6 Pillars of PMJDY
PMJDY
to be executed in the Mission Mode envisages provision of affordable financial
services to all citizens within a reasonable distance. It comprises of the
following six pillars:-
ÿUniversal Access to
Banking Facilities:
Mapping
of each district into Sub Service Area (SSA) catering to 1000-1500 households
in a manner that every habitation has access to banking services within a
reasonable distance say 5 km by 14 August, 2015. Coverage of parts of J&K, Himachal Pradesh, Uttarakhand, North
East and
the Left Wing Extremism affected districts which have telecom
connectivity and infrastructure constraints would spill over to the Phase II of
the program (15 August, 2015 to 15 August, 2018).
ÿ No Frill Account with RuPay Debit card:
The
effort would be to first cover all uncovered households with banking facilities
by August, 2015, by opening basic bank accounts. Account
holder would be provided
a RuPay Debit
Card. Facility of an overdraft to every basic banking account holder would be considered
after satisfactory operation / credit history of six months.
ÿ Financial Literacy
Programme:
Financial
literacy would be an integral part of the Mission in order to let the
beneficiaries make best use of the financial services being made available to
them.
ÿCreation of Credit
Guarantee Fund:
Creation
of a Credit Guarantee Fund would be to cover the defaults in overdraft
accounts.
ÿ Micro- Insurance:
To
provided micro- insurance to all willing and eligible persons by 14 August, 2018,
and then on an ongoing basis. Unorganized sector Pension schemes like
Swavalamban: By 14 August, 2018 and then on an ongoing basis. Under the
mission, the first three pillars would be given thrust in the first year.
nice job
ReplyDeletethanks
Deletenice job
ReplyDeletegood
ReplyDeleteRespected Sir/Madam,
ReplyDeleteI am a new VLE registered with the new portal, I have given the test for BANK MITR and passed with 68%, till now I haven't got any KO ID or any mail/message from any bank or other authorities, therefore, I need your suggestion
Pradhan Mantri Jan Dhan Yojana (PMJDY), is the scheme which was inaugrated by the Current Prime Minister of India Narendra Modi on the eve of Independence, 15 August 2014. The scheme is for the people of age group 18 to 65 years. It is a Financial Inclusion scheme. PMJDY is to make the financial services accessible and affordable by the people as it consist of the bank accounts, remittances, credit, insurance and pensions.
ReplyDelete