Question : PMJDY Accounts

(a) the number of people currently holding Jan Dhan accounts under PMJDY, age-wise, gender-wise, and State-wise;
(b) the number of these people who held bank accounts prior to the launch of the scheme, age, gender and State-wise;
(c) the number of people who received the DBT to Jan Dhan accounts under the Pradhan Mantri Garib Kalyan Package from April 2020, State-wise;
(d) the number of these people who were able to successfully withdraw this money, State-wise;
(e) the details of the parameters being used to judge the effectiveness of the Jan Dhan scheme along with the details of measures taken to increase financial literacy among Jan Dhan account holders, particularly women; and
(f) whether the Government has taken note of complaints of biometric failures and other technical difficulties preventing access to the account and if so, the details of measures taken to address the same?

THE MINISTER OF STATE IN THE MINISTRY OF FINANCE


(a) & (b) As informed by banks, as on 27.01.2021, 41.75 crore accounts have been opened under Pradhan Mantri Jan Dhan Yojana (PMJDY). Gender-wise and State-wise number of PMJDY accounts is at Annexure-I. The scheme aims to open bank accounts of every unbanked person and is not age related.

As informed by Reserve Bank of India, the number of savings accounts including PMJDY accounts has increased from 97.77 crore as on 31.03.2014 to 164.32 crore as on 31.03.2019

(c) & (d) As informed by Ministry of Rural Development (MoRD), total of 20.64 crore women PMJDY account holders were benefitted through the ex-gratia payment under Pradhan Mantri Garib Kalyan Yojana (PMGKY). State-wise data on number of beneficiary accounts is at Annexure-II. The data pertaining to people who were able to successfully withdraw this money, State-wise, is not centrally maintained.


(e) PMJDY has been successful in increasing banking penetration and to promote financial inclusion across the country. As on 27.01.2021, 41.75 crore accounts have been opened with deposit balance of Rs.1,37,755 crore. Approximately 30.69 crore RuPay cards with an inbuilt accidental insurance of Rs. 1 lakh (Rs.2 lakh for accounts opened after 28.8.2018) coverage have been provided to PMJDY account holders. About 80% of total operative accounts under PMJDY have been seeded with Aadhaar and eligible accounts are getting Direct Benefit Transfer (DBT) in their accounts.

PMJDY account holders including women account holders can perform banking transactions at bank branch or Business Correspondent (BC) point. As informed by RBI, Financial Literacy Centres (FLCs) and rural branches of banks across the country address the financial literacy needs of different target groups, namely farmers, micro and small entrepreneurs, school children, Self Help Groups (SHGs), senior citizens etc including women. In consonance with the RBI guidelines, rural branches and FLCs of banks conduct camps for financial literacy across the country.

As informed by MoRD, the Ministry of Rural Development under DeendayalAntyodaya Yojana - National Rural Livelihoods Mission (DAY-NRLM) has initiated a focused intervention for spreading of awareness and financial literacy among women Self Help Group members in rural areas. Under this intervention, 24536 Field level cadres has been trained to conduct Financial literacy camps at the village level. Each of the cadres has been equipped with resource materials and training kits for conduct of the awareness camps.

(f) As informed by Banks, they have taken necessary steps in consultation with National Payments Corporation of India (NPCI), including enabling the requisite infrastructure, to minimize the technical declines under Aadhaar enabled Payment System (AePS).
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