PM Modi formally launches 'Pradhan Mantri Jan Dhan Yojana'
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PM Modi formally launches 'Pradhan Mantri Jan Dhan Yojana'
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Prime Minister Narendra Modi on Thursday launched 'Pradhan Mantri Jan Dhan Yojana'. The target is to open 7.5 crore bank accounts, the process for which was kick started on Thursday with 1.5 crore accounts.
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Prime Minister Narendra PM Modi launches Pradhan Mantri Shram Yogi Maan-Dhan Scheme (PM-SYM) in Ahmedabad, Gujarat
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Full speech of PM Narendra Modi on inauguration of Padhan Mantri Jan-Dhan Yojana (PMJDY) at Vigyan Bhawan in New Delhi.
Date: August 28, 2014
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The Yojana will be implemented in two phases:-
Phase-I from 15th August 2014:
· Universal access to banking facilities for all households across the country through a bank branch or a fixed point Business Correspondent (BC) called Bank Mitra within a reasonable distance except areas with infrastructure & connectivity constraints.
· To cover all households with atleast one Basic Banking Account with RuPay Debit card having inbuilt accident insurance cover of Rs.1 lakh. Further an overdraft facility upto Rs.5000 will also be permitted to Adhaar enabled accounts after satisfactory operation in the account for 6 months.
· Financial literacy programme which aims to take financial literacy upto village level.
· The Mission also envisages expansion of Direct Benefit Transfer under various Government Schemes through bank accounts of the beneficiaries of.
· The issuance of Kisan Credit Card (KCC) as RuPay Kisan Card is also proposed to be covered under the plan.
Phase-II :
· Providing micro –insurance to the people.
· Unorganised sector Pension schemes like Swavalamban through the Business Correspondents.
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The 'Pradhan Mantri Jan Dhan Yojana', an ambitious financial inclusion scheme under which the government intends to provide every household with a bank account and insurance cover, was launched by Prime Minister Narendra Modi.
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