తెలుగు వెర్షన్ కోసం ఇక్కడ క్లిక్ చేయండి
Introduction
The Jan Dhan Yojana (JDY), launched in August 2014, was a groundbreaking initiative aimed at providing financial inclusion to the unbanked population of India. This ambitious scheme has had a profound impact on the country’s economy and social fabric, transforming the lives of millions of people.
Key Dates and Milestones
- August 28, 2014: Prime Minister Narendra Modi launches the Jan Dhan Yojana.
- September 2014: The government sets a target of opening 25 crore bank accounts by January 26, 2015.
- January 26, 2015: The target of 25 crore bank accounts is surpassed.
- 2017: The government introduces the Pradhan Mantri Jan Dhan Yojana-Aadhaar-Mobile (PMJDY-Aadhaar-Mobile) linkage to enhance security and convenience.
- 2018: The government announces the RuPay Debit Card scheme for Jan Dhan account holders, providing access to various banking services.
- 2020: The government launches the Life Insurance Corporation (LIC) Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Jeevan Suraksha Yojana for Jan Dhan account holders.
Prominent Persons Associated with JDY
- Narendra Modi: Prime Minister of India, who played a pivotal role in launching and promoting the Jan Dhan Yojana.
- Arun Jaitley: Former Finance Minister, who oversaw the implementation of the scheme.
- Rajiv Kumar: Former Secretary, Department of Financial Services, who was instrumental in designing and executing the JDY.
Number of Jan Dhan Accounts
The Jan Dhan Yojana has been a massive success in terms of financial inclusion. As of 2023, the number of Jan Dhan accounts in India has surpassed [Number of Jan Dhan accounts]. This significant achievement has brought millions of people into the formal banking system, providing them with access to various financial services.
Impact of Jan Dhan Yojana
The Jan Dhan Yojana has had a far-reaching impact on India’s economy and society. Some of the key benefits of the scheme include:
- Financial Inclusion: It has brought millions of people into the formal banking system, providing them with access to loans, insurance, and other financial services.
- Poverty Reduction: By providing access to financial services, the JDY has helped to reduce poverty and improve the livelihoods of the poor.
- Economic Growth: The scheme has boosted economic growth by increasing the flow of credit to small businesses and farmers.
- Social Empowerment: It has empowered women and marginalized communities by providing them with financial independence.
తెలుగు వెర్షన్ కోసం ఇక్కడ క్లిక్ చేయండి
Key points for Exams purpose
- As on 16 August 2024, the number of Jan Dhan Bank accounts reached 53.13 crores.
- They now have a cash balance of Rs.2.31 lakh crore
- 39 lakh crore has been disbursed directly to beneficiaries through Jan Dhan accounts through various central government schemes.
- Union Finance Minister Nirmala Sitharaman said that another 3 crore new accounts are likely to be opened under Jan Dhan in 2024-25.
- Jan Dhan accounts do not incur any charges even if there is no minimum balance
- An overdraft facility of Rs.10,000 is given to one Jan Dhan account holder in the family.
- This overdraft facility is available only if the account is maintained satisfactorily for six months.
- Free Rupee Debit Card with Accident Insurance of lakhs is being given.
- So far 66.6% of the accounts opened under Jan Dhan belong to people in rural and small towns.
Conclusion
The Jan Dhan Yojana has been a remarkable success story, demonstrating the government’s commitment to financial inclusion. In just a decade, it has transformed the lives of millions of Indians, providing them with access to financial services and opportunities. As the scheme continues to evolve, it is expected to play an even more significant role in India’s development.
తెలుగు వెర్షన్ కోసం ఇక్కడ క్లిక్ చేయండి