Question : Pradhan Mantri Jan-Dhan Yojana

(a) the salient features of the Pradhan Mantri Jan-Dhan Yojana (PMJDY) along with the target set and achievements made so far under the Yojana;
(b) the number of account holders, amount deposited, the number of accounts having no transaction and the number of accounts out of them frozen by the Government due to non-transaction under the PMJDY since its inception across the country, year and State/UT-wise including Maharashtra, Gujarat and West Bengal;
(c) the steps taken/being taken by the Government for coverage of maximum area under the yojana;
(d) whether the Government proposes to give debit and credit cards along with increased limit of ATM use by the PMJDY account holders and if so, the details thereof; and
(e) whether the Government is planning/proposing to provide the benefits of the Pradhan Mantri Jeewan Jyoti Bima Yojana (PMJJBY) to the PMJDY account holders across the country, if so, the details thereof and the reasons therefor along with the time by which it is likely to be linked?

The Minister of State in the Ministry of Finance


(a) to (c) Pradhan Mantri Jan Dhan Yojana (PMJDY) is an ongoing scheme of the Government targeted at providing universal access to basic banking facilities and financial services. A RuPay debit card with an in-built accident insurance cover of Rs.1.00 lakh is provided to PMJDY accountholders, along with an overdraft facility of upto Rs. 5,000 on satisfactory performance of account for 6 months.




As on 25.7.2018, 32.17 crore accounts have been opened under PMJDY with a total deposit of Rs. 80,093.77 crore. Out of the total accounts, 18.97 crore (59%) are in rural/semi-urban centres and 16.99 crore (53%) accounts have been opened by women beneficiaries. State/UT-wise details of PMJDY accounts are given in Annexure.

As per Reserve Bank of India (RBI) circular, saving bank accounts are treated as inoperative account, in case there is no customer induced transaction for two years. Based on this criteria, as on 11.7.2018, there are 6.05 crore inactive PMJDY accounts (source: banks).

(d) One RuPay debit card, with an in-built accident insurance cover of Rs.1.00 lakh, is provided to PMJDY accountholders. As per extant guidelines dated 10.8.2012 issued by RBI, maximum four withdrawals in a month (including ATM withdrawal) are allowed for BSBD accountholders, including PMJDY accountholders.

(e) The willing and eligible PMJDY accountholders can subscribe to micro-insurance under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). The scheme is available to people in the age group of 18-50 years and provides for a life cover of Rs. 2.00 lakh for one year period at an annual premium of Rs. 330.
***