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Prime Minister Narendra Modi launched (28th August 2014) his pet project the
Jan Dhan Yojana ("Peoples Wealth scheme" in English), which aims to
provide bank accounts to the poor and end financial untouchability. The
scheme is aimed at opening 1 crore bank accounts on the first day of its launch.
The state leaders in turn would launch the scheme in their respective states. Here
are some important details you should know about this scheme.
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This plan is aimed at providing bank accounts, insurance cover and a debit
card to all the citizens of the country. The 'Jan Dhan Yojana' will provide
individuals with a RuPay debit card which carries free accidental insurance
cover of Rs one1 lakh. According to news reports the personal accident insurance
cover would be enhanced to Rs 2 lakhs per year. This is likely to provide some
cover especially to marginalized sections of society in the unfortunate event of
death of the earning member due to an accident.
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The name Jan Dhan was chosen through an online competition on the
MyGov Platform and received more than 6000 suggestion from Indian
citizens. After evaluation the jury shortlisted Jan Dhan which was
suggested by 7 individuals.
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Prime Minister Narendra Modi opened a record 1.5 crore bank accounts
across the country to mark the launch of the Pradhan Mantri Jan Dhan
Yojana (PMJDY) aimed at financial inclusion of all Indians.
The scheme aims to ensure that every household has at least two bank
accounts.
Each of the bank accounts which are opening comes with a RuPay debit
card.
Rs.1 lakh accident insurance cover and an additional Rs. 30,000 life
insurance cover.
Overdraft facility of Rs.5000 after six months
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These benefits will apply to all accounts opened before January 26, 2015.
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The scheme has been started with a target to provide 'universal access to
banking facilities starting with Basic Banking Accounts with the facilities
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over 77,000 locations with the participation of Chief Ministers, Union
Ministers, government and bank officials.
The initial target of the PMJDY was to open bank accounts for 7.5 crore
families within a year.
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All private and public sector banks are a part of Pradhan Mantri Jan Dhan
Yojana (PMJDY)
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Bank of Baroda
Bank of India
Canara Bank
Corporation Bank
IDBI Bank
Indian Bank
Punjab National Bank
Union Bank of India
State Bank of India & its affiliates.
Oriental Bank of Commerce
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Some of Indias large Nationalised banks are taking part in PMJDY. They
are:
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Axis Bank
Federal Bank
HDFC Bank
ICICI Bank
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IndusInd Bank
ING Vysya Bank
Karnataka Bank
Kotak Mahindra Bank
YES Bank
Dhanalakshmi Bank
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