Jan Dhan Yojana

Jan Dhan Yojana

Jan Dhan Yojana

Objective of "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" is ensuring access to various financial services like availability of basic savings bank account, access to need based credit, remittances facility, insurance and pension to the excluded sections i.e. weaker sections & low income groups. This deep penetration at affordable cost is possible only with effective use of technology.


Hon'ble Prime Minister, Sh. Narendra Modi th on 15 August, 2014 announced "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" which i s a N a t i o n al M i s s i o n f o r F i n a n c i al Inclusion.The task is gigantic and is a National Priority. This National Mission on Financial Inclusion has an ambitious objective of covering all households in the country with banking facilities and having a bank account for each household. It has been emphasised by the Hon'ble PM that this is important for including people left-out into the mainstream of the financial system. The Pradhan Mantri Jan-Dhan Yojana will be th launched on 28 August, 2014, across the nation simultaneously.

It will be launched formally in Delhi with parallel functions at the state level and also at district and sub-district levels. Camps are also to be organized at the branch level. The Pradhan Mantri Jan-Dhan Yojana lies at the core of development philosophy of "Sab Ka Sath Sab Ka Vikas". With a bank account, every household would gain access to banking and credit facilities. This will enable them to come out of the grip of moneylenders, manage to keep away from financial crises caused by emergent needs, and most importantly, benefit from a range of financial products. As a first step, every account holder gets a RuPay debit card with a ` 1,00,000/- accident cover. 

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