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
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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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')) {

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    <meta name="description" content="-The Hindu Business Line

The Centre should build on the success of PMJDY to promote other financial products for the lower sections of society

As the Pradhan Mantri Jan Dhan Yojana (PMJDY) completes its eighth year, it is becoming increasingly clear that..."/>
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The Centre should build on the success of PMJDY to promote other financial products for the lower sections of society

As the Pradhan Mantri Jan Dhan Yojana (PMJDY) completes its eighth year, it is becoming increasingly clear that..." />
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                            <p style="text-align:justify">-The Hindu Business Line</p><p style="text-align:justify"><em>The Centre should build on the success of PMJDY to promote other financial products for the lower sections of society</em></p><p style="text-align:justify">As the Pradhan Mantri Jan Dhan Yojana (PMJDY) completes its eighth year, it is becoming increasingly clear that this is a rare State-initiated welfare scheme that has not just met but exceeded its initial promise. That the scheme has made a material difference to financial inclusion is evident from the consistent increase in its coverage of households, with the number of accounts rising from 17.9 crore in August 2015 to 46.25 crore in August 2022. Contrary to initial criticism that most of the accounts would lie dormant and prove a dead weight on banks, PMJDY accounts have seen healthy activity with inoperative accounts shrinking from 24 per cent in 2015 to 19 per cent now. Against concerns that low-income households would display greater appetite for loans than savings products, these accounts have seen an eight-fold jump in their deposits from 22,900 crore in August 2015 to 1.73 lakh crore in August 2022. While this is still a small fraction of the aggregate CASA balances of Indian banks (over 150 lakh crore), it should be pointed out that account-holders are low-income daily wage earners and informal sector workers. The rapid expansion of PMJDY offers hope that as income levels of the households rise, their bank balances will keep up, presenting the financial services industry with a readymade funnel of bottom-of-the-pyramid customers. It is therefore welcome that the government, having achieved 100 per cent household coverage of PMJDY in most States, is shifting its goalpost to a bank account for every adult.</p><p style="text-align:justify">Please <a href="https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece" title="https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece">click here</a> to read more.&nbsp;</p>                                                           
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    <br><a href="https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece" class="re" target="_blank">The Hindu Business Line, 2 September, 2022, https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece</a><div class="clear"></div>
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                            <p style="text-align:justify">-The Hindu Business Line</p><p style="text-align:justify"><em>The Centre should build on the success of PMJDY to promote other financial products for the lower sections of society</em></p><p style="text-align:justify">As the Pradhan Mantri Jan Dhan Yojana (PMJDY) completes its eighth year, it is becoming increasingly clear that this is a rare State-initiated welfare scheme that has not just met but exceeded its initial promise. That the scheme has made a material difference to financial inclusion is evident from the consistent increase in its coverage of households, with the number of accounts rising from 17.9 crore in August 2015 to 46.25 crore in August 2022. Contrary to initial criticism that most of the accounts would lie dormant and prove a dead weight on banks, PMJDY accounts have seen healthy activity with inoperative accounts shrinking from 24 per cent in 2015 to 19 per cent now. Against concerns that low-income households would display greater appetite for loans than savings products, these accounts have seen an eight-fold jump in their deposits from 22,900 crore in August 2015 to 1.73 lakh crore in August 2022. While this is still a small fraction of the aggregate CASA balances of Indian banks (over 150 lakh crore), it should be pointed out that account-holders are low-income daily wage earners and informal sector workers. The rapid expansion of PMJDY offers hope that as income levels of the households rise, their bank balances will keep up, presenting the financial services industry with a readymade funnel of bottom-of-the-pyramid customers. It is therefore welcome that the government, having achieved 100 per cent household coverage of PMJDY in most States, is shifting its goalpost to a bank account for every adult.</p><p style="text-align:justify">Please <a href="https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece" title="https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece">click here</a> to read more.&nbsp;</p>                                                           
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    <br><a href="https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece" class="re" target="_blank">The Hindu Business Line, 2 September, 2022, https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece</a><div class="clear"></div>
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                            <p style="text-align:justify">-The Hindu Business Line</p><p style="text-align:justify"><em>The Centre should build on the success of PMJDY to promote other financial products for the lower sections of society</em></p><p style="text-align:justify">As the Pradhan Mantri Jan Dhan Yojana (PMJDY) completes its eighth year, it is becoming increasingly clear that this is a rare State-initiated welfare scheme that has not just met but exceeded its initial promise. That the scheme has made a material difference to financial inclusion is evident from the consistent increase in its coverage of households, with the number of accounts rising from 17.9 crore in August 2015 to 46.25 crore in August 2022. Contrary to initial criticism that most of the accounts would lie dormant and prove a dead weight on banks, PMJDY accounts have seen healthy activity with inoperative accounts shrinking from 24 per cent in 2015 to 19 per cent now. Against concerns that low-income households would display greater appetite for loans than savings products, these accounts have seen an eight-fold jump in their deposits from 22,900 crore in August 2015 to 1.73 lakh crore in August 2022. While this is still a small fraction of the aggregate CASA balances of Indian banks (over 150 lakh crore), it should be pointed out that account-holders are low-income daily wage earners and informal sector workers. The rapid expansion of PMJDY offers hope that as income levels of the households rise, their bank balances will keep up, presenting the financial services industry with a readymade funnel of bottom-of-the-pyramid customers. It is therefore welcome that the government, having achieved 100 per cent household coverage of PMJDY in most States, is shifting its goalpost to a bank account for every adult.</p><p style="text-align:justify">Please <a href="https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece" title="https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece">click here</a> to read more.&nbsp;</p>                                                           
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    <br><a href="https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece" class="re" target="_blank">The Hindu Business Line, 2 September, 2022, https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece</a><div class="clear"></div>
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Inclusion success

Published on Sep 2, 2022   Modified on Sep 4, 2022

-The Hindu Business Line The Centre should build on the success of PMJDY to promote other financial products for the lower sections of society As the Pradhan Mantri Jan Dhan Yojana (PMJDY) completes its eighth year, it is becoming increasingly clear that this is a rare State-initiated welfare scheme that has not just met but exceeded its initial promise. That the scheme has made a material difference to financial inclusion is evident from the consistent increase in its coverage of households, with the number of accounts rising from 17.9 crore in August 2015 to 46.25 crore in August 2022. Contrary to initial criticism that most of the accounts would lie dormant and prove a dead weight on banks, PMJDY accounts have seen healthy activity with inoperative accounts shrinking from 24 per cent in 2015 to 19 per cent now. Against concerns that low-income households would display greater appetite for loans than savings products, these accounts have seen an eight-fold jump in their deposits from 22,900 crore in August 2015 to 1.73 lakh crore in August 2022. While this is still a small fraction of the aggregate CASA balances of Indian banks (over 150 lakh crore), it should be pointed out that account-holders are low-income daily wage earners and informal sector workers. The rapid expansion of PMJDY offers hope that as income levels of the households rise, their bank balances will keep up, presenting the financial services industry with a readymade funnel of bottom-of-the-pyramid customers. It is therefore welcome that the government, having achieved 100 per cent household coverage of PMJDY in most States, is shifting its goalpost to a bank account for every adult. Please click here to read more.

The Hindu Business Line, 2 September, 2022, https://www.thehindubusinessline.com/opinion/editorial/successful-inclusion/article65841671.ece

Tagged with: Financial Inclusion Pradhan Mantri Jan Dhan Yojana Jan Dhan Yojana PMJDY

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