RASHMI.

HK
YASHASWINI.N
INTRODUCTION
 Pradhan Mantri Jan-Dhan Yojana (PMJDY) PM Modi launches the Pradhan
Mantri Jan Dhan Yojana
 Location India ; Founder Government of India; Key people Narendra Modi
Arun Jaitley

 National Mission for Financial Inclusion to ensure access to financial services,

namely Banking Savings & Deposit Accounts, Remittance, Credit, Insurance,
Pension in an affordable manner.

 Launched by the Prime Minister of India Mr. Narendra Modi , on 28 August

2014. He had announced this scheme on his first Independence Day speech on 15
August 2014

 Run by Department of Financial Services, Ministry of Finance, on the

inauguration day, 1.5 Crore (15 million) bank accounts were opened under this
scheme.
The main objectives of PMJDY
 To achieve universal access to banking facilities.
 Providing basic bank accounts with banking facilities
 A robust financial literacy program
 Creation of a credit guarantee
 To provide micro – insurance to all willing and eligible
persons .
 To provide for a way to implement unorganized sector
pension schemes.
Benefits of PMJDY scheme
 Interest on deposits.
 Accidental insurance cover of Rs . 1 lakh.
 No minimum balance required .
 Life insurance cover up to Rs 30,000/-.
 Easy transfer of money across INDIA .
 Beneficiaries of government scheme will get
direct benefit transfer in those account.
 Access to pension insurance product.
 Over draft facility up to Rs 5000/-.
 Accidental insurance cover , Rupay debit card are
also in this scheme
Research methodology
1. Need of the study
2. Objectives of study
3. Data base
4. Data analysis
5. a) Percentage method
6. b) factor analysis
7. limitations of the study