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

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.

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

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

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

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Showing 2011 Submission(s)
Mufaddal dahodwala
Mufaddal dahodwala 11 years 8 months ago
Technology is the key driver for banking which helps understand the customer better through data analytics and in order to make financial inclusion a lot more viable for banks, changes in laws and policies are required to recover various costs for mitigating risks in the long term.The banks have to restructure their assets by diversifying with respect to product line.Issues in rural banking like formal KYC's and costly mode of remittances need to be balanced with direct benefit transfer.
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Dwarika Nath Mishra
Dwarika Nath Mishra 11 years 8 months ago
Three things which should be considered. 1. Pay cash back @ 2% on all transaction from jandhan account using debit card to make peoiple use the account and keep it active. 2. Pay 4% more interest rate over and above normal savings rate on savings in these account upto a present limit of say 20000 3. Provide for interest subvention on credit availed by account PMGSY account holdersup to a preset limit of say 50000 borrowing 4.Start POS banking services at all anganwadi centers. 5. Ask Indian IT comapnies to deploy there staff for two days on 24th and 25th Decemberas part of CSR to open 100 Account per staff . team can be 1 banbnk officials and five IT people.
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sanjay patidar
sanjay patidar 11 years 8 months ago
प्रधानमंञी जन धन योजना के बारे मे मेरा विचार यहा है कि प्रधानमंञी जन धन योजना में किसी भी बैंक या बैंक मिञों को यह नही पता है कि जन धन योजना क्‍या है और इसे के गांव , व्‍यक्तिअों तक कैसे बताए जाए और इस योजना की शर्तो को पुरा कैसे किया जाए जिससे हर एक गरीब व्‍यक्ति तक योजना का लाभ मिल सके , एक अकबार की खबर में 7.5 करोड खाते खोलना का अनुमान था पर इसमें 10 करोड खाते खुल चुके है
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Indrajeet Indrajeet
Indrajeet Indrajeet 11 years 8 months ago
With regard to this scheme, one day, I went to a SBI branch near my workplace with a colleague. She wants to open an account there and she had Aadhar card (xerox also) with her. But the staff there refused to open account by saying "go to your local Branch, address mentioned in the Aadhar card". She belongs to poor family and her father is a farmer in village. Now a day, people live elsewhere as his/her domicile. Do something to this.
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Girish Kamath
Girish Kamath 11 years 8 months ago
Banks should collaborrate with one of the largest postal networks in the world to provide last mile delivery service to the customer. Postmen can easily double up as bank correspondents with very little training since they already deliver money orders and collect payments for COD items. This will also provided additional income to them. Post offices could also act as deposit collection centers and even provide safe deposit box services wherever possible.
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sanjiv hinduja
sanjiv hinduja 11 years 8 months ago
Respected PM, No dought this is a very good scheme for financial inclusion and every household shud be part of the banking system. However we are seeing extra stress on the banks owing to congested spaces and lack of adequate staff in branches. This entails long ques for even simple banking operations. Most of the PSB's are understaffed leaving the young skeletal staff to take decisions. We need to staff the banks so that, service being the motto and both security of clients is not compromised
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soundaraya kumar
soundaraya kumar 11 years 8 months ago
If you really want to make it an inclusive, you must include everybody. Govt. agencies (Banks/Post offices) have failed time and again, and would fail you this time as well. The solution lies in Walk the Talk. You talk about youth power and its expertise (Technology), the solution lies is engaging it. How to do that can't be described in 500 Words. The solution/idea is techno savvy youth, working with a spirit and motivation to make it successful. And there is no other way also.
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SANDEEP NETHALA
SANDEEP NETHALA 11 years 8 months ago
Pradan mantri jan dan yojana is introduced successfully and it satisfies that everyone has bank account.But the beneficiares of that scheme is more .The tribal people, poor people and slum people has to enjoy the scheme but some politicians and gov employees and rich people opening a duplicate accounts to fulfill their requirements and somebody keeping their black money in their account .
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soundaraya kumar
soundaraya kumar 11 years 8 months ago
If a chaiwala does not know, why a scheme is not successful, he is lying. It seems, he is deliberately or under compulsion is not in a position to act. And is serving some other vested interests. Other side of the story, is that, he knows well, what needs to be done, but is probably helpless. Then inviting suggestions, is just to empty the discontent and anger in the society. All this means, is just a eye wash and there is no real changes. Change is in terms of false propaganda/publicity only.
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