Question : PMJDY

(a) the total number of account holders/beneficiaries under the Pradhan Mantri Jan Dhan Yojana (PMJDY) in the country, State/UT-wise including Gujarat;

(b) whether these accounts have increased the work load of rural banks and the Government proposes to increase the number of banks of rural bank to ease the said load and if so, the details thereof;

(c) whether the Government has received any complaints regarding difficulty faced in opening of account under the PMJDY and if so, the total number of complaints received so far and the action taken by the Government thereon;

(d) whether the Government proposes to give debit and credit card to the PMJDY account holder and if so, the details thereof; and

(e) whether the Government also proposes to increase the limit of ATM use by the account holders of PMJDY and if so, the details thereof?

The Minister of State in the Ministry of Finance

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(a) Total number of account-holders under the Pradhan Mantri Jan Dhan Yojana (PMJDY) State / UT-wise as on 13.12.2017 is Annexed.

(b) In addition to bank branches, banking services are also provided through Business Correspondents in rural areas to ease the workload.

(c) As an on-going process, complaints received in this regard are resolved in consultation with banks. Till 18.12.2017, 846 such complaints were received.

(d) PMJDY guidelines envisage issuance of RuPay Debit card having inbuilt accident insurance cover of Rs.1 lakh to PMJDY account holders. As on 13.12.2017, 23.14 crore RuPay Debit cards have been issued.

(e) Accounts opened under PMJDY are Basic Savings Bank Deposit (BSBD) accounts. As per extant guidelines issued by Reserve Bank of India, BSBD accounts are allowed a maximum of four withdrawals in a month, including ATM withdrawals.
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