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Department of Administrative Reforms and Public Grievances

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Suggestions are invited for covering all Households under Pradhan Mantri Jan-Dhan Yojana by 26th January 2015

Start Date :

Jan 01, 2015

Last Date :

Dec 26, 2014

04:15 AM IST (GMT +5.30 Hrs)

Submission Closed

Pradhan Mantri Jan Dhan Yojana (PMJDY) was announced by Hon’ble Prime Minister in his Independence Day Speech on 15th August, 2014. The scheme has been launched by ...

Pradhan Mantri Jan Dhan Yojana (PMJDY) was announced by Hon’ble Prime Minister in his Independence Day Speech on 15th August, 2014. The scheme has been launched by Hon’ble Prime Minister at a National level function held on 28th August, 2014 in Vigyan Bhavan, New Delhi.

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.

The Yojana envisages covering all households in the country by 26.01.2015 with at least one bank account

Suggestions are invited for covering all Households under Pradhan Mantri Jan-Dhan Yojana by 26th January 2015.

Last date for sending your suggestions is 25th December, 2014.

For more information about the Scheme, please refer the following URLs:

http://cdn.mygov.nic.in/bundles/frontendgeneral/pdf/pradhan-mantri-jan-d...

http://cdn.mygov.nic.in/bundles/frontendgeneral/pdf/annexure-1-pmjdy-051...

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T V Gopalakrishnan Krishnan 11 years 6 months ago

The best way is to ensure that all service providers like maid servants, security people,iron walls,coolies,laborers,small traders like vegetable and fruit vendors, carpenters, goldsmiths, electricians,plumbers, tailors, cooks and caterers, employees attached to traders,unorganized segments,small contractors and unskilled workers attached to various shops and establishments are made to open accounts and this can be ensured by their respective employers and contact point persons.

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Devraj Goulikar 11 years 6 months ago

Schemes like Laadli Lakshmi should be linked to Jan Dhan accounts where money directly deposited for first school admission, girl born, passing 10th class etc which will incentivise people to open accounts.

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Virender Kumar 11 years 6 months ago

The best way to covers all the household under Pradhan Mantri Jan-Dhan Yojana is to train school children of that location to explain the benefit of the Yojana and to check their account no.after registration. This list must be checked with electoral roll of that location. Each child will cover minimum 10 households for this. It will be knowledge gain and entertaining task for the school child.

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varun kumar 11 years 6 months ago

it is the good step toward the economical independence for people, next step interlink every one a/c to their ADHAR.for geting true e-india

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Kaushik Keswani 11 years 6 months ago

No doubt its a very good yojna to reach unbanked people across the country but 1 its observed that people alrdy having bank a/c have opened another in the hope that PM will deposit money so clarification n awareness need to be created by finance ministry 2 If 5000 overdraft is given n it becomes NPA then Who will pay? 3 Extra burdon has been imposed on banks which they r following too but NO ONE is bothered for least paid bank employees who gets very low salary as compared to othr gov departme

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Mandar Kulkarni 11 years 6 months ago

Few more suggections - 1. Remove annual ATM charges 2. Remove min. balance fees 3. Promote people to make payments by cheque rather than cash 4. Givings discounts on purchases if these people make payment by cheque and not by cash.

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Mandar Kulkarni 11 years 6 months ago

radhan Mantri Jan-Dhan Yojana is something very special. I suggest, everybody poor person should understand the benefit of it and rather it should be communicated to him/her during the period. Some of the benefits can be added are - 1. Extending insurance coverage to the family members 2. Giving attractive interest rates on savings so that people would add more money in accounts 3. Giving Term insurance coverage with minimal cost 4. Auto opening of recurring FD where govt. can contribute

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Ratan Chaudhary 11 years 6 months ago

This is an excellent yojana. But even after this yojana, kishans are comiting suicide. It appears that this yojna is not known to most of them thoroughly. This has to be publicised in all possible ways, not only on TV, Radio, local news papers, but it should also be spoken by MPs, MLAs, film celebrities & spiritual leaders whenever possible.

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Sarvesh Kumar Gupta 11 years 6 months ago

There may be a TEST RUN with "0" balance on the 26th January 2015 with reading "HAPPY REPUBLIC DAY OF INDIA" to generate the confidence in all such account holders.

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SUKHWINDER SINGH GILL 11 years 6 months ago

Presents advertisements should also emphasis that this account can be operated from anywhere. Bank managers should be given targets with incentives for promotion of scheme and punitive measures for non performance to open such accounts. On Christmas and such holidays special camps should be organised in slums, JJ colonies, labour camps for opening accounts. 2. When a new ADHAAR card is made account should be opened simultaneously if not held already.

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