PM Jan Dhan Yojana Update: The Narendra Modi-led government has launched over 200 schemes for the poor in the last 10 years, Minister of State for Road Transport and Highways, Harsh Malhotra, stated on Friday. According to PTI, Malhotra highlighted that the Pradhan Mantri Jan Dhan Yojana (PMJDY) has addressed one of the biggest challenges for the poor by integrating them into the banking ecosystem. There are over 54 crore accounts with total deposits of approximately Rs 2.39 lakh crore. This marks a more than 15-fold increase since the launch of the Jan Dhan Yojana.
Jan Dhan Yojana Achieves Remarkable Success
The Pradhan Mantri Jan Dhan Yojana (PMJDY) has succeeded in helping rural and semi-urban areas and women. About 66% of the accounts belong to these groups. Banks have issued 37.02 crore RuPay cards to PMJDY account holders, increasing the average deposit per account. By August 14, 2024, the average deposit in Jan Dhan accounts was Rs 4,352.
Delhi: MoS and Shiv Sena MP Prataprao Jadhav says, “…First, let’s talk about the Jan Dhan banking opportunity, known as the Prime Minister Jan Dhan Yojana (PMJDY), a national mission for financial inclusion launched by our honorable PM Modi in August 2014. Its goal is to… pic.twitter.com/LHbnRYJwnW
— IANS (@ians_india) December 20, 2024
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25 Crore People Escaped Poverty in 10 Years
The government has reduced poverty by lifting 25 crore people out of it in the past decade. Minister Harsh Malhotra said Delhi has 65 lakh PMJDY accounts holding deposits of Rs 3,114 crore and 50 lakh RuPay card beneficiaries. He added that the PMJDY and JAM trinity improved financial inclusion, expanded access to banking, increased transparency, and reduced corruption.
Ayushman Bharat Expands Healthcare Access
By November 30, 2024, the Ayushman Bharat scheme had issued 36 crore Ayushman cards across India. It has 29,929 empanelled hospitals, including 13,222 private hospitals, improving healthcare for millions.
Key Features of PMJDY Account
- Zero balance account.
- Free RuPay debit card.
- Accidental insurance cover of Rs 2 lakh.
- Overdraft facility of up to Rs 10,000 after six months.
- Visit the Bank’s Website: Visit a participating bank’s site (SBI, HDFC, etc.).
- Download the Form: Find and download the PMJDY account opening form.
- Fill in Details: Provide your name, Aadhaar, address, and mobile number.
- Attach Documents: Upload proof of identity, address, and a photo.
- Submit: Submit the form online or at the nearest branch.
- Verification: After verification, the account is activated, and you get a RuPay card.