Lok Sabha Question No. 205 (STARRED), answered on 2023-12-18
Subject: Pradhan Mantri Jan Dhan Yojana (PMJDY)
Ministry: FINANCE
Asked by: Jayadev Galla

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

## LOK SABHA

## STARRED QUESTION NO.  *205

ANSWERED ON MONDAY, DECEMBER 18, 2023 / AGRAHAYANA 27, 1945 (SAKA)

Pradhan Mantri Jan Dhan Yojana (PMJDY)

## *205. SHRI JAYADEV GALLA:

Will the Minister of FINANCE be pleased to state:

- (a) the details of total number of beneficiaries under the Pradhan Mantri Jan Dhan Yojana, State and year-wise;
- (b) the budgetary allocation for the Pradhan Mantri Jan Dhan Yojana, year-wise;
- (c) the number of SCs, STs and OBCs that have opened bank accounts under the scheme, State and year-wise;
- (d) whether accidental insurance cover is provided for Jan Dhan account holders;
- (e) if so, the details of the insurance claims that have been received by the Government since the inception of the scheme, year-wise;
- (f) the number of claims that have been settled by the Government, year-wise;
- (g) the number of OBCs, SCs and STs who have applied for insurance claims; and
- (h) the number of OBCs, SCs and STs whose claims have been settled?

## ANSWER

## THE FINANCE MINISTER

(Smt. Nirmala Sitharaman)

- (a) to (h) A Statement is laid on the Table of the House.

## 5 th  POSITION

Statement referred to in reply to Lok Sabha Starred Question No. *205 for 18.12.2023 by Shri Jayadev Galla, MP, Regarding 'Pradhan Mantri Jan Dhan Yojana (PMJDY) '.

(a) to (h) Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched in August 2014, with the aim to provide universal banking services for every unbanked household. The scheme was extended further beyond 14.08.2018 with the focus on opening of accounts shifting from 'every household' to 'every unbanked adult'. The number of beneficiaries under PMJDY since its inception, State and year-wise is Annexed. There has been no budgetary allocation for the PMJDY and Category wise data under PMJDY is also not maintained.

Further, under PMJDY, RuPay debit card with inbuilt accident insurance cover of Rs. 2 lakh is provided to account holders. The benefits of insurance will be 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 / e-commerce / POS etc.) within 90 days prior to date of accident including accident date. The details of insurance claims received along with the claims settled since the inception of Scheme is as under:

| Year                    |   Claims Received |   Claims Paid |   Claims Rejected |   Claims in Process |   Amount paid (in Rs. Crore) |
|-------------------------|-------------------|---------------|-------------------|---------------------|------------------------------|
| 2014-15                 |               416 |           237 |               179 |                   0 |                         2.37 |
| 2015-16                 |               915 |           545 |               370 |                   0 |                         6.62 |
| 2016-17                 |              1356 |           927 |               429 |                   0 |                        10.58 |
| 2017-18                 |              2071 |          1580 |               491 |                   0 |                        16.96 |
| 2018-19                 |              3531 |          2437 |              1094 |                   0 |                        27.24 |
| 2019-20                 |              3261 |          1859 |              1402 |                   0 |                        19.01 |
| 2020-21                 |               344 |           171 |               173 |                   0 |                         2.6  |
| 2021-22                 |               374 |           200 |               174 |                   0 |                         3.13 |
| 2022-23                 |               524 |           379 |                10 |                 135 |                         5.44 |
| 2023 (up to 07.12.2023) |               163 |           101 |                 6 |                  56 |                         1.46 |
| Total                   |             12539 |          8199 |              4149 |                 191 |                        93.05 |

Source: National Payments Corporation of India

|   S No. | State/UT                           |   As on 06.12.23 |   Mar-23 |   Mar-22 |   Mar-21 |   Mar-20 | Mar-19   | Mar-18   | Mar-17   | Mar-16   | Mar-15   |
|---------|------------------------------------|------------------|----------|----------|----------|----------|----------|----------|----------|----------|----------|
|       1 | Andaman & Nicobar Islands          |             0.61 |     0.48 |     0.46 |     0.47 |     0.49 | 0.50     | 0.54     | 0.54     | 0.53     | 0.48     |
|       2 | Andhra Pradesh                     |           146.83 |   130.84 |   117.1  |   116.71 |   104.52 | 97.38    | 90.39    | 87.19    | 73.37    | 59.73    |
|       3 | Arunachal Pradesh                  |             4.51 |     4.08 |     3.77 |     3.55 |     3.38 | 2.83     | 2.52     | 2.06     | 1.29     | 0.93     |
|       4 | Assam                              |           231.1  |   221.55 |   203.4  |   186.16 |   163.56 | 148.88   | 127.51   | 116.35   | 72.46    | 43.98    |
|       5 | Bihar                              |           572.27 |   546.72 |   510.15 |   483.92 |   439.04 | 397.19   | 339.10   | 286.34   | 197.03   | 104.53   |
|       6 | Chandigarh                         |             3.22 |     3.06 |     2.82 |     2.65 |     2.54 | 2.44     | 2.48     | 2.21     | 2.18     | 1.80     |
|       7 | Chhattisgarh                       |           171.5  |   167.07 |   159.63 |   153.37 |   147.64 | 140.53   | 130.56   | 123.35   | 97.42    | 67.10    |
|       8 | Dadra &Nagar Haveli and Daman &Diu |             2.3  |     2.23 |     2.12 |     2.06 |     1.85 | 1.64     | 1.35     | 1.07     | 0.81     | 0.58     |
|       9 | Delhi                              |            61.23 |    57.98 |    53.34 |    48.16 |    45.88 | 43.29    | 40.52    | 36.32    | 30.23    | 24.60    |
|      10 | Goa                                |             2.04 |     1.92 |     1.7  |     1.7  |     1.68 | 1.59     | 1.48     | 1.41     | 1.32     | 1.07     |
|      11 | Gujarat                            |           182.57 |   176.71 |   168.31 |   160.59 |   153.21 | 137.31   | 119.47   | 105.32   | 77.87    | 57.19    |
|      12 | Haryana                            |            96.31 |    91.39 |    84.99 |    79.05 |    74.94 | 70.68    | 65.02    | 59.53    | 51.74    | 41.65    |
|      13 | Himachal Pradesh                   |            18.56 |    17.27 |    16.03 |    15.06 |    13.07 | 11.68    | 9.93     | 9.30     | 8.78     | 6.83     |
|      14 | Jammu& Kashmir                     |            27.43 |    26.38 |    25.7  |    24.67 |    21.45 | 21.03    | 19.51    | 21.55    | 17.08    | 14.40    |
|      15 | Jharkhand                          |           182.03 |   174.08 |   162.22 |   154.71 |   133.97 | 123.51   | 112.04   | 97.62    | 61.82    | 32.76    |
|      16 | Karnataka                          |           187.7  |   177.72 |   160.19 |   152.44 |   148.76 | 139.22   | 117.73   | 106.17   | 91.80    | 73.11    |
|      17 | Kerala                             |            61.01 |    55.31 |    49.05 |    47.35 |    43.09 | 38.34    | 35.80    | 32.34    | 27.29    | 18.91    |
|      18 | Ladakh                             |             0.22 |     0.21 |     0.21 |     0.21 |     0.19 | -        | -        | -        | -        | -        |
|      19 | Lakshadweep                        |             0.1  |     0.1  |     0.08 |     0.06 |     0.06 | 0.05     | 0.05     | 0.05     | 0.05     | 0.05     |

| S No.   | State/UT       |   As on 06.12.23 |   Mar-23 |   Mar-22 |   Mar-21 |   Mar-20 |   Mar-19 |   Mar-18 |   Mar-17 |   Mar-16 |   Mar-15 |
|---------|----------------|------------------|----------|----------|----------|----------|----------|----------|----------|----------|----------|
| 20      | Madhya Pradesh |           427.92 |   404.2  |   372.34 |   353.97 |   326.23 |   306.19 |   273.18 |   250.57 |   186.18 |   118.52 |
| 21      | Maharashtra    |           338.55 |   324.05 |   313.91 |   299.69 |   270.23 |   247.76 |   221.53 |   189.71 |   138.24 |    99.68 |
| 22      | Manipur        |            10.68 |    10.62 |    10.21 |    10.22 |     9.65 |     8.98 |     7.94 |     7.15 |     5.93 |     4.44 |
| 23      | Meghalaya      |             7.52 |     6.7  |     6.19 |     5.93 |     4.78 |     4.72 |     4.17 |     3.94 |     2.55 |     1.65 |
| 24      | Mizoram        |             3.74 |     3.29 |     3.15 |     3.21 |     3.11 |     2.99 |     2.68 |     2.8  |     1.62 |     0.8  |
| 25      | Nagaland       |             3.84 |     3.67 |     3.45 |     3.28 |     3.08 |     2.63 |     2.18 |     2.03 |     1.59 |     1.33 |
| 26      | Odisha         |           208.52 |   199.85 |   185.41 |   173.17 |   157.36 |   140.63 |   124.3  |   112.28 |    82.22 |    52.08 |
| 27      | Puducherry     |             2.1  |     1.89 |     1.64 |     1.65 |     1.59 |     1.5  |     1.45 |     1.25 |     1.15 |     0.92 |
| 28      | Punjab         |            88.32 |    84.52 |    77.34 |    73.33 |    69.5  |    66.68 |    60.9  |    53.4  |    47.99 |    38.88 |
| 29      | Rajasthan      |           345.82 |   333.21 |   313.77 |   292.81 |   269.01 |   249.46 |   243.24 |   193.69 |   168    |   101.03 |
| 30      | Sikkim         |             0.89 |     0.88 |     0.86 |     0.87 |     0.93 |     0.93 |     0.9  |     0.86 |     0.75 |     0.62 |
| 31      | Tamil Nadu     |           151.54 |   137.73 |   115.95 |   111.53 |   107.13 |   100.25 |    89.82 |    86.88 |    79.87 |    61.82 |
| 32      | Telangana      |           115.18 |   111.05 |   104.35 |   103.79 |    96.53 |    95.43 |    89.9  |    87.55 |    79.15 |    65.33 |
| 33      | Tripura        |            10.08 |     9.56 |     8.55 |     9.11 |     8.89 |     8.72 |     8.29 |     7.84 |     7.01 |     4.51 |
| 34      | Uttar Pradesh  |           911.49 |   866.99 |   792.69 |   713.35 |   613.31 |   548.44 |   475.62 |   437.35 |   321.01 |   228.72 |
| 35      | Uttarakhand    |            35.16 |    32.5  |    29.06 |    27.29 |    25.69 |    24.33 |    22.01 |    21.9  |    18.2  |    14.15 |
| 36      | West Bengal    |           497.93 |   479.56 |   445.99 |   403.97 |   366.46 |   338.9  |   300.26 |   268.84 |   188.22 |   109.52 |
|         | Country        |          5110.86 |  4865.36 |  4506.15 |  4220.06 |  3832.8  |  3526.62 |  3144.39 |  2816.78 |  2142.75 |  1453.68 |

Source: Banks