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Jan Dhan Yojana in Guinness Book With 11.5 Crores Bank Accounts Opened

Jan Dhan Yojana in Guinness Book

Prime Minister Narendra Modi declared the initiate of Pradhan Mantri Jan Dhan Yojana in his first Independence Day speech last year. Now this Jan Dhan Yojana has made a place in Guinness Book with 11.5 Crores Bank Accounts Opened in a minor span of time.

The government had set banks the target of January 26, 2015 to open 10 crore accounts. On the other hand, banks had accomplished the target given by the government a month earlier than the January 26 deadline with 11.50 crore accounts.

Current Affairs July 2015

Statistics of Jan Dhan Yojana:

The statistics of the scheme said that Public sector banks individualy opened 9.06 crore accounts, followed by regional rural banks which opened about 2 crore accounts. 13 private sector banks mutually open only 36 lakh accounts.

On the launching day, 1.5 Crore accounts were opened and by 10 January 2015, 11.76 crore bank accounts were opened. Under this scheme, around Rs. 8698 crore were deposited in new bank accounts.

In contrast of overall statics, Over 19.5 lakh bank accounts have been opened in Delhi since the launch up to August 28, 2014 which is a great achievement for the Economy of Delhi.

Pradhan Mantri Jan Dhan Yojana

Political Views:

The Finance Minister Arun Jaitley said the govt would utilize these financial A/Cs to efficiently convey reimbursement to personnel under its diverse social security schemes.

Financial services secretary Hasmukh Adhia said even Guinness Book of World Records has renowned the accomplishments made under this scheme. The Guinness Book said: “Most bank accounts opened in one week as part of the Financial Inclusion Campaign is 18,096,130 and was achieved by the Government of India from August 23 to 29, 2014.”

About Jan Dhan Yojana:

“Jan Dhan Yojana” is a flagship scheme launched by the Prime Minister Narendra Modi August 28, 2014. This scheme offers an advantageous alternative for opening new bank accounts with zero balance. This scheme provides RuPay debit card, in accumulation to accidental insurance coat of Rs 1 lakh.

Benefits of this scheme:

  • This scheme covers the way for the government’s ambitious plan to convey annual subsidy of around Rs 51,029 crore directly to bank accounts of 15.45 crore beneficiaries in the upcoming year, plugging system outflows.
  • The PMJDY, covering 99.74% households, the largest part of India developed into part of the banking system.
  • It would present the proposal for Direct Benefits Transfer (DBT) and help in plugging leakages in financial assistance and grant savings to the exchequer.
  • The allotment of the RuPay cards to account proprietors would promote the use of plastic money and facilitate in moving towards a cashless civilization.
  • The suggestion to provide overdraft competence in such accounts would also perform as micro finance and avoid people from taking loans at excessive rates from money lenders.
  • The rural areas and women would lead to the urban areas by the use of digital money and using more bank accounts.

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