Chhattisgarh Jan DhanYojana

Under the Pradhan Mantri Jan Dhan

Yojana (PMJDY), SBI took the lead in

opening, around 1.9 million accounts in

Chhattisgarh by sharing about 30

percent of the new accounts.

According to state government

officials, 1904000 new bank

accounts had been opened across

Chhattisgarh. Under the scheme,

the state had set a target to open 2.5

million more bank accounts in the

coming days. All the bank accounts

are opened with zero balance.

Of the total accounts opened in the

state, 975977 bank accounts had been

opened in rural area while 928291

accounts had been opened in urban

area. All the 27 public sector and 14

private sector banks in Chhattisgarh

are engaged in this scheme.

The SBI, which had been made the

nodal bank for implementing the

scheme, had taken lead by opening

548758 bank accounts under the

PMJDY in Chhattisgarh.

It had been followed by

Chhattisgarh Gramin Vikas Bank

that had opened 476569 accounts

since the scheme started some three

months ago.

PMJDY scheme was launched by

our Prime Minister in the month of

August. The main features of this

scheme can also be implemented in

every state of India.

Chhattisgarh Jan Dhan Yojana was

also launched on the same day. It

includes Rs 5,000 overdraft facility

for Aadhar-linked accounts RuPay

Debit Card with inbuilt Rs 1 lakh

accident insurance cover.

After about four months after the launch of

Pradhan Mantri Jan Dhan Yojna (PMJDY),

bank accounts of about 26 lakh families

have been opened. The scheme envisages

universal access to banking facilities with

at least one basic account for every

household with focus on financial literacy,

access to credit, insurance and pension

facility.

In addition, the beneficiaries get

RuPay debit card having inbuilt

accident insurance covers of Rs 1

lakh.

Prior to the launch of Chhattisgarh

Jan Dhan Yojana, the main objective

was to enroll over 7.5 crore (75

million) households and to open

their accounts.

The scheme has been started with a target

to provide 'universal access to banking

facilities' starting with "Basic Banking

Accounts" with overdraft facility of

Rs.5000 after six months and RuPay

Debit card with inbuilt accident insurance

cover of Rs. 1 lakh and RuPay Kisan

Card.

Under the scheme:

1. The account holders will get the provision of zero-balance

bank account with RuPay debit card, in addition to

accidental insurance cover of Rs 1 lakh.

2. Those who open accounts by January 26, 2015

over and above the 1 lakh accident, they will be

given life insurance cover of 30,000.

3. The holders can avail 5,000 overdrafts from the bank.

4. With the introduction of new technology introduced by

National Payments Corporation of India (NPCI), a person can

transfer funds, check balance through a normal phone earlier

which was limited to only normal phones.

5. Mobile banking for the poor would be available through

National Unified USSD Platform (NUUP) for which all banks

and mobile companies have come together.

With the introduction of Chhattisgarh Jan dhan yojana, a number

of people living in the far off rural places have benefitted.

Get more details at:

http://apnachhattisgarh.in/