News Agency, New Delhi: The economic and social consequences of the central government’s ambitious Jandhan Yojana are beginning to show. According to a State Bank report, the crime rate in the states where a large number of Jandhan Yojana accounts have been opened; Demand for alcohol, tobacco and other drugs has also declined. According to the Union Finance Ministry, 43.76 crore Jandhan accounts have been opened in the country so far. The three-pronged approach of ‘Jandhan Account’, ‘Aadhar Card’ and ‘Mobile’ has made it possible for government grants to be credited to the respective accounts and reduce unproductive expenditure on alcohol and tobacco in rural areas, the SBI report said. So far, 31.67 crore debit cards have been distributed to customers who have opened Jandhan accounts. Through this, free accident insurance of Rs. 2 lakhs per annum is being provided to the concerned. The number of accounts opened under the scheme was 14.72 crore till March 2015, it has increased to 43.76 crore by October 2021. 55% of the total account holders. The number of bank branches per one lakh population was 13.6 in FY15, which has now increased to 14.7 in the current year. The number of bank branches per one lakh population is more than Germany, China and Germany. The ‘Prime Minister’s Jandhan Yojana’ was launched on August 28, 2014. The scheme aims to open a bank account for each family.
What are the benefits of Jandhan accounts?
– Accounts can be opened for children below ten years of age. – After opening the account, ‘Rupee card’, accident insurance cover of Rs. 2 lakhs, life insurance of Rs. 30,000 and interest is also paid on the amount deposited in the account. – ‘Overdraft’ facility of ten thousand rupees. – Facility to open an account in any bank. There is no minimum balance requirement.
Journey of ‘Prime Minister’s Jandhan’ scheme
Year – Number of Accounts March 2015 – 14.72 Crores March 2016 – 21.43 Crores March 2017 – 28.17 Crores March 2018 – 31.44 Crores March 2019 – 35.27 Crores March 2020 – 38.33 Crores January 2021 – 41 .60 crores October 2021 – 43.76 crores
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