Lok Sabha Question No. 66 (STARRED), answered on 2015-07-24
Subject: Pradhan Mantri Jan Dhan Yojana
Ministry: FINANCE
Asked by: PARESH RAWAL, HARISHCHANDRA DEORAM CHAVAN

**6** **th** **Position**

GOVERNMENT  OF  INDIA

MINISTRY OF FINANCE

DEPARTMENT OF FINANCIAL SERVICES

**LOK  SABHA**

**STARRED QUESTION  No.  * 66**

TO BE ANSWERED ON  24 TH JULY, 2015  (FRIDAY)/SHRAVANA  2, 1937 (SAKA)

**Pradhan  Mantri  Jan  Dhan  Yojana**

**Question**

*** 66.  SHRI  PARESH  RAVAL:**

**SHRI HARISHCHANDRA  CHAVAN** :

Will the Minister of FINANCE be pleased to state:

1. the  total  number  of  saving accounts opened under the Pradhan  Mantri Jan Dhan Yojana (PMJDY),  State and  bank-wise  including  Gujarat;
2. whether PMJDY has achieved its objectives,  if so,  the details  thereof including  the  targets fixed and  achievement  made by  public/private  sector  banks,  bank-wise  along with  the monetary  benefits  given  to  account-holders, State/UT-wise;
3. whether  the  instances  of  opening of  duplicate  bank  accounts  under  PMJDY to  avail insurance  benefit have come  to  notice of  the  Government, if  so,  the  number  of  such  cases  reported and  the  corrective  measures  taken  in  this  regard;
4. whether  the  Government proposes  to  issue  debit/credit  cards to the  beneficiaries  of  PMJDY  account holders  and  if  so,  the  details  thereof;  and
5. the steps  taken/being  taken by  the  Government  to  bring  more  households including  migrant   workers and illiterate people under  the  said  scheme  in the country?

**Answer**

**THE   FINANCE  MINISTER**

**(SHRI  ARUN  JAITLEY)**

1. to (e)  A  Statement  is  laid  on  the  Table  of  the  House.

***********

**Statement referred  to  in  reply  to  parts (a) to (e)  of  Lok  Sabha  Starred Question  No. * 66 (6** **th** **Position)  for  24** **th** **July, 2015  by  Shri  Paresh  Raval  and  Shri  Harishchandra  Chavan  regarding  Pradhan  Mantri Jan Dhan Yojana.**

1. Total  number  of  accounts  opened  under  PMJDY  as  on  08.07.2015,  State  and  bank-wise  including  Gujarat  is  given  in  Annexure - 1  and  Annexure - 2  respectively.

1. Under  the  Yojana,  banks  were given  target  to   carry out  surveys in  allocated  Sub Service  Areas (SSAs) in  rural  areas  and  Wards  in  urban areas  and  to  open  accounts  of  all  uncovered  households  by  26.01.2015.    All  the  States/ Union  Territories  in  the  country  were  mapped  into  2,26,197 Sub Service Areas (in  rural  areas)  and  Wards  (in urban  areas).    Surveys by  banks   showed  that  99.9%  households out  of  the  21.22 crore  surveyed  households  were  covered  under  the  Yojana.     The  account  opening  is  still  continuing.  16.73  crore accounts have  been  opened  as  on  08.07.2015.      As  on  10.07.2015,  191  claims  have  been  settled  under  Accidental Insurance  Cover  of  Rs.1 lakh  and  560  claims have been  settled for Life  Cover  of  Rs.30,000/-  in  respect  of  beneficiaries  who  opened  their  account for  the  first  time  from  15.08.2014  to  26.01.2015.   Overdraft  facility  of  upto  Rs.5000/- has  also  been  availed by  0.78  lakh  account-holders  by  10.07.2015  with  aggregate  amount  of  Rs.1624.17  lakh.

1. In  April 2015  it  was  estimated  by PSBs, RRBs  and  major  Private  Sector  Banks   that  3.62 lakh  accounts  were  multiple  accounts  within  the  same  bank.   Under  the  Yojana  due  care  is  taken  to  ensure  that  the  insurance  claim  (Life  and  Accident  cover)  is  given  to  genuine  beneficiaries.

1. Under  the  Yojana,  beneficiaries  are  issued a  RuPay  Debit  Card  having  inbuilt  accident  insurance  cover  of  Rs.1.00 lakh  subject  to certain  conditions  of  usage.     As on 08.07.2015,  14.87  crore RuPay  Cards  have  been  issued  to  the  PMJDY beneficiaries.

1. Since  migrant  workers often  face  difficulties  while  submitting  a  proof  of  current  address  for opening  a  bank  account,  as  per  RBI  guidelines,  such  customers  can  submit  only  one  proof  of  address  (either  current  or permanent)  while  opening  a  bank  account  or  while  undergoing  periodic  updation.   If  the  current  address  is  different  from  the  address  mentioned  on the  proof of  address  submitted   by  the  customer,  a  simple  declaration by  her/him  about  her/his   current  address  is  sufficient.

In  order  to  ensure accounts  opening  by  those  who  do  not  have  Officially  Valid  Documents, the  Know Your  Customer  (KYC)  norms have  been  simplified  by  Reserve  Bank  of  India (RBI) to  open  “Small  Account”  on  the  basis  of a  self-attested  photograph  and  putting  his/her  signatures  or  thumb  print  in  the  presence  of  an official  of  the  bank.   These  accounts  are  valid  normally  for  a  period  of  twelve  months.  Thereafter,  such  accounts  would be  allowed  to  continue  for  a  further  period  of  twelve  more  months, if  the  account-holder  provides  a  document  showing  that   he/she  has  applied for  any of  the  Officially  Valid  Document, within  12  months  of  opening  the  small  account.

***********

| **ANNEXURE - 1**                                                                                                                                                                                                                                                       |                           |                                |                                      |                                     |        |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------|--------------------------------|--------------------------------------|-------------------------------------|--------|
| <!-- image -->  <!-- image -->  <!-- image -->  <!-- image -->  <!-- image -->  <!-- image -->  **Lok Sabha  Starred Question  No. 66  for  24.07.2015  raised  by  Shri  Paresh  Raval  and  Shri  Harishchandra  Chavan  regarding  Pradhan Mantri Jan-Dhan Yojana** |                           |                                |                                      |                                     |        |
| **Accounts opened  under  PMJDY as  on  08.07.2015 - State-wise**                                                                                                                                                                                                      |                           |                                |                                      |                                     |        |
| **S.No**                                                                                                                                                                                                                                                               | **State Name**            |                                | **Number  of  Accounts  (in  lacs)** |                                     |        |
| 1                                                                                                                                                                                                                                                                      | ANDAMAN & NICOBAR ISLANDS | ANDAMAN & NICOBAR ISLANDS      | 0.51                                 | 0.51                                | 0.51   |
| 2                                                                                                                                                                                                                                                                      | ANDHRA PRADESH            | ANDHRA PRADESH                 | 65.57                                | 65.57                               | 65.57  |
| 3                                                                                                                                                                                                                                                                      | ARUNACHAL PRADESH         | ARUNACHAL PRADESH              | 1.02                                 | 1.02                                | 1.02   |
| 4                                                                                                                                                                                                                                                                      | ASSAM                     | ASSAM                          | 49.81                                | 49.81                               | 49.81  |
| 5                                                                                                                                                                                                                                                                      | BIHAR                     | BIHAR                          | 127.26                               | 127.26                              | 127.26 |
| 6                                                                                                                                                                                                                                                                      | CHANDIGARH                | CHANDIGARH                     | 1.96                                 | 1.96                                | 1.96   |
| 7                                                                                                                                                                                                                                                                      | CHHATTISGARH              | CHHATTISGARH                   | 75.82                                | 75.82                               | 75.82  |
| 8                                                                                                                                                                                                                                                                      | DADRA & NAGAR HAVELI      | DADRA & NAGAR HAVELI           | 0.46                                 | 0.46                                | 0.46   |
| 9                                                                                                                                                                                                                                                                      | DAMAN & DIU               | DAMAN & DIU                    | 0.19                                 | 0.19                                | 0.19   |
| 10                                                                                                                                                                                                                                                                     | GOA                       | GOA                            | 1.14                                 | 1.14                                | 1.14   |
| 11                                                                                                                                                                                                                                                                     | GUJARAT                   | GUJARAT                        | 64.19                                | 64.19                               | 64.19  |
| 12                                                                                                                                                                                                                                                                     | HARYANA                   | HARYANA                        | 46.25                                | 46.25                               | 46.25  |
| 13                                                                                                                                                                                                                                                                     | HIMACHAL PRADESH          | HIMACHAL PRADESH               | 7.53                                 | 7.53                                | 7.53   |
| 14                                                                                                                                                                                                                                                                     | JAMMU & KASHMIR           | JAMMU & KASHMIR                | 15.94                                | 15.94                               | 15.94  |
| 15                                                                                                                                                                                                                                                                     | JHARKHAND                 | JHARKHAND                      | 38.53                                | 38.53                               | 38.53  |
| 16                                                                                                                                                                                                                                                                     | KARNATAKA                 | KARNATAKA                      | 78.22                                | 78.22                               | 78.22  |
| 17                                                                                                                                                                                                                                                                     | KERALA                    | KERALA                         | 20.59                                | 20.59                               | 20.59  |
| 18                                                                                                                                                                                                                                                                     | LAKSHADWEEP               | LAKSHADWEEP                    | 0.05                                 | 0.05                                | 0.05   |
| 19                                                                                                                                                                                                                                                                     | MADHYA PRADESH            | MADHYA PRADESH                 | 137.81                               | 137.81                              | 137.81 |
| 20                                                                                                                                                                                                                                                                     | MAHARASHTRA               | MAHARASHTRA                    | 109.94                               | 109.94                              | 109.94 |
| 21                                                                                                                                                                                                                                                                     | MANIPUR                   | MANIPUR                        | 4.98                                 | 4.98                                | 4.98   |
| 22                                                                                                                                                                                                                                                                     | MEGHALAYA                 | MEGHALAYA                      | 1.92                                 | 1.92                                | 1.92   |
| 23                                                                                                                                                                                                                                                                     | MIZORAM                   | MIZORAM                        | 1.06                                 | 1.06                                | 1.06   |
| 24                                                                                                                                                                                                                                                                     | NAGALAND                  | NAGALAND                       | 1.46                                 | 1.46                                | 1.46   |
| 25                                                                                                                                                                                                                                                                     | NCT OF DELHI              | NCT OF DELHI                   | 26.46                                | 26.46                               | 26.46  |
| 26                                                                                                                                                                                                                                                                     | ORISSA                    | ORISSA                         | 62.88                                | 62.88                               | 62.88  |
| 27                                                                                                                                                                                                                                                                     | PUDUCHERRY                | PUDUCHERRY                     | 0.99                                 | 0.99                                | 0.99   |
| 28                                                                                                                                                                                                                                                                     | PUNJAB                    | PUNJAB                         | 42.30                                | 42.30                               | 42.30  |
| 29                                                                                                                                                                                                                                                                     | RAJASTHAN                 | RAJASTHAN                      | 123.34                               | 123.34                              | 123.34 |
| 30                                                                                                                                                                                                                                                                     | SIKKIM                    | SIKKIM                         | 0.68                                 | 0.68                                | 0.68   |
| 31                                                                                                                                                                                                                                                                     | TAMIL NADU                | TAMIL NADU                     | 68.46                                | 68.46                               | 68.46  |
| 32                                                                                                                                                                                                                                                                     | TELANGANA                 | TELANGANA                      | 70.63                                | 70.63                               | 70.63  |
| 33                                                                                                                                                                                                                                                                     | TRIPURA                   | TRIPURA                        | 5.47                                 | 5.47                                | 5.47   |
| 34                                                                                                                                                                                                                                                                     | UTTAR PRADESH             | UTTAR PRADESH                  | 267.71                               | 267.71                              | 267.71 |
| 35                                                                                                                                                                                                                                                                     | UTTARAKHAND               | UTTARAKHAND                    | 15.41                                | 15.41                               | 15.41  |
| 36                                                                                                                                                                                                                                                                     | WEST BENGAL               | WEST BENGAL                    | 136.58                               | 136.58                              | 136.58 |
|                                                                                                                                                                                                                                                                        | **Grand Total**           |                                | **1673.12**                          |                                     |        |
| <!-- image -->  Source: Banks                                                                                                                                                                                                                                          |                           |                                |                                      |                                     |        |
| **ANNEXURE - 2**                                                                                                                                                                                                                                                       |                           |                                |                                      |                                     |        |
| <!-- image -->  <!-- image -->  <!-- image -->  **Lok Sabha  Starred Question  No.66  for  24.07.2015  raised  by  Shri  Paresh  Raval  and  Shri  Harishchandra  Chavan  regarding  Pradhan Mantri Jan-Dhan Yojana.**                                                 |                           |                                |                                      |                                     |        |
| **Accounts  opened  under  PMJDY  as  on  08.07.2015 - Bank-wise**                                                                                                                                                                                                     |                           |                                |                                      |                                     |        |
| **S.No**                                                                                                                                                                                                                                                               |                           | **Name  of  the  Bank**        |                                      | **No. of  Accounts      (in lacs)** |        |
| 1                                                                                                                                                                                                                                                                      | 1                         | Allahabad Bank                 | Allahabad Bank                       | 39.30                               |        |
| 2                                                                                                                                                                                                                                                                      | 2                         | Andhra Bank                    | Andhra Bank                          | 20.56                               |        |
| 3                                                                                                                                                                                                                                                                      | 3                         | Axis Bank Ltd                  | Axis Bank Ltd                        | 5.04                                |        |
| 4                                                                                                                                                                                                                                                                      | 4                         | Bank of Baroda                 | Bank of Baroda                       | 121.52                              |        |
| 5                                                                                                                                                                                                                                                                      | 5                         | Bank of India                  | Bank of India                        | 101.49                              |        |
| 6                                                                                                                                                                                                                                                                      | 6                         | Bank of Maharashtra            | Bank of Maharashtra                  | 23.54                               |        |
| 7                                                                                                                                                                                                                                                                      | 7                         | Bhartiya Mahila Bank           | Bhartiya Mahila Bank                 | 0.63                                |        |
| 8                                                                                                                                                                                                                                                                      | 8                         | Canara Bank                    | Canara Bank                          | 69.79                               |        |
| 9                                                                                                                                                                                                                                                                      | 9                         | Central Bank of India          | Central Bank of India                | 102.06                              |        |
| 10                                                                                                                                                                                                                                                                     | 10                        | City Union Bank Ltd            | City Union Bank Ltd                  | 0.77                                |        |
| 11                                                                                                                                                                                                                                                                     | 11                        | Corporation Bank               | Corporation Bank                     | 23.39                               |        |
| 12                                                                                                                                                                                                                                                                     | 12                        | Dena Bank                      | Dena Bank                            | 32.18                               |        |
| 13                                                                                                                                                                                                                                                                     | 13                        | Federal Bank Ltd               | Federal Bank Ltd                     | 2.97                                |        |
| 14                                                                                                                                                                                                                                                                     | 14                        | HDFC Bank Ltd                  | HDFC Bank Ltd                        | 14.88                               |        |
| 15                                                                                                                                                                                                                                                                     | 15                        | ICICI Bank Ltd                 | ICICI Bank Ltd                       | 23.68                               |        |
| 16                                                                                                                                                                                                                                                                     | 16                        | IDBI Bank Ltd.                 | IDBI Bank Ltd.                       | 9.66                                |        |
| 17                                                                                                                                                                                                                                                                     | 17                        | Indian Bank                    | Indian Bank                          | 31.23                               |        |
| 18                                                                                                                                                                                                                                                                     | 18                        | Indian Overseas Bank           | Indian Overseas Bank                 | 41.25                               |        |
| 19                                                                                                                                                                                                                                                                     | 19                        | IndusInd Bank Ltd              | IndusInd Bank Ltd                    | 2.11                                |        |
| 20                                                                                                                                                                                                                                                                     | 20                        | Jammu & Kashmir Bank Ltd       | Jammu & Kashmir Bank Ltd             | 12.83                               |        |
| 21                                                                                                                                                                                                                                                                     | 21                        | Karur Vysya Bank Ltd           | Karur Vysya Bank Ltd                 | 1.21                                |        |
| 22                                                                                                                                                                                                                                                                     | 22                        | Kotak Mahindra Bank Ltd        | Kotak Mahindra Bank Ltd              | 1.72                                |        |
| 23                                                                                                                                                                                                                                                                     | 23                        | Lakshmi Vilas Bank Ltd         | Lakshmi Vilas Bank Ltd               | 1.83                                |        |
| 24                                                                                                                                                                                                                                                                     | 24                        | Oriental Bank of Commerce      | Oriental Bank of Commerce            | 27.45                               |        |
| 25                                                                                                                                                                                                                                                                     | 25                        | Punjab & Sind Bank             | Punjab & Sind Bank                   | 12.76                               |        |
| 26                                                                                                                                                                                                                                                                     | 26                        | Punjab National Bank           | Punjab National Bank                 | 132.08                              |        |
| 27                                                                                                                                                                                                                                                                     | 27                        | Ratnakar Bank Ltd              | Ratnakar Bank Ltd                    | 0.95                                |        |
| 28                                                                                                                                                                                                                                                                     | 28                        | South Indian Bank Ltd          | South Indian Bank Ltd                | 1.02                                |        |
| 29                                                                                                                                                                                                                                                                     | 29                        | State Bank of Bikaner & Jaipur | State Bank of Bikaner & Jaipur       | 40.21                               |        |
| 30                                                                                                                                                                                                                                                                     | 30                        | State Bank of Hyderabad        | State Bank of Hyderabad              | 33.93                               |        |
| 31                                                                                                                                                                                                                                                                     | 31                        | State Bank of India            | State Bank of India                  | 446.17                              |        |
| 32                                                                                                                                                                                                                                                                     | 32                        | State Bank of Mysore           | State Bank of Mysore                 | 11.90                               |        |
| 33                                                                                                                                                                                                                                                                     | 33                        | State Bank of Patiala          | State Bank of Patiala                | 12.43                               |        |
| 34                                                                                                                                                                                                                                                                     | 34                        | State Bank of Travancore       | State Bank of Travancore             | 3.41                                |        |
| 35                                                                                                                                                                                                                                                                     | 35                        | Syndicate Bank                 | Syndicate Bank                       | 53.59                               |        |
| 36                                                                                                                                                                                                                                                                     | 36                        | UCO Bank                       | UCO Bank                             | 59.45                               |        |
| 37                                                                                                                                                                                                                                                                     | 37                        | Union Bank of India            | Union Bank of India                  | 57.63                               |        |
| 38                                                                                                                                                                                                                                                                     | 38                        | United Bank of India           | United Bank of India                 | 83.78                               |        |
| 39                                                                                                                                                                                                                                                                     | 39                        | Vijaya Bank                    | Vijaya Bank                          | 12.57                               |        |
| 40                                                                                                                                                                                                                                                                     | 40                        | Yes Bank Ltd                   | Yes Bank Ltd                         | 0.12                                |        |
|                                                                                                                                                                                                                                                                        |                           | **Grand Total**                |                                      | **1673.12**                         |        |
| <!-- image -->  Source: Banks                                                                                                                                                                                                                                          |                           |                                |                                      |                                     |        |