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GOVERNMENT OF INDIA
MINISTRY OF FINANCE
LOK SABHA
UNSTARRED QUESTION NO: 2527
ANSWERED ON:  13.12.2021
Accounts under PMJDY
Achyutananda Samanta
Will the Minister of



FINANCE be pleased to state:-


(a) the details of the number of bank accounts opened and RuPay cards issued under the Pradhan Mantri Jan Dhan Yojana (PMJDY) till date, State-wise including Odisha;
(b) whether a large number of these accounts (more than 10 percent) are lying dormant or inoperative and if so, the reasons therefor, and the steps being taken by the Government to rectify this and encourage usage of bank accounts under PMJDY; and

(c) whether the beneficiaries are given access to formal credit facilities through PMJDY and if so, the details thereof and if not, the details of the steps being taken by the Government to ensure that a proper credit delivery model is in place to suit the beneficiaries?


ANSWER
The Minister of State in the Ministry of Finance


(a) As informed by banks, State-wise number of accounts opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) along with RuPay Debit Cards issued is Annexed.

(b) As per Reserve Bank of India (RBI) guidelines dated 18.02.2009, a savings account should be treated as inoperative/dormant if there are no transactions in the account for over a period of two years.

In this regard, RBI has advised Financial Literacy Centres (FLCs) and rural branches of banks to conduct outdoor financial literacy camps for customers in collaboration with ground level stakeholders at the District/panchayat/village level. They also conduct specific camps for target audience like farmers, small entrepreneurs, Self Help Groups, senior citizens etc. including women. The Centres for Financial Literacy project of the RBI also impart financial education among adults. In addition, banks in general organise camps, to create awareness about the banking habits including the benefits of keeping the account active.

As a result of these initiatives, the share of operative PMJDY accounts has increased from 60.38% in March’17 to 85.70% in November’21.

(c) Under PMJDY, the beneficiariescan avail overdraft facility upto Rs.10,000 after fulfillment of certain minimum conditions. In addition, they can also avail credit from banks as per the extant guidelines/policy.

*****
Annexure as referred to in part(a) of reply to Lok Sabha Q.No. 2527 for 13.12.2021
numbers in lakh(as on 24.11.2021)
S.No State/UT Total PMJDY Accounts Rupay Debit Card issued
1 Andaman & Nicobar Islands 0.47 0.39
2 Andhra Pradesh 117.19 91.32
3 Arunachal Pradesh 3.73 3.09
4 Assam 199.72 107.05
5 Bihar 498.55 385.45
6 Chandigarh 2.76 1.88
7 Chhattisgarh 157.54 103.90
8 Dadra & Nagar Haveli and Daman & Diu 2.09 1.39
9 Delhi 50.53 41.18
10 Goa 1.69 1.16
11 Gujarat 165.28 126.67
12 Haryana 82.50 62.10
13 Himachal Pradesh 15.60 11.96
14 Jammu & Kashmir 25.26 18.51
15 Jharkhand 158.47 111.98
16 Karnataka 155.34 96.18
17 Kerala 48.64 29.29
18 Ladakh 0.21 0.19
19 Lakshadweep 0.06 0.05
20 Madhya Pradesh 364.96 297.02
21 Maharashtra 308.83 216.32
22 Manipur 10.16 6.79
23 Meghalaya 6.07 4.11
24 Mizoram 3.15 1.15
25 Nagaland 3.40 2.83
26 Odisha 181.65 140.24
27 Puducherry 1.66 1.26
28 Punjab 75.22 59.54
29 Rajasthan 305.90 241.09
30 Sikkim 0.85 0.62
31 Tamil Nadu 114.22 91.53
32 Telangana 103.87 84.17
33 Tripura 8.42 3.04
34 Uttar Pradesh 756.69 539.05
35 Uttarakhand 28.23 21.85
36 West Bengal 435.40 274.39
Total 4394.31 3178.70
Source: Banks



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