Pradhan Mantri Jan Dhan Yojana brought a big change in the lives of crores of people of the country. Today we are celebrating the completion of 10 years of this scheme. Let us know how a small initiative changed the economic scenario of the country.
Introduction to the scheme “Sabka Saath, Sabka Vikas“
The aim of Jan Dhan Yojana, launched on 28 August 2014, was to connect every Indian with banking services. Whether someone lives in a village or in a city, rich or poor, the doors of the bank open for everyone. This scheme proved that financial inclusion is not just a dream, but can be a reality.
Features of the scheme
Zero balance account: The biggest feature of this scheme is that you can open an account even without any money. Whether you have 1 rupee or 1 lakh, your account will continue to run.
The gift of RuPay card: Every account holder gets a RuPay debit card. This has made it easier to withdraw money from ATMs and buy goods at shops.
Safety cover: If something happens in an accident, then an insurance cover of up to Rs 2 lakh is available.
Companion in time of need: If money is needed, then an overdraft of up to Rs 10,000 can be availed. That is, the bank is ready to help you.
Benefits of government schemes: With this account, you can take advantage of many government schemes like Direct Benefit Transfer, Jeevan Jyoti Insurance Scheme, and Atal Pension Scheme.
Success story
The success figures of Jan Dhan Yojana are surprising:
- More than 53 crore people opened new accounts
- Rs 2.3 lakh crore deposited in these accounts
- More than 30 crore women opened their accounts
- These figures show how Jan Dhan Yojana has connected people to banking on a large scale.
Women’s empowerment
Women have probably benefited the most from Jan Dhan Yojana. More than 30 crore women have opened accounts under this scheme. Now they have control over their money. They can keep their earnings safe and save to fulfill their dreams. This financial freedom is giving them a new identity in society.
Resources in Village improved
Earlier, the villagers had to travel several kilometers to go to the bank. Now the bank has come near their home. With the help of Bank Mitra and mobile banking, they can avail banking services sitting at home. This not only saves time, but also encourages people to keep their money safe.
One step ahead, towards development
Jan Dhan Yojana has proved that even small initiatives can bring big changes. This scheme is not limited to just opening bank accounts, but it is the foundation of the country’s economic development. As more people join this scheme, the country’s economy will strengthen. Jan Dhan Yojana is truly a living example of ‘Sabka Saath, Sabka Vikas’.
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