Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

            } else {
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        LATEST NEWS UPDATES | For Jan Dhan, banks to lend Rs 1.65 lakh cr via overdraft -George Mathew    </title>
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-The Indian Express


The government is aiming to lend Rs 165,000 crore to the poor and unbanked population through the overdraft facility at an interest rate of 11 per cent under its ongoing Jan Dhan financial inclusion programme.


&quot;It is estimated that..."/>
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-The Indian Express


The government is aiming to lend Rs 165,000 crore to the poor and unbanked population through the overdraft facility at an interest rate of 11 per cent under its ongoing Jan Dhan financial inclusion programme.


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    <h1 class="cat-box-title">For Jan Dhan, banks to lend Rs 1.65 lakh cr via overdraft -George Mathew</h1>
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                            <div align="justify">-The Indian Express</div><p align="justify">The government is aiming to lend Rs 165,000 crore to the poor and unbanked population through the overdraft facility at an interest rate of 11 per cent under its ongoing Jan Dhan financial inclusion programme.</p><p align="justify">&quot;It is estimated that there are 18.2 crore basic banking accounts and. by the end of the campaign another 15 crore accounts would get added. An overdraft of Rs 5,000 in each of these translates to a total of Rs 1,65,000 crore,&quot; says a letter issued by the Department of Financial Services, Finance Ministry, to banks.</p><p align="justify">The release of the overdraft facility would be in a phased manner, starting with Rs 1,000 and after observing satisfactory performance of these accounts, the remaining amount would be released by the banks within the next six months. &quot;The rate of interest on these accounts is proposed at 11 per cent (including the fees to be paid to credit guarantee fund). All government benefits will flow to this account - facilitating servicing of interest and reducing the chances of account becoming dormant,&quot; the letter says.</p><p align="justify">The letter says the fourth pillar of the Jan Dhan scheme is the creation of a credit guarantee fund with a corpus of Rs 1,000 crore to provide guarantee against defaults in overdrafts in basic banking accounts. It is proposed to be housed in the National Credit Guarantee Corporation (NCGC).</p><p align="justify">&quot;Using a 1:20 leverage ratio we would need Rs 8,250 crore over a period of time. Hence to begin with, it is proposed to start with a corpus of Rs 1,000 crore. This corpus would be budget neutral for the Government of India and would be funded by the Financial Inclusion Fund (FIF) being maintained by NABARD,&quot; it says. This means the government expects one default for every 20 accounts.</p><p align="justify">As per RBI estimates, up to March 2013, 3.95 million basic banking accounts availed overdraft facility of Rs 155 crore as against 0.18 million accounts and Rs 10 crore in March 2010. However, considering that 182 million such accounts were opened by March 2013, the overdraft facility has been availed in a very small fraction of these accounts. This could be due to the cap of Rs 2,500 for each account, that too on a selective basis. Besides, perceived defaults in such accounts by banks made them shy of lending.</p><p align="justify">According to the DFS letter, this exigency fund should be a great support in meeting basic needs like health, farming etc. The idea is &quot;to bring out people from the clutches of the moneylender&quot; in both rural and urban areas. &quot;Learning to manage this account shall be the first step to larger dosage of credit by creating their credit history. It will help the banks also in credit appraisal for his future needs,&quot; it says.</p><p align="justify">&nbsp;</p>                                                           
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    <br><a href="http://indianexpress.com/article/india/maharashtra/for-jan-dhan-banks-to-lend-rs-1-65-lakh-cr-via-overdraft/99/" class="re" target="_blank">The Indian Express, 29 September, 2014, http://indianexpress.com/article/india/maharashtra/for-jan-dhan-banks-to-lend-rs-1-65-lakh-cr-via-overdraft/99/</a><div class="clear"></div>
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    <h1 class="cat-box-title">For Jan Dhan, banks to lend Rs 1.65 lakh cr via overdraft -George Mathew</h1>
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                            <div align="justify">-The Indian Express</div><p align="justify">The government is aiming to lend Rs 165,000 crore to the poor and unbanked population through the overdraft facility at an interest rate of 11 per cent under its ongoing Jan Dhan financial inclusion programme.</p><p align="justify">&quot;It is estimated that there are 18.2 crore basic banking accounts and. by the end of the campaign another 15 crore accounts would get added. An overdraft of Rs 5,000 in each of these translates to a total of Rs 1,65,000 crore,&quot; says a letter issued by the Department of Financial Services, Finance Ministry, to banks.</p><p align="justify">The release of the overdraft facility would be in a phased manner, starting with Rs 1,000 and after observing satisfactory performance of these accounts, the remaining amount would be released by the banks within the next six months. &quot;The rate of interest on these accounts is proposed at 11 per cent (including the fees to be paid to credit guarantee fund). All government benefits will flow to this account - facilitating servicing of interest and reducing the chances of account becoming dormant,&quot; the letter says.</p><p align="justify">The letter says the fourth pillar of the Jan Dhan scheme is the creation of a credit guarantee fund with a corpus of Rs 1,000 crore to provide guarantee against defaults in overdrafts in basic banking accounts. It is proposed to be housed in the National Credit Guarantee Corporation (NCGC).</p><p align="justify">&quot;Using a 1:20 leverage ratio we would need Rs 8,250 crore over a period of time. Hence to begin with, it is proposed to start with a corpus of Rs 1,000 crore. This corpus would be budget neutral for the Government of India and would be funded by the Financial Inclusion Fund (FIF) being maintained by NABARD,&quot; it says. This means the government expects one default for every 20 accounts.</p><p align="justify">As per RBI estimates, up to March 2013, 3.95 million basic banking accounts availed overdraft facility of Rs 155 crore as against 0.18 million accounts and Rs 10 crore in March 2010. However, considering that 182 million such accounts were opened by March 2013, the overdraft facility has been availed in a very small fraction of these accounts. This could be due to the cap of Rs 2,500 for each account, that too on a selective basis. Besides, perceived defaults in such accounts by banks made them shy of lending.</p><p align="justify">According to the DFS letter, this exigency fund should be a great support in meeting basic needs like health, farming etc. The idea is &quot;to bring out people from the clutches of the moneylender&quot; in both rural and urban areas. &quot;Learning to manage this account shall be the first step to larger dosage of credit by creating their credit history. It will help the banks also in credit appraisal for his future needs,&quot; it says.</p><p align="justify">&nbsp;</p>                                                           
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    <br><a href="http://indianexpress.com/article/india/maharashtra/for-jan-dhan-banks-to-lend-rs-1-65-lakh-cr-via-overdraft/99/" class="re" target="_blank">The Indian Express, 29 September, 2014, http://indianexpress.com/article/india/maharashtra/for-jan-dhan-banks-to-lend-rs-1-65-lakh-cr-via-overdraft/99/</a><div class="clear"></div>
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The government is aiming to lend Rs 165,000 crore to the poor and unbanked population through the overdraft facility at an interest rate of 11 per cent under its ongoing Jan Dhan financial inclusion programme.


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The government is aiming to lend Rs 165,000 crore to the poor and unbanked population through the overdraft facility at an interest rate of 11 per cent under its ongoing Jan Dhan financial inclusion programme.


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    <h1 class="cat-box-title">For Jan Dhan, banks to lend Rs 1.65 lakh cr via overdraft -George Mathew</h1>
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                            <div align="justify">-The Indian Express</div><p align="justify">The government is aiming to lend Rs 165,000 crore to the poor and unbanked population through the overdraft facility at an interest rate of 11 per cent under its ongoing Jan Dhan financial inclusion programme.</p><p align="justify">&quot;It is estimated that there are 18.2 crore basic banking accounts and. by the end of the campaign another 15 crore accounts would get added. An overdraft of Rs 5,000 in each of these translates to a total of Rs 1,65,000 crore,&quot; says a letter issued by the Department of Financial Services, Finance Ministry, to banks.</p><p align="justify">The release of the overdraft facility would be in a phased manner, starting with Rs 1,000 and after observing satisfactory performance of these accounts, the remaining amount would be released by the banks within the next six months. &quot;The rate of interest on these accounts is proposed at 11 per cent (including the fees to be paid to credit guarantee fund). All government benefits will flow to this account - facilitating servicing of interest and reducing the chances of account becoming dormant,&quot; the letter says.</p><p align="justify">The letter says the fourth pillar of the Jan Dhan scheme is the creation of a credit guarantee fund with a corpus of Rs 1,000 crore to provide guarantee against defaults in overdrafts in basic banking accounts. It is proposed to be housed in the National Credit Guarantee Corporation (NCGC).</p><p align="justify">&quot;Using a 1:20 leverage ratio we would need Rs 8,250 crore over a period of time. Hence to begin with, it is proposed to start with a corpus of Rs 1,000 crore. This corpus would be budget neutral for the Government of India and would be funded by the Financial Inclusion Fund (FIF) being maintained by NABARD,&quot; it says. This means the government expects one default for every 20 accounts.</p><p align="justify">As per RBI estimates, up to March 2013, 3.95 million basic banking accounts availed overdraft facility of Rs 155 crore as against 0.18 million accounts and Rs 10 crore in March 2010. However, considering that 182 million such accounts were opened by March 2013, the overdraft facility has been availed in a very small fraction of these accounts. This could be due to the cap of Rs 2,500 for each account, that too on a selective basis. Besides, perceived defaults in such accounts by banks made them shy of lending.</p><p align="justify">According to the DFS letter, this exigency fund should be a great support in meeting basic needs like health, farming etc. The idea is &quot;to bring out people from the clutches of the moneylender&quot; in both rural and urban areas. &quot;Learning to manage this account shall be the first step to larger dosage of credit by creating their credit history. It will help the banks also in credit appraisal for his future needs,&quot; it says.</p><p align="justify">&nbsp;</p>                                                           
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    <br><a href="http://indianexpress.com/article/india/maharashtra/for-jan-dhan-banks-to-lend-rs-1-65-lakh-cr-via-overdraft/99/" class="re" target="_blank">The Indian Express, 29 September, 2014, http://indianexpress.com/article/india/maharashtra/for-jan-dhan-banks-to-lend-rs-1-65-lakh-cr-via-overdraft/99/</a><div class="clear"></div>
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Home हिन्दी

For Jan Dhan, banks to lend Rs 1.65 lakh cr via overdraft -George Mathew

Published on Sep 29, 2014   Modified on Sep 29, 2014

-The Indian Express The government is aiming to lend Rs 165,000 crore to the poor and unbanked population through the overdraft facility at an interest rate of 11 per cent under its ongoing Jan Dhan financial inclusion programme. "It is estimated that there are 18.2 crore basic banking accounts and. by the end of the campaign another 15 crore accounts would get added. An overdraft of Rs 5,000 in each of these translates to a total of Rs 1,65,000 crore," says a letter issued by the Department of Financial Services, Finance Ministry, to banks. The release of the overdraft facility would be in a phased manner, starting with Rs 1,000 and after observing satisfactory performance of these accounts, the remaining amount would be released by the banks within the next six months. "The rate of interest on these accounts is proposed at 11 per cent (including the fees to be paid to credit guarantee fund). All government benefits will flow to this account - facilitating servicing of interest and reducing the chances of account becoming dormant," the letter says. The letter says the fourth pillar of the Jan Dhan scheme is the creation of a credit guarantee fund with a corpus of Rs 1,000 crore to provide guarantee against defaults in overdrafts in basic banking accounts. It is proposed to be housed in the National Credit Guarantee Corporation (NCGC). "Using a 1:20 leverage ratio we would need Rs 8,250 crore over a period of time. Hence to begin with, it is proposed to start with a corpus of Rs 1,000 crore. This corpus would be budget neutral for the Government of India and would be funded by the Financial Inclusion Fund (FIF) being maintained by NABARD," it says. This means the government expects one default for every 20 accounts. As per RBI estimates, up to March 2013, 3.95 million basic banking accounts availed overdraft facility of Rs 155 crore as against 0.18 million accounts and Rs 10 crore in March 2010. However, considering that 182 million such accounts were opened by March 2013, the overdraft facility has been availed in a very small fraction of these accounts. This could be due to the cap of Rs 2,500 for each account, that too on a selective basis. Besides, perceived defaults in such accounts by banks made them shy of lending. According to the DFS letter, this exigency fund should be a great support in meeting basic needs like health, farming etc. The idea is "to bring out people from the clutches of the moneylender" in both rural and urban areas. "Learning to manage this account shall be the first step to larger dosage of credit by creating their credit history. It will help the banks also in credit appraisal for his future needs," it says.

The Indian Express, 29 September, 2014, http://indianexpress.com/article/india/maharashtra/for-jan-dhan-banks-to-lend-rs-1-65-lakh-cr-via-overdraft/99/

Tagged with: Jan Dhan Yojana Financial Inclusion banking

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