Lok Sabha Question No. 1192 (UNSTARRED), answered on 2023-12-11
Subject: Pradhan Mantri Jan Dhan Yojana (PMJDY)
Ministry: FINANCE
Asked by: Vinayak Bhaurao Raut, Omprakash Bhupalsinh alias Pawan Rajenimbalkar

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

## LOK SABHA UNSTARRED QUESTION NO. 1192

ANSWERED ON MONDAY, DECEMBER 11, 2023/ AGRAHAYANA 20, 1945 (SAKA)

## Pradhan Mantri Jan Dhan Yojana (PMJDY)

## 1192.   SHRI VINAYAK RAUT:

## SHRI OMPRAKASH BHUPALSINH ALIAS PAWAN RAJENIMBALKAR:

Will the Minister of FINANCE be pleased to state:

- (a) the number of years passed since the launch of Pradhan Mantri Jan Dhan Yojana (PMJDY) by the Government along with the achievements made through this scheme so far;
- (b) the present status of PMJDY in the country and way it is being implemented;
- (c) the details of the challenges being faced by the Government during its implementation;
- (d) whether the Government has achieved the objective for which PMJDY was launched and if so, the details thereof;
- (e) the percentage of women covered under this scheme in rural and semi-urban areas;
- (f) whether the Government has taken any step to include all the people of rural areas under this scheme;
- (g) the number of beneficiaries of PMJDY and the number of persons registered under the scheme in  various  districts  of  Maharashtra  including  Ratnagiri-Sindhudurg  and  Osmanabad  since  its inception; and
- (h) the steps taken by the Government to cover maximum area under the scheme?

## Answer

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

(a) to (h) The Government initiated the National Mission for Financial Inclusion (NMFI), namely, Pradhan Mantri Jan Dhan Yojana (PMJDY) in August, 2014 to provide universal banking services for every unbanked household based on the guiding principles of banking the unbanked, securing the unsecured, funding the unfunded and serving unserved and underserved areas.

In order to give impetus to financial inclusion initiatives of the Government, PMJDY scheme was extended  beyond  14.08.2018  with  the  focus  on  opening  of  accounts  shifting  from  'every household' to 'every unbanked adult'. 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, evident from the fact that a total of 51.04 crore Jan Dhan accounts have been opened till 29.11.2023 under PMJDY, with a deposit balance of Rs. 2,08,855 crore. Out of the total Jan Dhan accounts opened in Rural and Semi-urban areas, 55.8% accounts have been opened by women. As on 29.11.2023,  approximately  34.67  crore  RuPay  debit  cards  have  been  issued  to PMJDY account holders.

Further,  the  District-wise  number  of  bank  accounts  opened  under  PMJDY  in  the  state  of Maharashtra including Ratnagiri-Sindhudurg and Osmanabad districts is at Annexure.

*****

## Annexure as referred to in reply to Lok Sabha Unstarred Question No. 1192 for 11.12.2023

| S.No.   | District        | Total No of Accounts   |
|---------|-----------------|------------------------|
| 1       | AHMEDNAGAR      | 15,45,198              |
| 2       | AKOLA           | 5,85,775               |
| 3       | AMRAVATI        | 8,48,473               |
| 4       | AURANGABAD      | 14,37,955              |
| 5       | BEED            | 12,23,125              |
| 6       | BHANDARA        | 4,75,899               |
| 7       | BULDHANA        | 8,88,760               |
| 8       | CHANDRAPUR      | 6,75,964               |
| 9       | DHULE           | 7,76,151               |
| 10      | GADCHIROLI      | 3,18,919               |
| 11      | GONDIA          | 6,32,602               |
| 12      | HINGOLI         | 6,12,064               |
| 13      | JALGAON         | 14,38,128              |
| 14      | JALNA           | 8,05,164               |
| 15      | KOLHAPUR        | 13,78,423              |
| 16      | LATUR           | 8,99,512               |
| 17      | MUMBAI          | 5,74,478               |
| 18      | MUMBAI SUBURBAN | 9,19,778               |
| 19      | NAGPUR          | 12,87,628              |
| 20      | NANDED          | 14,42,012              |
| 21      | NANDURBAR       | 7,14,452               |
| 22      | NASHIK          | 21,50,234              |
| 23      | OSMANABAD       | 7,13,475               |
| 24      | PALGHAR         | 8,72,626               |
| 25      | PARBHANI        | 8,64,686               |
| 26      | PUNE            | 18,43,571              |
| 27      | RAIGAD          | 5,98,330               |
| 28      | RATNAGIRI       | 4,24,603               |
| 29      | SANGLI          | 8,83,779               |
| 30      | SATARA          | 8,29,071               |
| 31      | SINDHUDURG      | 2,21,423               |
| 32      | SOLAPUR         | 16,20,001              |
| 33      | THANE           | 14,31,623              |
| 34      | WARDHA          | 3,59,689               |
| 35      | WASHIM          | 3,99,527               |
| 36      | YAVATMAL        | 11,26,219              |
| Total   |                 | 3,38,19,317            |