Lok Sabha Question No. 31 (UNSTARRED), answered on 2025-02-03
Subject: Overdraft Facility to Beneficiaries of PMJDY
Ministry: FINANCE
Asked by: Smt. Delkar Kalaben Mohanbhai, Shri Bhumare Sandipanrao Asaram, Shri Gyaneshwar Patil

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

## LOK SABHA UNSTARRED QUESTION NO. 31

ANSWERED ON MONDAY, FEBRUARY 3, 2025/MAGHA 14, 1946 (SAKA)

## Overdraft Facility to Beneficiaries of PMJDY

31. Smt. Delkar Kalaben Mohanbhai:

Shri Gyaneshwar Patil:

Shri Bhumare Sandipanrao Asaram:

Will the Minister of FINANCE be pleased to state:

- (a) the total number of beneficiaries under Pradhan Mantri Jan Dhan Yojana (PMJDY) across the country;
- (b) the details of beneficiaries of PMJDY in Dadra and Nagar Haveli, Madhya Pradesh and Sambhaji Nagar district of Maharashtra;
- (c) whether overdraft facilities is being provided to the beneficiaries under the said scheme; and
- (d)  the  amount  of  accident  insurance  coverage  provided  under  the  said  scheme  along  with  the  details thereof?

## ANSWER

## The Minister of State in the Ministry of Finance (SHRI PANKAJ CHAUDHARY)

- (a) The total number of beneficiaries under PMJDY across the country, as on 15.01.2025, is 54.57 crore.
- (b) The total number of beneficiaries under PMJDY, as on 15.01.2025, is as under:

(in lakhs)

| Dadra and Nagar Haveli      |   1.69 |
|-----------------------------|--------|
| Madhya Pradesh              | 447.1  |
| Sambhaji Nagar (Aurangabad) |  15.43 |

- (c) Under PMJDY, an overdraft facility upto ₹10,000 can be availed by the eligible PMJDY beneficiaries.
- (d) Under PMJDY, a free RuPay debit card with an inbuilt accident insurance cover of upto ₹2 lakh (₹1 lakh for account opened before 28.08.2018) is provided to the account holders.

The benefits of insurance are available to the cardholders who have performed minimum one successful financial or non-financial transaction using RuPay debit card at any channel (ATM / Micro ATM / ecommerce / POS etc.) within 90 days prior to the date of accident, including the accident date.

| Number of Rupay Card Accident Insurance Claims till date (as on 17.01.2025)   | Number of Rupay Card Accident Insurance Claims till date (as on 17.01.2025)   |
|-------------------------------------------------------------------------------|-------------------------------------------------------------------------------|
| Claims received                                                               | 13,474                                                                        |
| Claims settled                                                                | 9,309                                                                         |
| Claims rejected                                                               | 4,073                                                                         |
| Claims under process                                                          | 92                                                                            |
| Claims amount paid (in Rs. Crore)                                             | 103.30                                                                        |