ii. OD limit of Rs.10,000; and
- iii. Free  Rupay  debit  card  with  inbuilt  accident  insurance  cover  of  Rs.2  lakh  (Rs  1  lakh  for accounts opened before 28.08.2018).
4. (b) & (c) The number of beneficiaries and Rupay cards issued so far under PMJDY in Assam by banks, as on 12.07.2023, is as under:
5. (d): The penetration of PMJDY at national level, as on 12.07.2023, is as under-
6. (e)    and  (f):  The  last  mile  delivery  of  basic  banking  services  like  cash  deposit,  cash  withdrawal, intrabank or interbank fund transfer, balance enquiry and mini statement, etc. are being provided to the bank customers through banking outlets.  Government is monitoring the availability of banking outlets  (bank  branch  /  business  correspondent  /  Indian  Post  Payments  Bank  (IPPB)  branch)  for providing banking services within 5 km of all inhabited villages. Out of 6,01,328 mapped inhabited villages, 99.63% villages are covered by a banking outlet through 1.71 lakh Branches, 7.70 lakh BCs, and 1.44 lakh India Post Payments Banks (IPPB).

| Total number of PMJDY accounts/ Beneficiaries      | 2.25 crores   |
|----------------------------------------------------|---------------|
| Rupay Cards issued to PMJDY account holders        | 1.22 crores   |
| Rupay Cards issued to Women PMJDY account holders* | 0.68crores    |

| Number of Accounts                      | 49.49 crores       |
|-----------------------------------------|--------------------|
| Deposit in Accounts                     | Rs 2,00,958 crores |
| Number of Rupay Cards issued            | 33.75 crores       |
| Number of women beneficiaries           | 27.49 crores       |
| No of beneficiaries in Rural/Semi urban | 32.98 crores       |

Source: Banks

*****