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]
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
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
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]
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]
if (Configure::read('debug')) {
trigger_error($message, E_USER_WARNING);
} else {
$response = object(Cake\Http\Response) {
'status' => (int) 200,
'contentType' => 'text/html',
'headers' => [
'Content-Type' => [
[maximum depth reached]
]
],
'file' => null,
'fileRange' => [],
'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
'cacheDirectives' => [],
'body' => '<!DOCTYPE html>
<!--[if lt IE 7 ]>
<html class="ie ie6" lang='en'> <![endif]-->
<!--[if IE 7 ]>
<html class="ie ie7" lang='en'> <![endif]-->
<!--[if IE 8 ]>
<html class="ie ie8" lang='en'> <![endif]-->
<!--[if (gte IE 9)|!(IE)]><!-->
<html lang='en'>
<!--<![endif]-->
<head><meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<title>
LATEST NEWS UPDATES | Narendra Modi's Jan Dhan - what's new? -Debashis Basu </title>
<meta name="description" content="
-The Business Standard
Like Indira Gandhi, even Narendra Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that?
Narendra Modi's biggest project so far is Pradhan Mantri Jan Dhan Yojana (PMJDY),..."/>
<meta name="keywords" content="Below Poverty Line,Jan Dhan Yojana,Financial Inclusion,banking"/>
<meta name="news_keywords" content="Below Poverty Line,Jan Dhan Yojana,Financial Inclusion,banking">
<link rel="alternate" type="application/rss+xml" title="ROR" href="/ror.xml"/>
<link rel="alternate" type="application/rss+xml" title="RSS 2.0" href="/feeds/"/>
<link rel="stylesheet" href="/css/bootstrap.min.css?1697864993"/> <link rel="stylesheet" href="/css/style.css?v=1.1.2"/> <link rel="stylesheet" href="/css/style-inner.css?1577045210"/> <link rel="stylesheet" id="Oswald-css"
href="https://fonts.googleapis.com/css?family=Oswald%3Aregular%2C700&ver=3.8.1" type="text/css"
media="all">
<link rel="stylesheet" href="/css/jquery.modal.min.css?1578285302"/> <script src="/js/jquery-1.10.2.js?1575549704"></script> <script src="/js/jquery-migrate.min.js?1575549704"></script> <link rel="shortcut icon" href="/favicon.ico" title="Favicon">
<link rel="stylesheet" href="/css/jquery-ui.css?1580720609"/> <script src="/js/jquery-ui.js?1575549704"></script> <link rel="preload" as="style" href="https://www.im4change.org/css/custom.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel="preload" as="style" href="https://www.im4change.org/css/jquery.modal.min.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel="preload" as="style" href="https://www.im4change.org/css/jquery-ui.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel="preload" as="style" href="https://www.im4change.org/css/li-scroller.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<!-- <link rel="preload" as="style" href="https://www.im4change.org/css/style.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous"> -->
<link rel="preload" as="style" href="https://www.im4change.org/css/style-inner.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel='dns-prefetch' href="//im4change.org/css/custom.css" crossorigin >
<link rel="preload" as="script" href="https://www.im4change.org/js/bootstrap.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery.li-scroller.1.0.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery.modal.min.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery.ui.totop.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery-1.10.2.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery-migrate.min.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery-ui.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/setting.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/tie-scripts.js">
<!--[if IE]>
<script type="text/javascript">jQuery(document).ready(function () {
jQuery(".menu-item").has("ul").children("a").attr("aria-haspopup", "true");
});</script>
<![endif]-->
<!--[if lt IE 9]>
<script src="/js/html5.js"></script>
<script src="/js/selectivizr-min.js"></script>
<![endif]-->
<!--[if IE 8]>
<link rel="stylesheet" type="text/css" media="all" href="/css/ie8.css"/>
<![endif]-->
<meta property="og:title" content="LATEST NEWS UPDATES | Narendra Modi's Jan Dhan - what's new? -Debashis Basu" />
<meta property="og:url" content="https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html" />
<meta property="og:type" content="article" />
<meta property="og:description" content="
-The Business Standard
Like Indira Gandhi, even Narendra Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that?
Narendra Modi's biggest project so far is Pradhan Mantri Jan Dhan Yojana (PMJDY),..." />
<meta property="og:image" content="" />
<meta property="fb:app_id" content="0" />
<meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=1, user-scalable=no">
<link rel="apple-touch-icon-precomposed" sizes="144x144" href="https://im4change.in/images/apple1.png">
<link rel="apple-touch-icon-precomposed" sizes="120x120" href="https://im4change.in/images/apple2.png">
<link rel="apple-touch-icon-precomposed" sizes="72x72" href="https://im4change.in/images/apple3.png">
<link rel="apple-touch-icon-precomposed" href="https://im4change.in/images/apple4.png">
<style>
.gsc-results-wrapper-overlay{
top: 38% !important;
height: 50% !important;
}
.gsc-search-button-v2{
border-color: #035588 !important;
background-color: #035588 !important;
}
.gsib_a{
height: 30px !important;
padding: 2px 8px 1px 6px !important;
}
.gsc-search-button-v2{
height: 41px !important;
}
input.gsc-input{
background: none !important;
}
@media only screen and (max-width: 600px) {
.gsc-results-wrapper-overlay{
top: 11% !important;
width: 87% !important;
left: 9% !important;
height: 43% !important;
}
.gsc-search-button-v2{
padding: 10px 10px !important;
}
.gsc-input-box{
height: 28px !important;
}
/* .gsib_a {
padding: 0px 9px 4px 9px !important;
}*/
}
@media only screen and (min-width: 1200px) and (max-width: 1920px) {
table.gsc-search-box{
width: 15% !important;
float: right !important;
margin-top: -118px !important;
}
.gsc-search-button-v2 {
padding: 6px !important;
}
}
</style>
<script>
$(function () {
$("#accordion").accordion({
event: "click hoverintent"
});
});
/*
* hoverIntent | Copyright 2011 Brian Cherne
* http://cherne.net/brian/resources/jquery.hoverIntent.html
* modified by the jQuery UI team
*/
$.event.special.hoverintent = {
setup: function () {
$(this).bind("mouseover", jQuery.event.special.hoverintent.handler);
},
teardown: function () {
$(this).unbind("mouseover", jQuery.event.special.hoverintent.handler);
},
handler: function (event) {
var currentX, currentY, timeout,
args = arguments,
target = $(event.target),
previousX = event.pageX,
previousY = event.pageY;
function track(event) {
currentX = event.pageX;
currentY = event.pageY;
}
;
function clear() {
target
.unbind("mousemove", track)
.unbind("mouseout", clear);
clearTimeout(timeout);
}
function handler() {
var prop,
orig = event;
if ((Math.abs(previousX - currentX) +
Math.abs(previousY - currentY)) < 7) {
clear();
event = $.Event("hoverintent");
for (prop in orig) {
if (!(prop in event)) {
event[prop] = orig[prop];
}
}
// Prevent accessing the original event since the new event
// is fired asynchronously and the old event is no longer
// usable (#6028)
delete event.originalEvent;
target.trigger(event);
} else {
previousX = currentX;
previousY = currentY;
timeout = setTimeout(handler, 100);
}
}
timeout = setTimeout(handler, 100);
target.bind({
mousemove: track,
mouseout: clear
});
}
};
</script>
<script type="text/javascript">
var _gaq = _gaq || [];
_gaq.push(['_setAccount', 'UA-472075-3']);
_gaq.push(['_trackPageview']);
(function () {
var ga = document.createElement('script');
ga.type = 'text/javascript';
ga.async = true;
ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js';
var s = document.getElementsByTagName('script')[0];
s.parentNode.insertBefore(ga, s);
})();
</script>
<link rel="stylesheet" href="/css/custom.css?v=1.16"/> <script src="/js/jquery.ui.totop.js?1575549704"></script> <script src="/js/setting.js?1575549704"></script> <link rel="manifest" href="/manifest.json">
<meta name="theme-color" content="#616163" />
<meta name="apple-mobile-web-app-capable" content="yes">
<meta name="apple-mobile-web-app-status-bar-style" content="black">
<meta name="apple-mobile-web-app-title" content="im4change">
<link rel="apple-touch-icon" href="/icons/logo-192x192.png">
</head>
<body id="top" class="home inner blog">
<div class="background-cover"></div>
<div class="wrapper animated">
<header id="theme-header" class="header_inner" style="position: relative;">
<div class="logo inner_logo" style="left:20px !important">
<a title="Home" href="https://im4change.in/">
<img src="https://im4change.in/images/logo2.jpg?1582080632" class="logo_image" alt="im4change"/> </a>
</div>
<div class="langhindi" style="color: #000;display:none;"
href="https://im4change.in/">
<a class="more-link" href="https://im4change.in/">Home</a>
<a href="https://im4change.in/hindi/" class="langbutton ">हिन्दी</a>
</div>
<nav class="fade-in animated2" id="main-nav">
<div class="container">
<div class="main-menu">
<ul class="menu" id="menu-main">
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"
style="left: -40px;"><a
target="_blank" href="https://im4change.in/">Home</a>
</li>
<li class="menu-item mega-menu menu-item-type-taxonomy mega-menu menu-item-object-category mega-menu menu-item-has-children parent-list"
style=" margin-left: -40px;"><a href="#">KNOWLEDGE GATEWAY <span class="sub-indicator"></span>
</a>
<div class="mega-menu-block background_menu" style="padding-top:25px;">
<div class="container">
<div class="mega-menu-content">
<div class="mega-menu-item">
<h3><b>Farm Crisis</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/farmers039-suicides-14.html"
class="left postionrel">Farm Suicides </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/unemployment-30.html"
class="left postionrel">Unemployment </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/rural-distress-70.html"
class="left postionrel">Rural distress </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/migration-34.html"
class="left postionrel">Migration </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/key-facts-72.html"
class="left postionrel">Key Facts </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/debt-trap-15.html"
class="left postionrel">Debt Trap </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Empowerment</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/union-budget-73.html"
class="left postionrel">Union Budget And Other Economic Policies </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/forest-and-tribal-rights-61.html"
class="left postionrel">Forest and Tribal Rights </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-education-60.html"
class="left postionrel">Right to Education </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-food-59.html"
class="left postionrel">Right to Food </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/displacement-3279.html"
class="left postionrel">Displacement </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-work-mg-nrega-39.html"
class="left postionrel">Right to Work (MG-NREGA) </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/gender-3280.html"
class="left postionrel">GENDER </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-information-58.html"
class="left postionrel">Right to Information </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/social-audit-48.html"
class="left postionrel">Social Audit </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Hunger / HDI</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/poverty-and-inequality-20499.html"
class="left postionrel">Poverty and inequality </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/malnutrition-41.html"
class="left postionrel">Malnutrition </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/public-health-51.html"
class="left postionrel">Public Health </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/education-50.html"
class="left postionrel">Education </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/hunger-overview-40.html"
class="left postionrel">Hunger Overview </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/hdi-overview-45.html"
class="left postionrel">HDI Overview </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/pds-ration-food-security-42.html"
class="left postionrel">PDS/ Ration/ Food Security </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/sdgs-113.html"
class="left postionrel">SDGs </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/mid-day-meal-scheme-mdms-53.html"
class="left postionrel">Mid Day Meal Scheme (MDMS) </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Environment</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/environment/time-bomb-ticking-52.html"
class="left postionrel">Time Bomb Ticking </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/environment/water-and-sanitation-55.html"
class="left postionrel">Water and Sanitation </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/environment/impact-on-agriculture-54.html"
class="left postionrel">Impact on Agriculture </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Law & Justice</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/social-justice-20500.html"
class="left postionrel">Social Justice </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/access-to-justice-47.html"
class="left postionrel">Access to Justice </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/human-rights-56.html"
class="left postionrel">Human Rights </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/corruption-35.html"
class="left postionrel">Corruption </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/general-insecurity-46.html"
class="left postionrel">General Insecurity </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/disaster-relief-49.html"
class="left postionrel">Disaster & Relief </a>
</p>
</div>
</div>
</div>
</div>
</li>
<li class="menu-item menu-item-type-post_type menu-item-object-page "><a target="_blank" href="https://im4change.in/nceus_reports.php">NCEUS reports</a>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children parent-list ">
<a target="_blank" href="https://im4change.in/about-us-9.html">About Us <span
class="sub-indicator"></span></a>
<ul class="sub-menu aboutmenu">
<li class="menu-item menu-item-type-post_type menu-item-object-page"><a
target="_blank" href="https://im4change.in/objectives-8.html">Objectives</a>
</li>
<li class="menu-item menu-item-type-post_type menu-item-object-page"><a
target="_blank" href="https://im4change.in/contactus.php">Contact
Us</a></li>
<li class="menu-item menu-item-type-post_type menu-item-object-page"><a
target="_blank" href="https://im4change.in/about-us-9.html">About
Us</a></li>
</ul>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children ">
<a target="_blank" href="https://im4change.in/fellowships.php" title="Fellowships">Fellowships</a>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children "><a
target="_blank" href="https://im4change.in/media-workshops.php">Workshops</a>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children "><a
target="_blank" href="https://im4change.in/research.php">Research</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children "><a
target="_blank" href="https://im4change.in/links-64">Partners</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"
id="menu-item-539"><a target="_blank" href="https://im4change.in/hindi/"
class="langbutton langlinkfont17">हिन्दी</a></li>
</ul>
</div> </div>
<!-- <div style="float: right;">
<script async src="https://cse.google.com/cse.js?cx=18b4f2e0f11bed3dd"></script>
<div class="gcse-search"></div>
</div> -->
<div class="search-block" style=" margin-left: 8px; margin-right: 7px;">
<form method="get" id="searchform" name="searchform"
action="https://im4change.in/search"
onsubmit="return searchvalidate();">
<button class="search-button" type="submit" value="Search"></button>
<input type="text" id="s" name="qryStr" value=""
onfocus="if (this.value == 'Search...') {this.value = '';}"
onblur="if (this.value == '') {this.value = 'Search...';}">
</form>
</div>
</nav>
</header>
<div class="container">
<div id="main-content" class=" main1 container fade-in animated3 sidebar-narrow-left">
<div class="content-wrap">
<div class="content" style="width: 900px;min-height: 500px;">
<section class="cat-box recent-box innerCatRecent">
<h1 class="cat-box-title">Narendra Modi's Jan Dhan - what's new? -Debashis Basu</h1>
<a href="JavaScript:void(0);" onclick="return shareArticle(25828);">
<img src="https://im4change.in/images/email.png?1582080630" border="0" width="24" align="right" alt="Share this article"/> </a>
<a href="https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865/print"
rel="nofollow">
<img src="https://im4change.in/images/icon-print.png?1582080630" border="0" width="24" align="right" alt="Share this article"/>
</a>
</section>
<section class="recent-box innerCatRecent">
<small class="pb-1"><span class="dateIcn">
<img src="https://im4change.in/images/published.svg?1582080666" alt="published"/>
Published on</span><span class="text-date"> Sep 1, 2014</span>
<span
class="dateIcn">
<img src="https://im4change.in/images/modified.svg?1582080666" alt="modified"/> Modified on </span><span class="text-date"> Sep 1, 2014</span>
</small>
</section>
<div class="clear"></div>
<div style="padding-top: 10px;">
<div class="innerLineHeight">
<div class="middleContent innerInput latest-news-updates">
<table>
<tr>
<td>
<div>
<div align="justify">-The Business Standard</div><p align="justify"><em>Like Indira Gandhi, even Narendra Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that?</em></p><p align="justify">Narendra Modi's biggest project so far is Pradhan Mantri Jan Dhan Yojana (PMJDY), an aggressively promoted idea to open bank accounts. The English media ran full-page ads and TV commercials to announce the scheme that is supposed to reach largely rural households. It seemed bold, new - almost pathbreaking. Mr Modi claimed that the scheme has performed a miracle or sorts - a massive mobilisation effort over just two weeks to achieve a feat never attempted and achieved. The mobilisation drive is unprecedented, but is the scheme pathbreaking?</p><p align="justify">The Reserve Bank of India (RBI), ministry of finance and public-sector banks have been trying to do forcible financial inclusion for years now, on which many bright minds and hundreds of crores have been spent. Meanwhile, the government allowed a whole new business segment to come up - microfinance. Microfinance companies have tried to replace the moneylender with an only slightly less usurious business model, funded by venture capital and even the stock market.</p><p align="justify">The PMJDY has no truck with the learnings from any of this. People who have worked in the area of financial inclusion for years have not been seen or heard so far in this mega plan of forcible financial inclusion. I guess the babus know everything. They only need to whip the public-sector bankers to get things done.</p><p align="justify">But, even in design, is the PMJDY something new? Let's look at some of its features.</p><p align="justify">One account per household: Earlier efforts did not target households, we were told in June and July. But read this: "Banks have been advised that the service area bank in rural areas, and banks assigned the responsibility in specific wards in urban areas, ensure that every household has at least one bank account." This is not from the Jan Dhan scheme document, but from a one year-old document by the finance ministry. Targeting households is an old idea.</p><p align="justify">Mobile banking: A second aspect of the project is using mobile banking. Here is a quote from the same 2013 document. "National Payments Corporation of India (NPCI) has worked on a 'common USSD platform' for all banks and telcos who wish to offer the facility of mobile banking using unstructured supplementary service data (USSD)-based mobile banking ... USSD-based mobile banking offers basic banking facilities like money transfer, bill payments, balance enquiries, merchant payments, etc, on a simple GSM-based mobile phone, without the need to download application." Mobile banking is not new, too.</p><p align="justify">Direct benefit transfers (DBT): According to media reports, what drew a lot of unbanked people to the PMJDY was the worry that that they won't get government benefits if they didn't have a bank account. This was a major incentive to open bank accounts. Is this new? The DBT scheme was launched in January 2013 and was being rolled out in phases. Thereafter, the government started the transfer of cash subsidy for domestic LPG cylinders to Aadhaar-linked bank accounts from June 1, 2013. And what is the cornerstone of all this? Bank accounts. Here is what the 2013 finance-ministry document says: "Banks play a key role in implementation of DBT and this involves three important steps." These are the opening of accounts; the seeding of bank accounts with Aadhaar; and undertaking funds transfer using the National Automated Clearing House-Aadhaar Payment Bridge System. Sounds like everything that the PMJDY will be doing? Already laid down in 2013.</p><p align="justify">Banking reach: The government had issued a detailed guideline on financial inclusion back in October 2011, advising banks to open branches in all habitations of 5,000 or more population in under-banked districts and 10,000 or more population in other districts. Out of 3,925 such identified locations, branches have been opened in 3,402 by end of April 2013. All the 129 unbanked blocks identified in the country in July 2009 had been provided with banking facilities by March 2012, according to the finance ministry.</p><p align="justify">Clearly, the PMJDY relies on a lot of work and thinking done over the years. If this work is largely useless, Jan Dhan will not work either. If this work was useful, we must still look for what is new in this scheme. Here are six new aspects of Jan Dhan: accident insurance cover; life insurance cover; overdraft facility; higher incentive for banking correspondents; removing the RBI from monitoring; and, of course, the emergence of Mr Modi.</p><p align="justify">Adding insurance is an obvious feature, which has been tried with other banking products and even with microfinance. The reason it has not been at the centrepiece of a no-frills account for the unbanked is that it involves costs and delivery issues. It was (and still is) unclear who will pay the cost. The overdraft is another cost with uncertain benefits for banks and so was never pushed hard. Banks have been using business correspondents since 2006 for greater financial inclusion. Jan Dhan has increased their compensation - but where will that money come from?</p><p align="justify">That brings us to the two last new factors. Removing the RBI from the scene is a positive. It is bloated, unaccountable and bureaucratic. It does not even properly collect the data essential for informed policies. But that itself will not mean a big success of Jan Dhan.</p><p align="justify">Finally, the propagandist orientation of Mr Modi is a positive for any large scheme. But then, like Indira Gandhi, even Mr Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that? Time will tell.</p><p align="justify"><em>The writer is the editor of www.moneylife.in</em></p>
</div>
</td>
</tr>
</table>
</div>
</div>
</div>
<div class="clear"></div>
<br><a href="http://www.business-standard.com/article/opinion/debashis-basu-narendra-modi-s-jan-dhan-what-s-new-114083100708_1.html#.VAPco7ZUyyI.twitter" class="re" target="_blank">The Business Standard, 31 August, 2014, http://www.business-standard.com/article/opinion/debashis-basu-narendra-modi-s-jan-dhan-what-s-new-114083100708_1.html#.VAPco7ZUyyI.twitter</a><div class="clear"></div>
<div style="padding-top: 18px;">
<p class="post-tag">Tagged with:
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=Below Poverty Line"
title="Below Poverty Line">
Below Poverty Line </a>
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=Jan Dhan Yojana"
title="Jan Dhan Yojana">
Jan Dhan Yojana </a>
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=Financial Inclusion"
title="Financial Inclusion">
Financial Inclusion </a>
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=banking"
title="banking">
banking </a>
</p>
</div>
<div class="clear"></div>
<br><br>
<div class="widget-top">
<h4>Related Articles</h4>
<div class="stripe-line"></div>
</div>
<div class="widget-container">
<ul id="recentcomments">
<li class="recentcomments">
<a href="https://im4change.in/news-alerts-57/nsso-survey-only-39-1-of-all-households-have-drinking-water-within-dwelling-46-7-of-rural-households-use-firewood-for-cooking.html"
title="NSSO Survey: Only 39.1% of all Households have Drinking Water Within Dwelling, 46.7% of Rural Households use Firewood for Cooking">
NSSO Survey: Only 39.1% of all Households have Drinking Water Within Dwelling, 46.7% of Rural Households use Firewood for Cooking </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/banks-eye-rural-loan-growth-to-push-credit-deposit-ratio-mihir-mishra-shayan-ghosh.html"
title="Banks eye Rural loan growth to push credit-deposit ratio - Mihir Mishra, Shayan Ghosh">
Banks eye Rural loan growth to push credit-deposit ratio - Mihir Mishra, Shayan Ghosh </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/financial-inclusion-of-msmes-and-its-impact-on-society-hardika-shah.html"
title="Financial inclusion of MSMEs and its impact on society -Hardika Shah">
Financial inclusion of MSMEs and its impact on society -Hardika Shah </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/about-300-branches-of-psu-banks-to-be-opened-in-these-states-by-dec-2022.html"
title="About 300 branches of PSU banks to be opened in these states by Dec 2022 ">
About 300 branches of PSU banks to be opened in these states by Dec 2022 </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/inclusion-success.html"
title="Inclusion success">
Inclusion success </a>
</li>
</ul>
</div>
<div class="comment-respond" id="respond">
<a name="commentbox"> </a>
<h3 class="comment-reply-title" id="reply-title">Write Comments</h3>
<form method="post" accept-charset="utf-8" role="form" action="/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html"><div style="display:none;"><input type="hidden" name="_method" value="POST"/></div> <form class="comment-form" id="commentform" method="post" action="#commentbox" onSubmit="return validate()"
name="cmtform">
<input type="hidden" name="cmttype" value="articlecmt"/>
<input type="hidden" name="article_id" value="25828"/>
<p class="comment-notes">Your email address will not be published. Required fields are marked <span
class="required">*</span></p>
<p class="comment-form-author">
<label for="commenterName">Name</label>
<span class="required">*</span>
<input type="text" aria-required="true" size="30"
value=""
name="commenterName" id="commenterName" required="true">
</p>
<p class="comment-form-email">
<label for="commenterEmail">Email</label> <span class="required">*</span>
<input aria-required="true" size="30" name="commenterEmail" id="commenterEmail" type="email"
value=""
required="true">
</p>
<p class="comment-form-contact">
<label for="commenterPh">Contact No.</label>
<input type="text" size="30"
value=""
name="commenterPh" id="commenterPh">
</p>
<p class="comment-form-comment">
<label for="comment">Comment</label>
<textarea aria-required="true" required="true" rows="8" cols="45" name="comment"
id="comment"></textarea>
</p>
<p class="comment-form-comment">
<label for="comment">Type the characters you see in the image below <span class="required">*</span><br><img
class="captchaImg"
src="https://im4change.in/securimage_show_art.php?tk=965130082" alt="captcha"/>
</label>
</p>
<input type="text" name="vrcode" required="true"/>
<p class="form-submit" style="width: 200px;">
<input type="submit" value="Post Comment" id="submit" name="submit">
</p></form>
</div>
<style>
.ui-widget-content {
height: auto !important;
}
</style>
<div id="share-modal"></div>
<style>
.middleContent a{
background-color: rgba(108,172,228,.2);
}
.middleContent a:hover{
background-color: #418fde;
border-color: #418fde;
color: #000;
}
</style>
<script>
function shareArticle(article_id) {
var options = {
modal: true,
height: 'auto',
width: 600 + 'px'
};
$('#share-modal').html("");
$('#share-modal').load('https://im4change.in/share_article?article_id=' + article_id).dialog(options).dialog('open');
}
function postShare() {
var param = 'article_id=' + $("#article_id").val();
param = param + '&y_name=' + $("#y_name").val();
param = param + '&y_email=' + $("#y_email").val();
param = param + '&f_name=' + $("#f_name").val();
param = param + '&f_email=' + $("#f_email").val();
param = param + '&y_msg=' + $("#y_msg").val();
$.ajax({
type: "POST",
url: 'https://im4change.in/post_share_article',
data: param,
success: function (response) {
$('#share-modal').html("Thank You, Your message posted to ");
}
});
return false;
}
</script> </div>
</div>
<!-- Right Side Section Start -->
<!-- MAP Section START -->
<aside class="sidebar indexMarg">
<div class="ad-cell">
<a href="https://im4change.in/statemap.php" title="">
<img src="https://im4change.in/images/map_new_version.png?1582080666" alt="India State Map" class="indiamap" width="232" height="252"/> </a>
<div class="rightmapbox">
<div id="sideOne" class="docltitle"><a href="https://im4change.in/state-report/india/36" target="_blank">DOCUMENTS/
REPORTS</a></div>
<div id="sideTwo" class="statetitle"><a href="https://im4change.in/states.php"target="_blank">STATE DATA/
HDRs.</a></div>
</div>
<div class="widget widgePadTop"></div>
</div>
</aside>
<!-- MAP Section END -->
<aside class="sidebar sidePadbottom">
<div class="rightsmlbox1" >
<a href="https://im4change.in/knowledge_gateway" target="_blank" style="color: #035588;
font-size: 17px;">
KNOWLEDGE GATEWAY
</a>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title">
<a href="https://im4change.in/newsletter" target="_blank">
NEWSLETTER
</a>
</p>
</div>
</div>
<div class="rightsmlbox1" style="height: 325px;">
<div>
<p class="rightsmlbox1_title">
Interview with Prof. Ravi Srivastava
</p>
<p class="rightsmlbox1_title">
<a href="https://im4change.in/video/interview-with-prof-ravi-srivastava-on-current-economic-crisis">
<img width="250" height="200" src="/images/interview_video_home.jpg" alt="Interview with Prof. Ravi Srivastava"/>
</a>
<!--
<iframe width="250" height="200" src="https://www.youtube.com/embed/MmaTlntk-wc" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen=""></iframe>-->
</p>
<a href="https://im4change.in/videogallery" class="more-link CatArchalAnch1" target="_blank">
More videos
</a>
</div>
</div>
<div class="rightsmlbox1">
<div>
<!--div id="sstory" class="rightboxicons"></div--->
<p class="rightsmlbox1_title"><a href="https://im4change.in/list-success-stories" target="_blank">Success Stories</a></p>
</div>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title"><a
href="https://im4change.in/interviews" target="_blank">Interviews</a>
</p>
</div>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title"><a href="https://www.commoncause.in/page.php?id=10" >Donate</a></p>
</div>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title"><a
href="https://im4change.in/marquee"
class="isf_link more-link" title="India Focus?" style="border: 4px solid #fdd922;width: 90%;background-color: #fdd922;text-align: center;color: #000000;font-size:18px" target="_blank">India Focus</a></p> </div>
</div>
<div class="rightsmlbox1" style="height: 104px !important;">
<a href="https://im4change.in/quarterly_reports.php" target="_blank">
Quarterly Reports on Effect of Economic Slowdown on Employment in India (2008 - 2015)
</a>
</div>
<!-- <div class="rightsmlbox1">
<a href="https://play.google.com/store/apps/details?id=com.im4.im4change" target="_blank">
</a></div> -->
<!-- <section class="cat-box recent-box secMarg">
<h2 class="cat-box-title">Most Visited</h2>
</section> -->
<!-- accordion Starts here -->
<!-- <div id="accordion" class="accordMarg">
</div> -->
<!-- accordion ends here -->
<!-- Widget Tag Cloud Starts here -->
<div id="tag_cloud-2" class="widget widget_tag_cloud">
<section class="cat-box recent-box secMarg">
<h2 class="cat-box-title">MOST VISITED TAGS</h2>
</section>
<div class="widget-top wiPdTp">
<div class="stripe-line"></div>
</div>
<div class="widget-container">
<div class="tagcloud">
<a href="https://im4change.in/search?qryStr=Agriculture"
target="_blank" class="tag-link-4 font4">Agriculture</a>
<a href="https://im4change.in/search?qryStr=Food Security"
target="_blank" class="tag-link-4 font4">Food Security</a>
<a href="https://im4change.in/search?qryStr=Law and Justice"
target="_blank" class="tag-link-4 font4">Law and Justice</a>
<a href="https://im4change.in/search?qryStr=Health"
target="_blank" class="tag-link-4 font4">Health</a>
<a href="https://im4change.in/search?qryStr=Right to Food"
target="_blank" class="tag-link-4 font4">Right to Food</a>
<a href="https://im4change.in/search?qryStr=Corruption"
target="_blank" class="tag-link-4 font4">Corruption</a>
<a href="https://im4change.in/search?qryStr=farming"
target="_blank" class="tag-link-4 font4">farming</a>
<a href="https://im4change.in/search?qryStr=Environment"
target="_blank" class="tag-link-4 font4">Environment</a>
<a href="https://im4change.in/search?qryStr=Right to Information"
target="_blank" class="tag-link-4 font4">Right to Information</a>
<a href="https://im4change.in/search?qryStr=NREGS"
target="_blank" class="tag-link-4 font4">NREGS</a>
<a href="https://im4change.in/search?qryStr=Human Rights"
target="_blank" class="tag-link-4 font4">Human Rights</a>
<a href="https://im4change.in/search?qryStr=Governance"
target="_blank" class="tag-link-4 font4">Governance</a>
<a href="https://im4change.in/search?qryStr=PDS"
target="_blank" class="tag-link-4 font4">PDS</a>
<a href="https://im4change.in/search?qryStr=COVID-19"
target="_blank" class="tag-link-4 font4">COVID-19</a>
<a href="https://im4change.in/search?qryStr=Land Acquisition"
target="_blank" class="tag-link-4 font4">Land Acquisition</a>
<a href="https://im4change.in/search?qryStr=mgnrega"
target="_blank" class="tag-link-4 font4">mgnrega</a>
<a href="https://im4change.in/search?qryStr=Farmers"
target="_blank" class="tag-link-4 font4">Farmers</a>
<a href="https://im4change.in/search?qryStr=transparency"
target="_blank" class="tag-link-4 font4">transparency</a>
<a href="https://im4change.in/search?qryStr=Gender"
target="_blank" class="tag-link-4 font4">Gender</a>
<a href="https://im4change.in/search?qryStr=Poverty"
target="_blank" class="tag-link-4 font4">Poverty</a>
<a href="https://im4change.in/search?qryStr=Farm Laws" target="_blank" class="tag-link-4 font4">Farm Laws
</a>
<a href="https://im4change.in/search?qryStr=Citizenship Amendment Act" target="_blank" class="tag-link-4 font4">Citizenship Amendment Act
</a>
<a href="https://im4change.in/search?qryStr=CAA NPR NRIC" target="_blank" class="tag-link-4 font4">CAA NPR NRIC
</a>
<a href="https://im4change.in/search?qryStr=Job Losses" target="_blank" class="tag-link-4 font4">Job Losses
</a>
<a href="https://im4change.in/search?qryStr=Migrant Workers" target="_blank" class="tag-link-4 font4">Migrant Workers
</a>
<a href="https://im4change.in/search?qryStr=Unemployment" target="_blank" class="tag-link-4 font4">Unemployment
</a>
<a href="https://im4change.in/search?qryStr=PMGKAY" target="_blank" class="tag-link-4 font4">PMGKAY
</a>
<a href="https://im4change.in/search?qryStr=PM-KISAN" target="_blank" class="tag-link-4 font4">PM-KISAN
</a>
<a href="https://im4change.in/search?qryStr=PM-CARES" target="_blank" class="tag-link-4 font4">PM-CARES
</a>
<a href="https://im4change.in/search?qryStr=LFPR" target="_blank" class="tag-link-4 font4">LFPR
</a>
</div>
</div>
</div>
<!-- Widget Tag Cloud Ends here -->
</aside>
<!-- Right Side Section End -->
</div>
<section class="cat-box cats-review-box footerSec">
<h2 class="cat-box-title vSec CatArcha">Video
Archives</h2>
<h2 class="cat-box-title CatArchaTitle">Archives</h2>
<div class="cat-box-content">
<div class="reviews-cat">
<div class="CatArchaDiv1">
<div class="CatArchaDiv2">
<ul>
<li>
<a href="https://im4change.in/news-alerts-57/moving-upstream-luni-fellowship.html" target="_blank">
Moving Upstream: Luni – Fellowship </a>
</li>
<li>
<a href="https://im4change.in/news-alerts-57/135-million-indians-exited-multidimensional-poverty-as-per-government-figures-is-that-the-same-as-poverty-reduction.html" target="_blank">
135 Million Indians Exited “Multidimensional" Poverty as per Government... </a>
</li>
<li>
<a href="https://im4change.in/news-alerts-57/explainer-why-are-tomato-prices-on-fire.html" target="_blank">
Explainer: Why are Tomato Prices on Fire? </a>
</li>
<li>
<a href="https://im4change.in/news-alerts-57/nsso-survey-only-39-1-of-all-households-have-drinking-water-within-dwelling-46-7-of-rural-households-use-firewood-for-cooking.html" target="_blank">
NSSO Survey: Only 39.1% of all Households have Drinking... </a>
</li>
<li class="CatArchalLi1">
<a href="https://im4change.in/news-alerts-57"
class="more-link CatArchalAnch1" target="_blank">
More...
</a>
</li>
</ul>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/I51LYnP8BOk/1.jpg"
alt=" Im4Change.org हिंदी वेबसाइट का परिचय. Short Video on im4change.org...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Short-Video-on-im4change-Hindi-website-Inclusive-Media-for-Change" target="_blank">
Im4Change.org हिंदी वेबसाइट का परिचय. Short Video on im4change.org... </a>
</p>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/kNqha-SwfIY/1.jpg"
alt=" "Session 1: Scope of IDEA and AgriStack" in Exploring...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Session-1- Scope-of-IDEA-and-AgriStack-in-Exploring-Digitalisation-in-Agriculture-29-April-2022" target="_blank">
"Session 1: Scope of IDEA and AgriStack" in Exploring... </a>
</p>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/6kIVjlgZItk/1.jpg"
alt=" "Session 2: Farmer Centric Digitalisation in Agriculture" in Exploring...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Session-2-Farmer-Centric-Digitalisation-in-Agriculture-in-Exploring-Digitalisation-in-Agriculture-29-April-2022" target="_blank">
"Session 2: Farmer Centric Digitalisation in Agriculture" in Exploring... </a>
</p>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/2BeHTu0y7xc/1.jpg"
alt=" "Session 3: Future of Digitalisation in Agriculture" in Exploring...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Session-3-Future-of-Digitalisation-in-Agriculture-in-Exploring-Digitalisation-in-Agriculture-29-April-2022" target="_blank">
"Session 3: Future of Digitalisation in Agriculture" in Exploring... </a>
</p>
</div>
<div class="divWidth">
<ul class="divWidthMarg">
<li>
<a href="https://im4change.in/video/Public-Spending-on-Agriculture-in-India-Source-Foundation-for-Agrarian-Studies"
title="Public Spending on Agriculture in India (Source: Foundation for Agrarian Studies)" target="_blank">
Public Spending on Agriculture in India (Source: Foundation for...</a>
</li>
<li>
<a href="https://im4change.in/video/Agrarian-Change-Seminar-Protests-against-the-New-Farm-Laws-in-India-by-Prof-Vikas-Rawal-JNU-Source-Journal-Of-Agrarian-Change"
title="Agrarian Change Seminar: 'Protests against the New Farm Laws in India' by Prof. Vikas Rawal, JNU (Source: Journal Of Agrarian Change) " target="_blank">
Agrarian Change Seminar: 'Protests against the New Farm Laws...</a>
</li>
<li>
<a href="https://im4change.in/video/Webinar-Ramrao-The-Story-of-India-Farm-Crisis-Source-Azim-Premji-University"
title="Webinar: Ramrao - The Story of India's Farm Crisis (Source: Azim Premji University)" target="_blank">
Webinar: Ramrao - The Story of India's Farm Crisis...</a>
</li>
<li>
<a href="https://im4change.in/video/water-and-agricultural-transformation-in-India"
title="Water and Agricultural Transformation in India: A Symbiotic Relationship (Source: IGIDR)" target="_blank">
Water and Agricultural Transformation in India: A Symbiotic Relationship...</a>
</li>
<li class="CatArchalLi1">
<a href="https://im4change.in/videogallery"
class="more-link CatArchalAnch1" target="_blank">
More...
</a>
</li>
</ul>
</div>
</div>
</div>
</div>
</section> </div>
<div class="clear"></div>
<!-- Footer option Starts here -->
<div class="footer-bottom fade-in animated4">
<div class="container">
<div class="social-icons icon_flat">
<p class="SocialMargTop"> Website Developed by <a target="_blank" title="Web Development"
class="wot right"
href="http://www.ravinderkhurana.com/" rel="nofollow">
RAVINDErkHURANA.com</a></p>
</div>
<div class="alignleft">
<a
target="_blank" href="https://im4change.in/objectives-8.html"
class="link"
title="Objectives">Objectives</a> | <a
target="_blank" href="https://im4change.in/about-us-9.html"
class="link" title="About Us">About Us</a> | <a
target="_blank" href="https://im4change.in/media-workshops.php"
class="ucwords">Workshops</a> | <a
target="_blank" href="https://im4change.in/disclaimer/disclaimer-149.html"
title="Disclaimer">Disclaimer</a> </div>
</div>
</div>
<!-- Footer option ends here -->
</div>
<div id="connect">
<a target="_blank"
href="http://www.facebook.com/sharer.php?u=https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html"
title="Share on Facebook">
<img src="https://im4change.in/images/Facebook.png?1582080640" alt="share on Facebook" class="ImgBorder"/>
</a><br/>
<a target="_blank"
href="http://twitter.com/share?text=Im4change&url=https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html"
title="Share on Twitter">
<img src="https://im4change.in/images/twitter.png?1582080632" alt="Twitter" class="ImgBorder"/> </a>
<br/>
<a href="/feeds" title="RSS Feed" target="_blank">
<img src="https://im4change.in/images/rss.png?1582080632" alt="RSS" class="ImgBorder"/>
</a>
<br/>
<a class="feedback-link" id="feedbackFormLink" href="#">
<img src="https://im4change.in/images/feedback.png?1582080630" alt="Feedback" class="ImgBorder"/>
</a> <br/>
<a href="javascript:function iprl5(){var d=document,z=d.createElement('scr'+'ipt'),b=d.body,l=d.location;try{if(!b)throw(0);d.title='(Saving...) '+d.title;z.setAttribute('src',l.protocol+'//www.instapaper.com/j/WKrH3R7ORD5p?u='+encodeURIComponent(l.href)+'&t='+(new Date().getTime()));b.appendChild(z);}catch(e){alert('Please wait until the page has loaded.');}}iprl5();void(0)"
class="bookmarklet" onclick="return explain_bookmarklet();">
<img src="https://im4change.in/images/read-it-later.png?1582080632" alt="Read Later" class="ImgBorder"/> </a>
</div>
<!-- Feedback form Starts here -->
<div id="feedbackForm" class="overlay_form" class="ImgBorder">
<h2>Contact Form</h2>
<div id="contactform1">
<div id="formleft">
<form id="submitform" action="/contactus.php" method="post">
<input type="hidden" name="submitform" value="submitform"/>
<input type="hidden" name="salt_key" value="a0e0f2c6a0644a70e57ad2c96829709a"/>
<input type="hidden" name="ref" value="feedback"/>
<fieldset>
<label>Name :</label>
<input type="text" name="name" class="tbox" required/>
</fieldset>
<fieldset>
<label>Email :</label>
<input type="text" name="email" class="tbox" required/>
</fieldset>
<fieldset>
<label>Message :</label>
<textarea rows="5" cols="20" name="message" required></textarea>
</fieldset>
<fieldset>
Please enter security code
<div class="clear"></div>
<input type="text" name="vrcode" class="tbox"/>
</fieldset>
<fieldset>
<input type="submit" class="button" value="Submit"/>
<a href="#" id="closefeedbakcformLink">Close</a>
</fieldset>
</form>
</div>
<div class="clearfix"></div>
</div>
</div>
<div id="donate_popup" class="modal" style="max-width: 800px;">
<table width="100%" border="1">
<tr>
<td colspan="2" align="center">
<b>Support im4change</b>
</td>
</tr>
<tr>
<td width="25%" valign="middle">
<img src="https://im4change.in/images/logo2.jpg?1582080632" alt="" width="100%"/> </td>
<td style="padding-left:10px;padding-top:10px;">
<form action="https://im4change.in/donate" method="get">
<table width="100%" cellpadding="2" cellspacing="2">
<tr>
<td width="33%" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
10
</td>
<td width="33%" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
100
</td>
<td width="33%" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
1000
</td>
</tr>
<tr>
<td colspan="3">
</td>
</tr>
<tr>
<td style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
50
</td>
<td style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
500
</td>
<td style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
<input type="text" name="price" placeholder="?" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
</td>
</tr>
<tr>
<td colspan="3">
</td>
</tr>
<tr>
<td colspan="3" align="right">
<input type="button" name="Pay" value="Pay"
style="width: 200px;background-color: rgb(205, 35, 36);color: #ffffff;"/>
</td>
</tr>
</table>
</form>
</td>
</tr>
</table>
</div><script type='text/javascript'>
/* <![CDATA[ */
var tievar = {'go_to': 'Go to...'};
/* ]]> */
</script>
<script src="/js/tie-scripts.js?1575549704"></script><script src="/js/bootstrap.js?1575549704"></script><script src="/js/jquery.modal.min.js?1578284310"></script><script>
$(document).ready(function() {
// tell the autocomplete function to get its data from our php script
$('#s').autocomplete({
source: "/autocomplete"
});
});
</script>
<script src="/vj-main-sw-register.js" async></script>
<script>function init(){var imgDefer=document.getElementsByTagName('img');for(var i=0;i<imgDefer.length;i++){if(imgDefer[i].getAttribute('data-src')){imgDefer[i].setAttribute('src',imgDefer[i].getAttribute('data-src'))}}}
window.onload=init;</script>
</body>
</html>'
}
$maxBufferLength = (int) 8192
$file = '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php'
$line = (int) 853
$message = 'Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853'
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 48
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39
Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 148]
$response = object(Cake\Http\Response) {
'status' => (int) 200,
'contentType' => 'text/html',
'headers' => [
'Content-Type' => [
[maximum depth reached]
]
],
'file' => null,
'fileRange' => [],
'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
'cacheDirectives' => [],
'body' => '<!DOCTYPE html>
<!--[if lt IE 7 ]>
<html class="ie ie6" lang='en'> <![endif]-->
<!--[if IE 7 ]>
<html class="ie ie7" lang='en'> <![endif]-->
<!--[if IE 8 ]>
<html class="ie ie8" lang='en'> <![endif]-->
<!--[if (gte IE 9)|!(IE)]><!-->
<html lang='en'>
<!--<![endif]-->
<head><meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<title>
LATEST NEWS UPDATES | Narendra Modi's Jan Dhan - what's new? -Debashis Basu </title>
<meta name="description" content="
-The Business Standard
Like Indira Gandhi, even Narendra Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that?
Narendra Modi's biggest project so far is Pradhan Mantri Jan Dhan Yojana (PMJDY),..."/>
<meta name="keywords" content="Below Poverty Line,Jan Dhan Yojana,Financial Inclusion,banking"/>
<meta name="news_keywords" content="Below Poverty Line,Jan Dhan Yojana,Financial Inclusion,banking">
<link rel="alternate" type="application/rss+xml" title="ROR" href="/ror.xml"/>
<link rel="alternate" type="application/rss+xml" title="RSS 2.0" href="/feeds/"/>
<link rel="stylesheet" href="/css/bootstrap.min.css?1697864993"/> <link rel="stylesheet" href="/css/style.css?v=1.1.2"/> <link rel="stylesheet" href="/css/style-inner.css?1577045210"/> <link rel="stylesheet" id="Oswald-css"
href="https://fonts.googleapis.com/css?family=Oswald%3Aregular%2C700&ver=3.8.1" type="text/css"
media="all">
<link rel="stylesheet" href="/css/jquery.modal.min.css?1578285302"/> <script src="/js/jquery-1.10.2.js?1575549704"></script> <script src="/js/jquery-migrate.min.js?1575549704"></script> <link rel="shortcut icon" href="/favicon.ico" title="Favicon">
<link rel="stylesheet" href="/css/jquery-ui.css?1580720609"/> <script src="/js/jquery-ui.js?1575549704"></script> <link rel="preload" as="style" href="https://www.im4change.org/css/custom.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel="preload" as="style" href="https://www.im4change.org/css/jquery.modal.min.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel="preload" as="style" href="https://www.im4change.org/css/jquery-ui.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel="preload" as="style" href="https://www.im4change.org/css/li-scroller.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<!-- <link rel="preload" as="style" href="https://www.im4change.org/css/style.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous"> -->
<link rel="preload" as="style" href="https://www.im4change.org/css/style-inner.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel='dns-prefetch' href="//im4change.org/css/custom.css" crossorigin >
<link rel="preload" as="script" href="https://www.im4change.org/js/bootstrap.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery.li-scroller.1.0.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery.modal.min.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery.ui.totop.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery-1.10.2.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery-migrate.min.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery-ui.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/setting.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/tie-scripts.js">
<!--[if IE]>
<script type="text/javascript">jQuery(document).ready(function () {
jQuery(".menu-item").has("ul").children("a").attr("aria-haspopup", "true");
});</script>
<![endif]-->
<!--[if lt IE 9]>
<script src="/js/html5.js"></script>
<script src="/js/selectivizr-min.js"></script>
<![endif]-->
<!--[if IE 8]>
<link rel="stylesheet" type="text/css" media="all" href="/css/ie8.css"/>
<![endif]-->
<meta property="og:title" content="LATEST NEWS UPDATES | Narendra Modi's Jan Dhan - what's new? -Debashis Basu" />
<meta property="og:url" content="https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html" />
<meta property="og:type" content="article" />
<meta property="og:description" content="
-The Business Standard
Like Indira Gandhi, even Narendra Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that?
Narendra Modi's biggest project so far is Pradhan Mantri Jan Dhan Yojana (PMJDY),..." />
<meta property="og:image" content="" />
<meta property="fb:app_id" content="0" />
<meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=1, user-scalable=no">
<link rel="apple-touch-icon-precomposed" sizes="144x144" href="https://im4change.in/images/apple1.png">
<link rel="apple-touch-icon-precomposed" sizes="120x120" href="https://im4change.in/images/apple2.png">
<link rel="apple-touch-icon-precomposed" sizes="72x72" href="https://im4change.in/images/apple3.png">
<link rel="apple-touch-icon-precomposed" href="https://im4change.in/images/apple4.png">
<style>
.gsc-results-wrapper-overlay{
top: 38% !important;
height: 50% !important;
}
.gsc-search-button-v2{
border-color: #035588 !important;
background-color: #035588 !important;
}
.gsib_a{
height: 30px !important;
padding: 2px 8px 1px 6px !important;
}
.gsc-search-button-v2{
height: 41px !important;
}
input.gsc-input{
background: none !important;
}
@media only screen and (max-width: 600px) {
.gsc-results-wrapper-overlay{
top: 11% !important;
width: 87% !important;
left: 9% !important;
height: 43% !important;
}
.gsc-search-button-v2{
padding: 10px 10px !important;
}
.gsc-input-box{
height: 28px !important;
}
/* .gsib_a {
padding: 0px 9px 4px 9px !important;
}*/
}
@media only screen and (min-width: 1200px) and (max-width: 1920px) {
table.gsc-search-box{
width: 15% !important;
float: right !important;
margin-top: -118px !important;
}
.gsc-search-button-v2 {
padding: 6px !important;
}
}
</style>
<script>
$(function () {
$("#accordion").accordion({
event: "click hoverintent"
});
});
/*
* hoverIntent | Copyright 2011 Brian Cherne
* http://cherne.net/brian/resources/jquery.hoverIntent.html
* modified by the jQuery UI team
*/
$.event.special.hoverintent = {
setup: function () {
$(this).bind("mouseover", jQuery.event.special.hoverintent.handler);
},
teardown: function () {
$(this).unbind("mouseover", jQuery.event.special.hoverintent.handler);
},
handler: function (event) {
var currentX, currentY, timeout,
args = arguments,
target = $(event.target),
previousX = event.pageX,
previousY = event.pageY;
function track(event) {
currentX = event.pageX;
currentY = event.pageY;
}
;
function clear() {
target
.unbind("mousemove", track)
.unbind("mouseout", clear);
clearTimeout(timeout);
}
function handler() {
var prop,
orig = event;
if ((Math.abs(previousX - currentX) +
Math.abs(previousY - currentY)) < 7) {
clear();
event = $.Event("hoverintent");
for (prop in orig) {
if (!(prop in event)) {
event[prop] = orig[prop];
}
}
// Prevent accessing the original event since the new event
// is fired asynchronously and the old event is no longer
// usable (#6028)
delete event.originalEvent;
target.trigger(event);
} else {
previousX = currentX;
previousY = currentY;
timeout = setTimeout(handler, 100);
}
}
timeout = setTimeout(handler, 100);
target.bind({
mousemove: track,
mouseout: clear
});
}
};
</script>
<script type="text/javascript">
var _gaq = _gaq || [];
_gaq.push(['_setAccount', 'UA-472075-3']);
_gaq.push(['_trackPageview']);
(function () {
var ga = document.createElement('script');
ga.type = 'text/javascript';
ga.async = true;
ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js';
var s = document.getElementsByTagName('script')[0];
s.parentNode.insertBefore(ga, s);
})();
</script>
<link rel="stylesheet" href="/css/custom.css?v=1.16"/> <script src="/js/jquery.ui.totop.js?1575549704"></script> <script src="/js/setting.js?1575549704"></script> <link rel="manifest" href="/manifest.json">
<meta name="theme-color" content="#616163" />
<meta name="apple-mobile-web-app-capable" content="yes">
<meta name="apple-mobile-web-app-status-bar-style" content="black">
<meta name="apple-mobile-web-app-title" content="im4change">
<link rel="apple-touch-icon" href="/icons/logo-192x192.png">
</head>
<body id="top" class="home inner blog">
<div class="background-cover"></div>
<div class="wrapper animated">
<header id="theme-header" class="header_inner" style="position: relative;">
<div class="logo inner_logo" style="left:20px !important">
<a title="Home" href="https://im4change.in/">
<img src="https://im4change.in/images/logo2.jpg?1582080632" class="logo_image" alt="im4change"/> </a>
</div>
<div class="langhindi" style="color: #000;display:none;"
href="https://im4change.in/">
<a class="more-link" href="https://im4change.in/">Home</a>
<a href="https://im4change.in/hindi/" class="langbutton ">हिन्दी</a>
</div>
<nav class="fade-in animated2" id="main-nav">
<div class="container">
<div class="main-menu">
<ul class="menu" id="menu-main">
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"
style="left: -40px;"><a
target="_blank" href="https://im4change.in/">Home</a>
</li>
<li class="menu-item mega-menu menu-item-type-taxonomy mega-menu menu-item-object-category mega-menu menu-item-has-children parent-list"
style=" margin-left: -40px;"><a href="#">KNOWLEDGE GATEWAY <span class="sub-indicator"></span>
</a>
<div class="mega-menu-block background_menu" style="padding-top:25px;">
<div class="container">
<div class="mega-menu-content">
<div class="mega-menu-item">
<h3><b>Farm Crisis</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/farmers039-suicides-14.html"
class="left postionrel">Farm Suicides </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/unemployment-30.html"
class="left postionrel">Unemployment </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/rural-distress-70.html"
class="left postionrel">Rural distress </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/migration-34.html"
class="left postionrel">Migration </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/key-facts-72.html"
class="left postionrel">Key Facts </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/debt-trap-15.html"
class="left postionrel">Debt Trap </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Empowerment</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/union-budget-73.html"
class="left postionrel">Union Budget And Other Economic Policies </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/forest-and-tribal-rights-61.html"
class="left postionrel">Forest and Tribal Rights </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-education-60.html"
class="left postionrel">Right to Education </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-food-59.html"
class="left postionrel">Right to Food </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/displacement-3279.html"
class="left postionrel">Displacement </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-work-mg-nrega-39.html"
class="left postionrel">Right to Work (MG-NREGA) </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/gender-3280.html"
class="left postionrel">GENDER </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-information-58.html"
class="left postionrel">Right to Information </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/social-audit-48.html"
class="left postionrel">Social Audit </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Hunger / HDI</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/poverty-and-inequality-20499.html"
class="left postionrel">Poverty and inequality </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/malnutrition-41.html"
class="left postionrel">Malnutrition </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/public-health-51.html"
class="left postionrel">Public Health </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/education-50.html"
class="left postionrel">Education </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/hunger-overview-40.html"
class="left postionrel">Hunger Overview </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/hdi-overview-45.html"
class="left postionrel">HDI Overview </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/pds-ration-food-security-42.html"
class="left postionrel">PDS/ Ration/ Food Security </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/sdgs-113.html"
class="left postionrel">SDGs </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/mid-day-meal-scheme-mdms-53.html"
class="left postionrel">Mid Day Meal Scheme (MDMS) </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Environment</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/environment/time-bomb-ticking-52.html"
class="left postionrel">Time Bomb Ticking </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/environment/water-and-sanitation-55.html"
class="left postionrel">Water and Sanitation </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/environment/impact-on-agriculture-54.html"
class="left postionrel">Impact on Agriculture </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Law & Justice</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/social-justice-20500.html"
class="left postionrel">Social Justice </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/access-to-justice-47.html"
class="left postionrel">Access to Justice </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/human-rights-56.html"
class="left postionrel">Human Rights </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/corruption-35.html"
class="left postionrel">Corruption </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/general-insecurity-46.html"
class="left postionrel">General Insecurity </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/disaster-relief-49.html"
class="left postionrel">Disaster & Relief </a>
</p>
</div>
</div>
</div>
</div>
</li>
<li class="menu-item menu-item-type-post_type menu-item-object-page "><a target="_blank" href="https://im4change.in/nceus_reports.php">NCEUS reports</a>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children parent-list ">
<a target="_blank" href="https://im4change.in/about-us-9.html">About Us <span
class="sub-indicator"></span></a>
<ul class="sub-menu aboutmenu">
<li class="menu-item menu-item-type-post_type menu-item-object-page"><a
target="_blank" href="https://im4change.in/objectives-8.html">Objectives</a>
</li>
<li class="menu-item menu-item-type-post_type menu-item-object-page"><a
target="_blank" href="https://im4change.in/contactus.php">Contact
Us</a></li>
<li class="menu-item menu-item-type-post_type menu-item-object-page"><a
target="_blank" href="https://im4change.in/about-us-9.html">About
Us</a></li>
</ul>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children ">
<a target="_blank" href="https://im4change.in/fellowships.php" title="Fellowships">Fellowships</a>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children "><a
target="_blank" href="https://im4change.in/media-workshops.php">Workshops</a>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children "><a
target="_blank" href="https://im4change.in/research.php">Research</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children "><a
target="_blank" href="https://im4change.in/links-64">Partners</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"
id="menu-item-539"><a target="_blank" href="https://im4change.in/hindi/"
class="langbutton langlinkfont17">हिन्दी</a></li>
</ul>
</div> </div>
<!-- <div style="float: right;">
<script async src="https://cse.google.com/cse.js?cx=18b4f2e0f11bed3dd"></script>
<div class="gcse-search"></div>
</div> -->
<div class="search-block" style=" margin-left: 8px; margin-right: 7px;">
<form method="get" id="searchform" name="searchform"
action="https://im4change.in/search"
onsubmit="return searchvalidate();">
<button class="search-button" type="submit" value="Search"></button>
<input type="text" id="s" name="qryStr" value=""
onfocus="if (this.value == 'Search...') {this.value = '';}"
onblur="if (this.value == '') {this.value = 'Search...';}">
</form>
</div>
</nav>
</header>
<div class="container">
<div id="main-content" class=" main1 container fade-in animated3 sidebar-narrow-left">
<div class="content-wrap">
<div class="content" style="width: 900px;min-height: 500px;">
<section class="cat-box recent-box innerCatRecent">
<h1 class="cat-box-title">Narendra Modi's Jan Dhan - what's new? -Debashis Basu</h1>
<a href="JavaScript:void(0);" onclick="return shareArticle(25828);">
<img src="https://im4change.in/images/email.png?1582080630" border="0" width="24" align="right" alt="Share this article"/> </a>
<a href="https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865/print"
rel="nofollow">
<img src="https://im4change.in/images/icon-print.png?1582080630" border="0" width="24" align="right" alt="Share this article"/>
</a>
</section>
<section class="recent-box innerCatRecent">
<small class="pb-1"><span class="dateIcn">
<img src="https://im4change.in/images/published.svg?1582080666" alt="published"/>
Published on</span><span class="text-date"> Sep 1, 2014</span>
<span
class="dateIcn">
<img src="https://im4change.in/images/modified.svg?1582080666" alt="modified"/> Modified on </span><span class="text-date"> Sep 1, 2014</span>
</small>
</section>
<div class="clear"></div>
<div style="padding-top: 10px;">
<div class="innerLineHeight">
<div class="middleContent innerInput latest-news-updates">
<table>
<tr>
<td>
<div>
<div align="justify">-The Business Standard</div><p align="justify"><em>Like Indira Gandhi, even Narendra Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that?</em></p><p align="justify">Narendra Modi's biggest project so far is Pradhan Mantri Jan Dhan Yojana (PMJDY), an aggressively promoted idea to open bank accounts. The English media ran full-page ads and TV commercials to announce the scheme that is supposed to reach largely rural households. It seemed bold, new - almost pathbreaking. Mr Modi claimed that the scheme has performed a miracle or sorts - a massive mobilisation effort over just two weeks to achieve a feat never attempted and achieved. The mobilisation drive is unprecedented, but is the scheme pathbreaking?</p><p align="justify">The Reserve Bank of India (RBI), ministry of finance and public-sector banks have been trying to do forcible financial inclusion for years now, on which many bright minds and hundreds of crores have been spent. Meanwhile, the government allowed a whole new business segment to come up - microfinance. Microfinance companies have tried to replace the moneylender with an only slightly less usurious business model, funded by venture capital and even the stock market.</p><p align="justify">The PMJDY has no truck with the learnings from any of this. People who have worked in the area of financial inclusion for years have not been seen or heard so far in this mega plan of forcible financial inclusion. I guess the babus know everything. They only need to whip the public-sector bankers to get things done.</p><p align="justify">But, even in design, is the PMJDY something new? Let's look at some of its features.</p><p align="justify">One account per household: Earlier efforts did not target households, we were told in June and July. But read this: "Banks have been advised that the service area bank in rural areas, and banks assigned the responsibility in specific wards in urban areas, ensure that every household has at least one bank account." This is not from the Jan Dhan scheme document, but from a one year-old document by the finance ministry. Targeting households is an old idea.</p><p align="justify">Mobile banking: A second aspect of the project is using mobile banking. Here is a quote from the same 2013 document. "National Payments Corporation of India (NPCI) has worked on a 'common USSD platform' for all banks and telcos who wish to offer the facility of mobile banking using unstructured supplementary service data (USSD)-based mobile banking ... USSD-based mobile banking offers basic banking facilities like money transfer, bill payments, balance enquiries, merchant payments, etc, on a simple GSM-based mobile phone, without the need to download application." Mobile banking is not new, too.</p><p align="justify">Direct benefit transfers (DBT): According to media reports, what drew a lot of unbanked people to the PMJDY was the worry that that they won't get government benefits if they didn't have a bank account. This was a major incentive to open bank accounts. Is this new? The DBT scheme was launched in January 2013 and was being rolled out in phases. Thereafter, the government started the transfer of cash subsidy for domestic LPG cylinders to Aadhaar-linked bank accounts from June 1, 2013. And what is the cornerstone of all this? Bank accounts. Here is what the 2013 finance-ministry document says: "Banks play a key role in implementation of DBT and this involves three important steps." These are the opening of accounts; the seeding of bank accounts with Aadhaar; and undertaking funds transfer using the National Automated Clearing House-Aadhaar Payment Bridge System. Sounds like everything that the PMJDY will be doing? Already laid down in 2013.</p><p align="justify">Banking reach: The government had issued a detailed guideline on financial inclusion back in October 2011, advising banks to open branches in all habitations of 5,000 or more population in under-banked districts and 10,000 or more population in other districts. Out of 3,925 such identified locations, branches have been opened in 3,402 by end of April 2013. All the 129 unbanked blocks identified in the country in July 2009 had been provided with banking facilities by March 2012, according to the finance ministry.</p><p align="justify">Clearly, the PMJDY relies on a lot of work and thinking done over the years. If this work is largely useless, Jan Dhan will not work either. If this work was useful, we must still look for what is new in this scheme. Here are six new aspects of Jan Dhan: accident insurance cover; life insurance cover; overdraft facility; higher incentive for banking correspondents; removing the RBI from monitoring; and, of course, the emergence of Mr Modi.</p><p align="justify">Adding insurance is an obvious feature, which has been tried with other banking products and even with microfinance. The reason it has not been at the centrepiece of a no-frills account for the unbanked is that it involves costs and delivery issues. It was (and still is) unclear who will pay the cost. The overdraft is another cost with uncertain benefits for banks and so was never pushed hard. Banks have been using business correspondents since 2006 for greater financial inclusion. Jan Dhan has increased their compensation - but where will that money come from?</p><p align="justify">That brings us to the two last new factors. Removing the RBI from the scene is a positive. It is bloated, unaccountable and bureaucratic. It does not even properly collect the data essential for informed policies. But that itself will not mean a big success of Jan Dhan.</p><p align="justify">Finally, the propagandist orientation of Mr Modi is a positive for any large scheme. But then, like Indira Gandhi, even Mr Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that? Time will tell.</p><p align="justify"><em>The writer is the editor of www.moneylife.in</em></p>
</div>
</td>
</tr>
</table>
</div>
</div>
</div>
<div class="clear"></div>
<br><a href="http://www.business-standard.com/article/opinion/debashis-basu-narendra-modi-s-jan-dhan-what-s-new-114083100708_1.html#.VAPco7ZUyyI.twitter" class="re" target="_blank">The Business Standard, 31 August, 2014, http://www.business-standard.com/article/opinion/debashis-basu-narendra-modi-s-jan-dhan-what-s-new-114083100708_1.html#.VAPco7ZUyyI.twitter</a><div class="clear"></div>
<div style="padding-top: 18px;">
<p class="post-tag">Tagged with:
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=Below Poverty Line"
title="Below Poverty Line">
Below Poverty Line </a>
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=Jan Dhan Yojana"
title="Jan Dhan Yojana">
Jan Dhan Yojana </a>
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=Financial Inclusion"
title="Financial Inclusion">
Financial Inclusion </a>
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=banking"
title="banking">
banking </a>
</p>
</div>
<div class="clear"></div>
<br><br>
<div class="widget-top">
<h4>Related Articles</h4>
<div class="stripe-line"></div>
</div>
<div class="widget-container">
<ul id="recentcomments">
<li class="recentcomments">
<a href="https://im4change.in/news-alerts-57/nsso-survey-only-39-1-of-all-households-have-drinking-water-within-dwelling-46-7-of-rural-households-use-firewood-for-cooking.html"
title="NSSO Survey: Only 39.1% of all Households have Drinking Water Within Dwelling, 46.7% of Rural Households use Firewood for Cooking">
NSSO Survey: Only 39.1% of all Households have Drinking Water Within Dwelling, 46.7% of Rural Households use Firewood for Cooking </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/banks-eye-rural-loan-growth-to-push-credit-deposit-ratio-mihir-mishra-shayan-ghosh.html"
title="Banks eye Rural loan growth to push credit-deposit ratio - Mihir Mishra, Shayan Ghosh">
Banks eye Rural loan growth to push credit-deposit ratio - Mihir Mishra, Shayan Ghosh </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/financial-inclusion-of-msmes-and-its-impact-on-society-hardika-shah.html"
title="Financial inclusion of MSMEs and its impact on society -Hardika Shah">
Financial inclusion of MSMEs and its impact on society -Hardika Shah </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/about-300-branches-of-psu-banks-to-be-opened-in-these-states-by-dec-2022.html"
title="About 300 branches of PSU banks to be opened in these states by Dec 2022 ">
About 300 branches of PSU banks to be opened in these states by Dec 2022 </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/inclusion-success.html"
title="Inclusion success">
Inclusion success </a>
</li>
</ul>
</div>
<div class="comment-respond" id="respond">
<a name="commentbox"> </a>
<h3 class="comment-reply-title" id="reply-title">Write Comments</h3>
<form method="post" accept-charset="utf-8" role="form" action="/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html"><div style="display:none;"><input type="hidden" name="_method" value="POST"/></div> <form class="comment-form" id="commentform" method="post" action="#commentbox" onSubmit="return validate()"
name="cmtform">
<input type="hidden" name="cmttype" value="articlecmt"/>
<input type="hidden" name="article_id" value="25828"/>
<p class="comment-notes">Your email address will not be published. Required fields are marked <span
class="required">*</span></p>
<p class="comment-form-author">
<label for="commenterName">Name</label>
<span class="required">*</span>
<input type="text" aria-required="true" size="30"
value=""
name="commenterName" id="commenterName" required="true">
</p>
<p class="comment-form-email">
<label for="commenterEmail">Email</label> <span class="required">*</span>
<input aria-required="true" size="30" name="commenterEmail" id="commenterEmail" type="email"
value=""
required="true">
</p>
<p class="comment-form-contact">
<label for="commenterPh">Contact No.</label>
<input type="text" size="30"
value=""
name="commenterPh" id="commenterPh">
</p>
<p class="comment-form-comment">
<label for="comment">Comment</label>
<textarea aria-required="true" required="true" rows="8" cols="45" name="comment"
id="comment"></textarea>
</p>
<p class="comment-form-comment">
<label for="comment">Type the characters you see in the image below <span class="required">*</span><br><img
class="captchaImg"
src="https://im4change.in/securimage_show_art.php?tk=965130082" alt="captcha"/>
</label>
</p>
<input type="text" name="vrcode" required="true"/>
<p class="form-submit" style="width: 200px;">
<input type="submit" value="Post Comment" id="submit" name="submit">
</p></form>
</div>
<style>
.ui-widget-content {
height: auto !important;
}
</style>
<div id="share-modal"></div>
<style>
.middleContent a{
background-color: rgba(108,172,228,.2);
}
.middleContent a:hover{
background-color: #418fde;
border-color: #418fde;
color: #000;
}
</style>
<script>
function shareArticle(article_id) {
var options = {
modal: true,
height: 'auto',
width: 600 + 'px'
};
$('#share-modal').html("");
$('#share-modal').load('https://im4change.in/share_article?article_id=' + article_id).dialog(options).dialog('open');
}
function postShare() {
var param = 'article_id=' + $("#article_id").val();
param = param + '&y_name=' + $("#y_name").val();
param = param + '&y_email=' + $("#y_email").val();
param = param + '&f_name=' + $("#f_name").val();
param = param + '&f_email=' + $("#f_email").val();
param = param + '&y_msg=' + $("#y_msg").val();
$.ajax({
type: "POST",
url: 'https://im4change.in/post_share_article',
data: param,
success: function (response) {
$('#share-modal').html("Thank You, Your message posted to ");
}
});
return false;
}
</script> </div>
</div>
<!-- Right Side Section Start -->
<!-- MAP Section START -->
<aside class="sidebar indexMarg">
<div class="ad-cell">
<a href="https://im4change.in/statemap.php" title="">
<img src="https://im4change.in/images/map_new_version.png?1582080666" alt="India State Map" class="indiamap" width="232" height="252"/> </a>
<div class="rightmapbox">
<div id="sideOne" class="docltitle"><a href="https://im4change.in/state-report/india/36" target="_blank">DOCUMENTS/
REPORTS</a></div>
<div id="sideTwo" class="statetitle"><a href="https://im4change.in/states.php"target="_blank">STATE DATA/
HDRs.</a></div>
</div>
<div class="widget widgePadTop"></div>
</div>
</aside>
<!-- MAP Section END -->
<aside class="sidebar sidePadbottom">
<div class="rightsmlbox1" >
<a href="https://im4change.in/knowledge_gateway" target="_blank" style="color: #035588;
font-size: 17px;">
KNOWLEDGE GATEWAY
</a>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title">
<a href="https://im4change.in/newsletter" target="_blank">
NEWSLETTER
</a>
</p>
</div>
</div>
<div class="rightsmlbox1" style="height: 325px;">
<div>
<p class="rightsmlbox1_title">
Interview with Prof. Ravi Srivastava
</p>
<p class="rightsmlbox1_title">
<a href="https://im4change.in/video/interview-with-prof-ravi-srivastava-on-current-economic-crisis">
<img width="250" height="200" src="/images/interview_video_home.jpg" alt="Interview with Prof. Ravi Srivastava"/>
</a>
<!--
<iframe width="250" height="200" src="https://www.youtube.com/embed/MmaTlntk-wc" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen=""></iframe>-->
</p>
<a href="https://im4change.in/videogallery" class="more-link CatArchalAnch1" target="_blank">
More videos
</a>
</div>
</div>
<div class="rightsmlbox1">
<div>
<!--div id="sstory" class="rightboxicons"></div--->
<p class="rightsmlbox1_title"><a href="https://im4change.in/list-success-stories" target="_blank">Success Stories</a></p>
</div>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title"><a
href="https://im4change.in/interviews" target="_blank">Interviews</a>
</p>
</div>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title"><a href="https://www.commoncause.in/page.php?id=10" >Donate</a></p>
</div>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title"><a
href="https://im4change.in/marquee"
class="isf_link more-link" title="India Focus?" style="border: 4px solid #fdd922;width: 90%;background-color: #fdd922;text-align: center;color: #000000;font-size:18px" target="_blank">India Focus</a></p> </div>
</div>
<div class="rightsmlbox1" style="height: 104px !important;">
<a href="https://im4change.in/quarterly_reports.php" target="_blank">
Quarterly Reports on Effect of Economic Slowdown on Employment in India (2008 - 2015)
</a>
</div>
<!-- <div class="rightsmlbox1">
<a href="https://play.google.com/store/apps/details?id=com.im4.im4change" target="_blank">
</a></div> -->
<!-- <section class="cat-box recent-box secMarg">
<h2 class="cat-box-title">Most Visited</h2>
</section> -->
<!-- accordion Starts here -->
<!-- <div id="accordion" class="accordMarg">
</div> -->
<!-- accordion ends here -->
<!-- Widget Tag Cloud Starts here -->
<div id="tag_cloud-2" class="widget widget_tag_cloud">
<section class="cat-box recent-box secMarg">
<h2 class="cat-box-title">MOST VISITED TAGS</h2>
</section>
<div class="widget-top wiPdTp">
<div class="stripe-line"></div>
</div>
<div class="widget-container">
<div class="tagcloud">
<a href="https://im4change.in/search?qryStr=Agriculture"
target="_blank" class="tag-link-4 font4">Agriculture</a>
<a href="https://im4change.in/search?qryStr=Food Security"
target="_blank" class="tag-link-4 font4">Food Security</a>
<a href="https://im4change.in/search?qryStr=Law and Justice"
target="_blank" class="tag-link-4 font4">Law and Justice</a>
<a href="https://im4change.in/search?qryStr=Health"
target="_blank" class="tag-link-4 font4">Health</a>
<a href="https://im4change.in/search?qryStr=Right to Food"
target="_blank" class="tag-link-4 font4">Right to Food</a>
<a href="https://im4change.in/search?qryStr=Corruption"
target="_blank" class="tag-link-4 font4">Corruption</a>
<a href="https://im4change.in/search?qryStr=farming"
target="_blank" class="tag-link-4 font4">farming</a>
<a href="https://im4change.in/search?qryStr=Environment"
target="_blank" class="tag-link-4 font4">Environment</a>
<a href="https://im4change.in/search?qryStr=Right to Information"
target="_blank" class="tag-link-4 font4">Right to Information</a>
<a href="https://im4change.in/search?qryStr=NREGS"
target="_blank" class="tag-link-4 font4">NREGS</a>
<a href="https://im4change.in/search?qryStr=Human Rights"
target="_blank" class="tag-link-4 font4">Human Rights</a>
<a href="https://im4change.in/search?qryStr=Governance"
target="_blank" class="tag-link-4 font4">Governance</a>
<a href="https://im4change.in/search?qryStr=PDS"
target="_blank" class="tag-link-4 font4">PDS</a>
<a href="https://im4change.in/search?qryStr=COVID-19"
target="_blank" class="tag-link-4 font4">COVID-19</a>
<a href="https://im4change.in/search?qryStr=Land Acquisition"
target="_blank" class="tag-link-4 font4">Land Acquisition</a>
<a href="https://im4change.in/search?qryStr=mgnrega"
target="_blank" class="tag-link-4 font4">mgnrega</a>
<a href="https://im4change.in/search?qryStr=Farmers"
target="_blank" class="tag-link-4 font4">Farmers</a>
<a href="https://im4change.in/search?qryStr=transparency"
target="_blank" class="tag-link-4 font4">transparency</a>
<a href="https://im4change.in/search?qryStr=Gender"
target="_blank" class="tag-link-4 font4">Gender</a>
<a href="https://im4change.in/search?qryStr=Poverty"
target="_blank" class="tag-link-4 font4">Poverty</a>
<a href="https://im4change.in/search?qryStr=Farm Laws" target="_blank" class="tag-link-4 font4">Farm Laws
</a>
<a href="https://im4change.in/search?qryStr=Citizenship Amendment Act" target="_blank" class="tag-link-4 font4">Citizenship Amendment Act
</a>
<a href="https://im4change.in/search?qryStr=CAA NPR NRIC" target="_blank" class="tag-link-4 font4">CAA NPR NRIC
</a>
<a href="https://im4change.in/search?qryStr=Job Losses" target="_blank" class="tag-link-4 font4">Job Losses
</a>
<a href="https://im4change.in/search?qryStr=Migrant Workers" target="_blank" class="tag-link-4 font4">Migrant Workers
</a>
<a href="https://im4change.in/search?qryStr=Unemployment" target="_blank" class="tag-link-4 font4">Unemployment
</a>
<a href="https://im4change.in/search?qryStr=PMGKAY" target="_blank" class="tag-link-4 font4">PMGKAY
</a>
<a href="https://im4change.in/search?qryStr=PM-KISAN" target="_blank" class="tag-link-4 font4">PM-KISAN
</a>
<a href="https://im4change.in/search?qryStr=PM-CARES" target="_blank" class="tag-link-4 font4">PM-CARES
</a>
<a href="https://im4change.in/search?qryStr=LFPR" target="_blank" class="tag-link-4 font4">LFPR
</a>
</div>
</div>
</div>
<!-- Widget Tag Cloud Ends here -->
</aside>
<!-- Right Side Section End -->
</div>
<section class="cat-box cats-review-box footerSec">
<h2 class="cat-box-title vSec CatArcha">Video
Archives</h2>
<h2 class="cat-box-title CatArchaTitle">Archives</h2>
<div class="cat-box-content">
<div class="reviews-cat">
<div class="CatArchaDiv1">
<div class="CatArchaDiv2">
<ul>
<li>
<a href="https://im4change.in/news-alerts-57/moving-upstream-luni-fellowship.html" target="_blank">
Moving Upstream: Luni – Fellowship </a>
</li>
<li>
<a href="https://im4change.in/news-alerts-57/135-million-indians-exited-multidimensional-poverty-as-per-government-figures-is-that-the-same-as-poverty-reduction.html" target="_blank">
135 Million Indians Exited “Multidimensional" Poverty as per Government... </a>
</li>
<li>
<a href="https://im4change.in/news-alerts-57/explainer-why-are-tomato-prices-on-fire.html" target="_blank">
Explainer: Why are Tomato Prices on Fire? </a>
</li>
<li>
<a href="https://im4change.in/news-alerts-57/nsso-survey-only-39-1-of-all-households-have-drinking-water-within-dwelling-46-7-of-rural-households-use-firewood-for-cooking.html" target="_blank">
NSSO Survey: Only 39.1% of all Households have Drinking... </a>
</li>
<li class="CatArchalLi1">
<a href="https://im4change.in/news-alerts-57"
class="more-link CatArchalAnch1" target="_blank">
More...
</a>
</li>
</ul>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/I51LYnP8BOk/1.jpg"
alt=" Im4Change.org हिंदी वेबसाइट का परिचय. Short Video on im4change.org...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Short-Video-on-im4change-Hindi-website-Inclusive-Media-for-Change" target="_blank">
Im4Change.org हिंदी वेबसाइट का परिचय. Short Video on im4change.org... </a>
</p>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/kNqha-SwfIY/1.jpg"
alt=" "Session 1: Scope of IDEA and AgriStack" in Exploring...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Session-1- Scope-of-IDEA-and-AgriStack-in-Exploring-Digitalisation-in-Agriculture-29-April-2022" target="_blank">
"Session 1: Scope of IDEA and AgriStack" in Exploring... </a>
</p>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/6kIVjlgZItk/1.jpg"
alt=" "Session 2: Farmer Centric Digitalisation in Agriculture" in Exploring...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Session-2-Farmer-Centric-Digitalisation-in-Agriculture-in-Exploring-Digitalisation-in-Agriculture-29-April-2022" target="_blank">
"Session 2: Farmer Centric Digitalisation in Agriculture" in Exploring... </a>
</p>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/2BeHTu0y7xc/1.jpg"
alt=" "Session 3: Future of Digitalisation in Agriculture" in Exploring...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Session-3-Future-of-Digitalisation-in-Agriculture-in-Exploring-Digitalisation-in-Agriculture-29-April-2022" target="_blank">
"Session 3: Future of Digitalisation in Agriculture" in Exploring... </a>
</p>
</div>
<div class="divWidth">
<ul class="divWidthMarg">
<li>
<a href="https://im4change.in/video/Public-Spending-on-Agriculture-in-India-Source-Foundation-for-Agrarian-Studies"
title="Public Spending on Agriculture in India (Source: Foundation for Agrarian Studies)" target="_blank">
Public Spending on Agriculture in India (Source: Foundation for...</a>
</li>
<li>
<a href="https://im4change.in/video/Agrarian-Change-Seminar-Protests-against-the-New-Farm-Laws-in-India-by-Prof-Vikas-Rawal-JNU-Source-Journal-Of-Agrarian-Change"
title="Agrarian Change Seminar: 'Protests against the New Farm Laws in India' by Prof. Vikas Rawal, JNU (Source: Journal Of Agrarian Change) " target="_blank">
Agrarian Change Seminar: 'Protests against the New Farm Laws...</a>
</li>
<li>
<a href="https://im4change.in/video/Webinar-Ramrao-The-Story-of-India-Farm-Crisis-Source-Azim-Premji-University"
title="Webinar: Ramrao - The Story of India's Farm Crisis (Source: Azim Premji University)" target="_blank">
Webinar: Ramrao - The Story of India's Farm Crisis...</a>
</li>
<li>
<a href="https://im4change.in/video/water-and-agricultural-transformation-in-India"
title="Water and Agricultural Transformation in India: A Symbiotic Relationship (Source: IGIDR)" target="_blank">
Water and Agricultural Transformation in India: A Symbiotic Relationship...</a>
</li>
<li class="CatArchalLi1">
<a href="https://im4change.in/videogallery"
class="more-link CatArchalAnch1" target="_blank">
More...
</a>
</li>
</ul>
</div>
</div>
</div>
</div>
</section> </div>
<div class="clear"></div>
<!-- Footer option Starts here -->
<div class="footer-bottom fade-in animated4">
<div class="container">
<div class="social-icons icon_flat">
<p class="SocialMargTop"> Website Developed by <a target="_blank" title="Web Development"
class="wot right"
href="http://www.ravinderkhurana.com/" rel="nofollow">
RAVINDErkHURANA.com</a></p>
</div>
<div class="alignleft">
<a
target="_blank" href="https://im4change.in/objectives-8.html"
class="link"
title="Objectives">Objectives</a> | <a
target="_blank" href="https://im4change.in/about-us-9.html"
class="link" title="About Us">About Us</a> | <a
target="_blank" href="https://im4change.in/media-workshops.php"
class="ucwords">Workshops</a> | <a
target="_blank" href="https://im4change.in/disclaimer/disclaimer-149.html"
title="Disclaimer">Disclaimer</a> </div>
</div>
</div>
<!-- Footer option ends here -->
</div>
<div id="connect">
<a target="_blank"
href="http://www.facebook.com/sharer.php?u=https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html"
title="Share on Facebook">
<img src="https://im4change.in/images/Facebook.png?1582080640" alt="share on Facebook" class="ImgBorder"/>
</a><br/>
<a target="_blank"
href="http://twitter.com/share?text=Im4change&url=https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html"
title="Share on Twitter">
<img src="https://im4change.in/images/twitter.png?1582080632" alt="Twitter" class="ImgBorder"/> </a>
<br/>
<a href="/feeds" title="RSS Feed" target="_blank">
<img src="https://im4change.in/images/rss.png?1582080632" alt="RSS" class="ImgBorder"/>
</a>
<br/>
<a class="feedback-link" id="feedbackFormLink" href="#">
<img src="https://im4change.in/images/feedback.png?1582080630" alt="Feedback" class="ImgBorder"/>
</a> <br/>
<a href="javascript:function iprl5(){var d=document,z=d.createElement('scr'+'ipt'),b=d.body,l=d.location;try{if(!b)throw(0);d.title='(Saving...) '+d.title;z.setAttribute('src',l.protocol+'//www.instapaper.com/j/WKrH3R7ORD5p?u='+encodeURIComponent(l.href)+'&t='+(new Date().getTime()));b.appendChild(z);}catch(e){alert('Please wait until the page has loaded.');}}iprl5();void(0)"
class="bookmarklet" onclick="return explain_bookmarklet();">
<img src="https://im4change.in/images/read-it-later.png?1582080632" alt="Read Later" class="ImgBorder"/> </a>
</div>
<!-- Feedback form Starts here -->
<div id="feedbackForm" class="overlay_form" class="ImgBorder">
<h2>Contact Form</h2>
<div id="contactform1">
<div id="formleft">
<form id="submitform" action="/contactus.php" method="post">
<input type="hidden" name="submitform" value="submitform"/>
<input type="hidden" name="salt_key" value="a0e0f2c6a0644a70e57ad2c96829709a"/>
<input type="hidden" name="ref" value="feedback"/>
<fieldset>
<label>Name :</label>
<input type="text" name="name" class="tbox" required/>
</fieldset>
<fieldset>
<label>Email :</label>
<input type="text" name="email" class="tbox" required/>
</fieldset>
<fieldset>
<label>Message :</label>
<textarea rows="5" cols="20" name="message" required></textarea>
</fieldset>
<fieldset>
Please enter security code
<div class="clear"></div>
<input type="text" name="vrcode" class="tbox"/>
</fieldset>
<fieldset>
<input type="submit" class="button" value="Submit"/>
<a href="#" id="closefeedbakcformLink">Close</a>
</fieldset>
</form>
</div>
<div class="clearfix"></div>
</div>
</div>
<div id="donate_popup" class="modal" style="max-width: 800px;">
<table width="100%" border="1">
<tr>
<td colspan="2" align="center">
<b>Support im4change</b>
</td>
</tr>
<tr>
<td width="25%" valign="middle">
<img src="https://im4change.in/images/logo2.jpg?1582080632" alt="" width="100%"/> </td>
<td style="padding-left:10px;padding-top:10px;">
<form action="https://im4change.in/donate" method="get">
<table width="100%" cellpadding="2" cellspacing="2">
<tr>
<td width="33%" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
10
</td>
<td width="33%" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
100
</td>
<td width="33%" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
1000
</td>
</tr>
<tr>
<td colspan="3">
</td>
</tr>
<tr>
<td style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
50
</td>
<td style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
500
</td>
<td style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
<input type="text" name="price" placeholder="?" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
</td>
</tr>
<tr>
<td colspan="3">
</td>
</tr>
<tr>
<td colspan="3" align="right">
<input type="button" name="Pay" value="Pay"
style="width: 200px;background-color: rgb(205, 35, 36);color: #ffffff;"/>
</td>
</tr>
</table>
</form>
</td>
</tr>
</table>
</div><script type='text/javascript'>
/* <![CDATA[ */
var tievar = {'go_to': 'Go to...'};
/* ]]> */
</script>
<script src="/js/tie-scripts.js?1575549704"></script><script src="/js/bootstrap.js?1575549704"></script><script src="/js/jquery.modal.min.js?1578284310"></script><script>
$(document).ready(function() {
// tell the autocomplete function to get its data from our php script
$('#s').autocomplete({
source: "/autocomplete"
});
});
</script>
<script src="/vj-main-sw-register.js" async></script>
<script>function init(){var imgDefer=document.getElementsByTagName('img');for(var i=0;i<imgDefer.length;i++){if(imgDefer[i].getAttribute('data-src')){imgDefer[i].setAttribute('src',imgDefer[i].getAttribute('data-src'))}}}
window.onload=init;</script>
</body>
</html>'
}
$reasonPhrase = 'OK'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitStatusLine() - CORE/src/Http/ResponseEmitter.php, line 148
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 54
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39
Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 181]
$response = object(Cake\Http\Response) {
'status' => (int) 200,
'contentType' => 'text/html',
'headers' => [
'Content-Type' => [
[maximum depth reached]
]
],
'file' => null,
'fileRange' => [],
'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
'cacheDirectives' => [],
'body' => '<!DOCTYPE html>
<!--[if lt IE 7 ]>
<html class="ie ie6" lang='en'> <![endif]-->
<!--[if IE 7 ]>
<html class="ie ie7" lang='en'> <![endif]-->
<!--[if IE 8 ]>
<html class="ie ie8" lang='en'> <![endif]-->
<!--[if (gte IE 9)|!(IE)]><!-->
<html lang='en'>
<!--<![endif]-->
<head><meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<title>
LATEST NEWS UPDATES | Narendra Modi's Jan Dhan - what's new? -Debashis Basu </title>
<meta name="description" content="
-The Business Standard
Like Indira Gandhi, even Narendra Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that?
Narendra Modi's biggest project so far is Pradhan Mantri Jan Dhan Yojana (PMJDY),..."/>
<meta name="keywords" content="Below Poverty Line,Jan Dhan Yojana,Financial Inclusion,banking"/>
<meta name="news_keywords" content="Below Poverty Line,Jan Dhan Yojana,Financial Inclusion,banking">
<link rel="alternate" type="application/rss+xml" title="ROR" href="/ror.xml"/>
<link rel="alternate" type="application/rss+xml" title="RSS 2.0" href="/feeds/"/>
<link rel="stylesheet" href="/css/bootstrap.min.css?1697864993"/> <link rel="stylesheet" href="/css/style.css?v=1.1.2"/> <link rel="stylesheet" href="/css/style-inner.css?1577045210"/> <link rel="stylesheet" id="Oswald-css"
href="https://fonts.googleapis.com/css?family=Oswald%3Aregular%2C700&ver=3.8.1" type="text/css"
media="all">
<link rel="stylesheet" href="/css/jquery.modal.min.css?1578285302"/> <script src="/js/jquery-1.10.2.js?1575549704"></script> <script src="/js/jquery-migrate.min.js?1575549704"></script> <link rel="shortcut icon" href="/favicon.ico" title="Favicon">
<link rel="stylesheet" href="/css/jquery-ui.css?1580720609"/> <script src="/js/jquery-ui.js?1575549704"></script> <link rel="preload" as="style" href="https://www.im4change.org/css/custom.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel="preload" as="style" href="https://www.im4change.org/css/jquery.modal.min.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel="preload" as="style" href="https://www.im4change.org/css/jquery-ui.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel="preload" as="style" href="https://www.im4change.org/css/li-scroller.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<!-- <link rel="preload" as="style" href="https://www.im4change.org/css/style.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous"> -->
<link rel="preload" as="style" href="https://www.im4change.org/css/style-inner.css" onload="this.rel='stylesheet'" media="all" crossorigin="anonymous">
<link rel='dns-prefetch' href="//im4change.org/css/custom.css" crossorigin >
<link rel="preload" as="script" href="https://www.im4change.org/js/bootstrap.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery.li-scroller.1.0.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery.modal.min.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery.ui.totop.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery-1.10.2.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery-migrate.min.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/jquery-ui.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/setting.js">
<link rel="preload" as="script" href="https://www.im4change.org/js/tie-scripts.js">
<!--[if IE]>
<script type="text/javascript">jQuery(document).ready(function () {
jQuery(".menu-item").has("ul").children("a").attr("aria-haspopup", "true");
});</script>
<![endif]-->
<!--[if lt IE 9]>
<script src="/js/html5.js"></script>
<script src="/js/selectivizr-min.js"></script>
<![endif]-->
<!--[if IE 8]>
<link rel="stylesheet" type="text/css" media="all" href="/css/ie8.css"/>
<![endif]-->
<meta property="og:title" content="LATEST NEWS UPDATES | Narendra Modi's Jan Dhan - what's new? -Debashis Basu" />
<meta property="og:url" content="https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html" />
<meta property="og:type" content="article" />
<meta property="og:description" content="
-The Business Standard
Like Indira Gandhi, even Narendra Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that?
Narendra Modi's biggest project so far is Pradhan Mantri Jan Dhan Yojana (PMJDY),..." />
<meta property="og:image" content="" />
<meta property="fb:app_id" content="0" />
<meta name="viewport" content="width=device-width, initial-scale=1, maximum-scale=1, user-scalable=no">
<link rel="apple-touch-icon-precomposed" sizes="144x144" href="https://im4change.in/images/apple1.png">
<link rel="apple-touch-icon-precomposed" sizes="120x120" href="https://im4change.in/images/apple2.png">
<link rel="apple-touch-icon-precomposed" sizes="72x72" href="https://im4change.in/images/apple3.png">
<link rel="apple-touch-icon-precomposed" href="https://im4change.in/images/apple4.png">
<style>
.gsc-results-wrapper-overlay{
top: 38% !important;
height: 50% !important;
}
.gsc-search-button-v2{
border-color: #035588 !important;
background-color: #035588 !important;
}
.gsib_a{
height: 30px !important;
padding: 2px 8px 1px 6px !important;
}
.gsc-search-button-v2{
height: 41px !important;
}
input.gsc-input{
background: none !important;
}
@media only screen and (max-width: 600px) {
.gsc-results-wrapper-overlay{
top: 11% !important;
width: 87% !important;
left: 9% !important;
height: 43% !important;
}
.gsc-search-button-v2{
padding: 10px 10px !important;
}
.gsc-input-box{
height: 28px !important;
}
/* .gsib_a {
padding: 0px 9px 4px 9px !important;
}*/
}
@media only screen and (min-width: 1200px) and (max-width: 1920px) {
table.gsc-search-box{
width: 15% !important;
float: right !important;
margin-top: -118px !important;
}
.gsc-search-button-v2 {
padding: 6px !important;
}
}
</style>
<script>
$(function () {
$("#accordion").accordion({
event: "click hoverintent"
});
});
/*
* hoverIntent | Copyright 2011 Brian Cherne
* http://cherne.net/brian/resources/jquery.hoverIntent.html
* modified by the jQuery UI team
*/
$.event.special.hoverintent = {
setup: function () {
$(this).bind("mouseover", jQuery.event.special.hoverintent.handler);
},
teardown: function () {
$(this).unbind("mouseover", jQuery.event.special.hoverintent.handler);
},
handler: function (event) {
var currentX, currentY, timeout,
args = arguments,
target = $(event.target),
previousX = event.pageX,
previousY = event.pageY;
function track(event) {
currentX = event.pageX;
currentY = event.pageY;
}
;
function clear() {
target
.unbind("mousemove", track)
.unbind("mouseout", clear);
clearTimeout(timeout);
}
function handler() {
var prop,
orig = event;
if ((Math.abs(previousX - currentX) +
Math.abs(previousY - currentY)) < 7) {
clear();
event = $.Event("hoverintent");
for (prop in orig) {
if (!(prop in event)) {
event[prop] = orig[prop];
}
}
// Prevent accessing the original event since the new event
// is fired asynchronously and the old event is no longer
// usable (#6028)
delete event.originalEvent;
target.trigger(event);
} else {
previousX = currentX;
previousY = currentY;
timeout = setTimeout(handler, 100);
}
}
timeout = setTimeout(handler, 100);
target.bind({
mousemove: track,
mouseout: clear
});
}
};
</script>
<script type="text/javascript">
var _gaq = _gaq || [];
_gaq.push(['_setAccount', 'UA-472075-3']);
_gaq.push(['_trackPageview']);
(function () {
var ga = document.createElement('script');
ga.type = 'text/javascript';
ga.async = true;
ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js';
var s = document.getElementsByTagName('script')[0];
s.parentNode.insertBefore(ga, s);
})();
</script>
<link rel="stylesheet" href="/css/custom.css?v=1.16"/> <script src="/js/jquery.ui.totop.js?1575549704"></script> <script src="/js/setting.js?1575549704"></script> <link rel="manifest" href="/manifest.json">
<meta name="theme-color" content="#616163" />
<meta name="apple-mobile-web-app-capable" content="yes">
<meta name="apple-mobile-web-app-status-bar-style" content="black">
<meta name="apple-mobile-web-app-title" content="im4change">
<link rel="apple-touch-icon" href="/icons/logo-192x192.png">
</head>
<body id="top" class="home inner blog">
<div class="background-cover"></div>
<div class="wrapper animated">
<header id="theme-header" class="header_inner" style="position: relative;">
<div class="logo inner_logo" style="left:20px !important">
<a title="Home" href="https://im4change.in/">
<img src="https://im4change.in/images/logo2.jpg?1582080632" class="logo_image" alt="im4change"/> </a>
</div>
<div class="langhindi" style="color: #000;display:none;"
href="https://im4change.in/">
<a class="more-link" href="https://im4change.in/">Home</a>
<a href="https://im4change.in/hindi/" class="langbutton ">हिन्दी</a>
</div>
<nav class="fade-in animated2" id="main-nav">
<div class="container">
<div class="main-menu">
<ul class="menu" id="menu-main">
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"
style="left: -40px;"><a
target="_blank" href="https://im4change.in/">Home</a>
</li>
<li class="menu-item mega-menu menu-item-type-taxonomy mega-menu menu-item-object-category mega-menu menu-item-has-children parent-list"
style=" margin-left: -40px;"><a href="#">KNOWLEDGE GATEWAY <span class="sub-indicator"></span>
</a>
<div class="mega-menu-block background_menu" style="padding-top:25px;">
<div class="container">
<div class="mega-menu-content">
<div class="mega-menu-item">
<h3><b>Farm Crisis</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/farmers039-suicides-14.html"
class="left postionrel">Farm Suicides </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/unemployment-30.html"
class="left postionrel">Unemployment </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/rural-distress-70.html"
class="left postionrel">Rural distress </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/migration-34.html"
class="left postionrel">Migration </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/key-facts-72.html"
class="left postionrel">Key Facts </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/farm-crisis/debt-trap-15.html"
class="left postionrel">Debt Trap </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Empowerment</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/union-budget-73.html"
class="left postionrel">Union Budget And Other Economic Policies </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/forest-and-tribal-rights-61.html"
class="left postionrel">Forest and Tribal Rights </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-education-60.html"
class="left postionrel">Right to Education </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-food-59.html"
class="left postionrel">Right to Food </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/displacement-3279.html"
class="left postionrel">Displacement </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-work-mg-nrega-39.html"
class="left postionrel">Right to Work (MG-NREGA) </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/gender-3280.html"
class="left postionrel">GENDER </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/right-to-information-58.html"
class="left postionrel">Right to Information </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/empowerment/social-audit-48.html"
class="left postionrel">Social Audit </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Hunger / HDI</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/poverty-and-inequality-20499.html"
class="left postionrel">Poverty and inequality </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/malnutrition-41.html"
class="left postionrel">Malnutrition </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/public-health-51.html"
class="left postionrel">Public Health </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/education-50.html"
class="left postionrel">Education </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/hunger-overview-40.html"
class="left postionrel">Hunger Overview </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/hdi-overview-45.html"
class="left postionrel">HDI Overview </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/pds-ration-food-security-42.html"
class="left postionrel">PDS/ Ration/ Food Security </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/sdgs-113.html"
class="left postionrel">SDGs </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/hunger-hdi/mid-day-meal-scheme-mdms-53.html"
class="left postionrel">Mid Day Meal Scheme (MDMS) </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Environment</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/environment/time-bomb-ticking-52.html"
class="left postionrel">Time Bomb Ticking </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/environment/water-and-sanitation-55.html"
class="left postionrel">Water and Sanitation </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/environment/impact-on-agriculture-54.html"
class="left postionrel">Impact on Agriculture </a>
</p>
</div>
<div class="mega-menu-item">
<h3><b>Law & Justice</b></h3>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/social-justice-20500.html"
class="left postionrel">Social Justice </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/access-to-justice-47.html"
class="left postionrel">Access to Justice </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/human-rights-56.html"
class="left postionrel">Human Rights </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/corruption-35.html"
class="left postionrel">Corruption </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/general-insecurity-46.html"
class="left postionrel">General Insecurity </a>
</p>
<p style="padding-left:5px;">
<a target="_blank" href="https://im4change.in/law-justice/disaster-relief-49.html"
class="left postionrel">Disaster & Relief </a>
</p>
</div>
</div>
</div>
</div>
</li>
<li class="menu-item menu-item-type-post_type menu-item-object-page "><a target="_blank" href="https://im4change.in/nceus_reports.php">NCEUS reports</a>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children parent-list ">
<a target="_blank" href="https://im4change.in/about-us-9.html">About Us <span
class="sub-indicator"></span></a>
<ul class="sub-menu aboutmenu">
<li class="menu-item menu-item-type-post_type menu-item-object-page"><a
target="_blank" href="https://im4change.in/objectives-8.html">Objectives</a>
</li>
<li class="menu-item menu-item-type-post_type menu-item-object-page"><a
target="_blank" href="https://im4change.in/contactus.php">Contact
Us</a></li>
<li class="menu-item menu-item-type-post_type menu-item-object-page"><a
target="_blank" href="https://im4change.in/about-us-9.html">About
Us</a></li>
</ul>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children ">
<a target="_blank" href="https://im4change.in/fellowships.php" title="Fellowships">Fellowships</a>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children "><a
target="_blank" href="https://im4change.in/media-workshops.php">Workshops</a>
</li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children "><a
target="_blank" href="https://im4change.in/research.php">Research</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children "><a
target="_blank" href="https://im4change.in/links-64">Partners</a></li>
<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children"
id="menu-item-539"><a target="_blank" href="https://im4change.in/hindi/"
class="langbutton langlinkfont17">हिन्दी</a></li>
</ul>
</div> </div>
<!-- <div style="float: right;">
<script async src="https://cse.google.com/cse.js?cx=18b4f2e0f11bed3dd"></script>
<div class="gcse-search"></div>
</div> -->
<div class="search-block" style=" margin-left: 8px; margin-right: 7px;">
<form method="get" id="searchform" name="searchform"
action="https://im4change.in/search"
onsubmit="return searchvalidate();">
<button class="search-button" type="submit" value="Search"></button>
<input type="text" id="s" name="qryStr" value=""
onfocus="if (this.value == 'Search...') {this.value = '';}"
onblur="if (this.value == '') {this.value = 'Search...';}">
</form>
</div>
</nav>
</header>
<div class="container">
<div id="main-content" class=" main1 container fade-in animated3 sidebar-narrow-left">
<div class="content-wrap">
<div class="content" style="width: 900px;min-height: 500px;">
<section class="cat-box recent-box innerCatRecent">
<h1 class="cat-box-title">Narendra Modi's Jan Dhan - what's new? -Debashis Basu</h1>
<a href="JavaScript:void(0);" onclick="return shareArticle(25828);">
<img src="https://im4change.in/images/email.png?1582080630" border="0" width="24" align="right" alt="Share this article"/> </a>
<a href="https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865/print"
rel="nofollow">
<img src="https://im4change.in/images/icon-print.png?1582080630" border="0" width="24" align="right" alt="Share this article"/>
</a>
</section>
<section class="recent-box innerCatRecent">
<small class="pb-1"><span class="dateIcn">
<img src="https://im4change.in/images/published.svg?1582080666" alt="published"/>
Published on</span><span class="text-date"> Sep 1, 2014</span>
<span
class="dateIcn">
<img src="https://im4change.in/images/modified.svg?1582080666" alt="modified"/> Modified on </span><span class="text-date"> Sep 1, 2014</span>
</small>
</section>
<div class="clear"></div>
<div style="padding-top: 10px;">
<div class="innerLineHeight">
<div class="middleContent innerInput latest-news-updates">
<table>
<tr>
<td>
<div>
<div align="justify">-The Business Standard</div><p align="justify"><em>Like Indira Gandhi, even Narendra Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that?</em></p><p align="justify">Narendra Modi's biggest project so far is Pradhan Mantri Jan Dhan Yojana (PMJDY), an aggressively promoted idea to open bank accounts. The English media ran full-page ads and TV commercials to announce the scheme that is supposed to reach largely rural households. It seemed bold, new - almost pathbreaking. Mr Modi claimed that the scheme has performed a miracle or sorts - a massive mobilisation effort over just two weeks to achieve a feat never attempted and achieved. The mobilisation drive is unprecedented, but is the scheme pathbreaking?</p><p align="justify">The Reserve Bank of India (RBI), ministry of finance and public-sector banks have been trying to do forcible financial inclusion for years now, on which many bright minds and hundreds of crores have been spent. Meanwhile, the government allowed a whole new business segment to come up - microfinance. Microfinance companies have tried to replace the moneylender with an only slightly less usurious business model, funded by venture capital and even the stock market.</p><p align="justify">The PMJDY has no truck with the learnings from any of this. People who have worked in the area of financial inclusion for years have not been seen or heard so far in this mega plan of forcible financial inclusion. I guess the babus know everything. They only need to whip the public-sector bankers to get things done.</p><p align="justify">But, even in design, is the PMJDY something new? Let's look at some of its features.</p><p align="justify">One account per household: Earlier efforts did not target households, we were told in June and July. But read this: "Banks have been advised that the service area bank in rural areas, and banks assigned the responsibility in specific wards in urban areas, ensure that every household has at least one bank account." This is not from the Jan Dhan scheme document, but from a one year-old document by the finance ministry. Targeting households is an old idea.</p><p align="justify">Mobile banking: A second aspect of the project is using mobile banking. Here is a quote from the same 2013 document. "National Payments Corporation of India (NPCI) has worked on a 'common USSD platform' for all banks and telcos who wish to offer the facility of mobile banking using unstructured supplementary service data (USSD)-based mobile banking ... USSD-based mobile banking offers basic banking facilities like money transfer, bill payments, balance enquiries, merchant payments, etc, on a simple GSM-based mobile phone, without the need to download application." Mobile banking is not new, too.</p><p align="justify">Direct benefit transfers (DBT): According to media reports, what drew a lot of unbanked people to the PMJDY was the worry that that they won't get government benefits if they didn't have a bank account. This was a major incentive to open bank accounts. Is this new? The DBT scheme was launched in January 2013 and was being rolled out in phases. Thereafter, the government started the transfer of cash subsidy for domestic LPG cylinders to Aadhaar-linked bank accounts from June 1, 2013. And what is the cornerstone of all this? Bank accounts. Here is what the 2013 finance-ministry document says: "Banks play a key role in implementation of DBT and this involves three important steps." These are the opening of accounts; the seeding of bank accounts with Aadhaar; and undertaking funds transfer using the National Automated Clearing House-Aadhaar Payment Bridge System. Sounds like everything that the PMJDY will be doing? Already laid down in 2013.</p><p align="justify">Banking reach: The government had issued a detailed guideline on financial inclusion back in October 2011, advising banks to open branches in all habitations of 5,000 or more population in under-banked districts and 10,000 or more population in other districts. Out of 3,925 such identified locations, branches have been opened in 3,402 by end of April 2013. All the 129 unbanked blocks identified in the country in July 2009 had been provided with banking facilities by March 2012, according to the finance ministry.</p><p align="justify">Clearly, the PMJDY relies on a lot of work and thinking done over the years. If this work is largely useless, Jan Dhan will not work either. If this work was useful, we must still look for what is new in this scheme. Here are six new aspects of Jan Dhan: accident insurance cover; life insurance cover; overdraft facility; higher incentive for banking correspondents; removing the RBI from monitoring; and, of course, the emergence of Mr Modi.</p><p align="justify">Adding insurance is an obvious feature, which has been tried with other banking products and even with microfinance. The reason it has not been at the centrepiece of a no-frills account for the unbanked is that it involves costs and delivery issues. It was (and still is) unclear who will pay the cost. The overdraft is another cost with uncertain benefits for banks and so was never pushed hard. Banks have been using business correspondents since 2006 for greater financial inclusion. Jan Dhan has increased their compensation - but where will that money come from?</p><p align="justify">That brings us to the two last new factors. Removing the RBI from the scene is a positive. It is bloated, unaccountable and bureaucratic. It does not even properly collect the data essential for informed policies. But that itself will not mean a big success of Jan Dhan.</p><p align="justify">Finally, the propagandist orientation of Mr Modi is a positive for any large scheme. But then, like Indira Gandhi, even Mr Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that? Time will tell.</p><p align="justify"><em>The writer is the editor of www.moneylife.in</em></p>
</div>
</td>
</tr>
</table>
</div>
</div>
</div>
<div class="clear"></div>
<br><a href="http://www.business-standard.com/article/opinion/debashis-basu-narendra-modi-s-jan-dhan-what-s-new-114083100708_1.html#.VAPco7ZUyyI.twitter" class="re" target="_blank">The Business Standard, 31 August, 2014, http://www.business-standard.com/article/opinion/debashis-basu-narendra-modi-s-jan-dhan-what-s-new-114083100708_1.html#.VAPco7ZUyyI.twitter</a><div class="clear"></div>
<div style="padding-top: 18px;">
<p class="post-tag">Tagged with:
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=Below Poverty Line"
title="Below Poverty Line">
Below Poverty Line </a>
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=Jan Dhan Yojana"
title="Jan Dhan Yojana">
Jan Dhan Yojana </a>
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=Financial Inclusion"
title="Financial Inclusion">
Financial Inclusion </a>
<a class="tagcloud5"
href="https://im4change.in/search?qryStr=banking"
title="banking">
banking </a>
</p>
</div>
<div class="clear"></div>
<br><br>
<div class="widget-top">
<h4>Related Articles</h4>
<div class="stripe-line"></div>
</div>
<div class="widget-container">
<ul id="recentcomments">
<li class="recentcomments">
<a href="https://im4change.in/news-alerts-57/nsso-survey-only-39-1-of-all-households-have-drinking-water-within-dwelling-46-7-of-rural-households-use-firewood-for-cooking.html"
title="NSSO Survey: Only 39.1% of all Households have Drinking Water Within Dwelling, 46.7% of Rural Households use Firewood for Cooking">
NSSO Survey: Only 39.1% of all Households have Drinking Water Within Dwelling, 46.7% of Rural Households use Firewood for Cooking </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/banks-eye-rural-loan-growth-to-push-credit-deposit-ratio-mihir-mishra-shayan-ghosh.html"
title="Banks eye Rural loan growth to push credit-deposit ratio - Mihir Mishra, Shayan Ghosh">
Banks eye Rural loan growth to push credit-deposit ratio - Mihir Mishra, Shayan Ghosh </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/financial-inclusion-of-msmes-and-its-impact-on-society-hardika-shah.html"
title="Financial inclusion of MSMEs and its impact on society -Hardika Shah">
Financial inclusion of MSMEs and its impact on society -Hardika Shah </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/about-300-branches-of-psu-banks-to-be-opened-in-these-states-by-dec-2022.html"
title="About 300 branches of PSU banks to be opened in these states by Dec 2022 ">
About 300 branches of PSU banks to be opened in these states by Dec 2022 </a>
</li>
<li class="recentcomments">
<a href="https://im4change.in/latest-news-updates/inclusion-success.html"
title="Inclusion success">
Inclusion success </a>
</li>
</ul>
</div>
<div class="comment-respond" id="respond">
<a name="commentbox"> </a>
<h3 class="comment-reply-title" id="reply-title">Write Comments</h3>
<form method="post" accept-charset="utf-8" role="form" action="/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html"><div style="display:none;"><input type="hidden" name="_method" value="POST"/></div> <form class="comment-form" id="commentform" method="post" action="#commentbox" onSubmit="return validate()"
name="cmtform">
<input type="hidden" name="cmttype" value="articlecmt"/>
<input type="hidden" name="article_id" value="25828"/>
<p class="comment-notes">Your email address will not be published. Required fields are marked <span
class="required">*</span></p>
<p class="comment-form-author">
<label for="commenterName">Name</label>
<span class="required">*</span>
<input type="text" aria-required="true" size="30"
value=""
name="commenterName" id="commenterName" required="true">
</p>
<p class="comment-form-email">
<label for="commenterEmail">Email</label> <span class="required">*</span>
<input aria-required="true" size="30" name="commenterEmail" id="commenterEmail" type="email"
value=""
required="true">
</p>
<p class="comment-form-contact">
<label for="commenterPh">Contact No.</label>
<input type="text" size="30"
value=""
name="commenterPh" id="commenterPh">
</p>
<p class="comment-form-comment">
<label for="comment">Comment</label>
<textarea aria-required="true" required="true" rows="8" cols="45" name="comment"
id="comment"></textarea>
</p>
<p class="comment-form-comment">
<label for="comment">Type the characters you see in the image below <span class="required">*</span><br><img
class="captchaImg"
src="https://im4change.in/securimage_show_art.php?tk=965130082" alt="captcha"/>
</label>
</p>
<input type="text" name="vrcode" required="true"/>
<p class="form-submit" style="width: 200px;">
<input type="submit" value="Post Comment" id="submit" name="submit">
</p></form>
</div>
<style>
.ui-widget-content {
height: auto !important;
}
</style>
<div id="share-modal"></div>
<style>
.middleContent a{
background-color: rgba(108,172,228,.2);
}
.middleContent a:hover{
background-color: #418fde;
border-color: #418fde;
color: #000;
}
</style>
<script>
function shareArticle(article_id) {
var options = {
modal: true,
height: 'auto',
width: 600 + 'px'
};
$('#share-modal').html("");
$('#share-modal').load('https://im4change.in/share_article?article_id=' + article_id).dialog(options).dialog('open');
}
function postShare() {
var param = 'article_id=' + $("#article_id").val();
param = param + '&y_name=' + $("#y_name").val();
param = param + '&y_email=' + $("#y_email").val();
param = param + '&f_name=' + $("#f_name").val();
param = param + '&f_email=' + $("#f_email").val();
param = param + '&y_msg=' + $("#y_msg").val();
$.ajax({
type: "POST",
url: 'https://im4change.in/post_share_article',
data: param,
success: function (response) {
$('#share-modal').html("Thank You, Your message posted to ");
}
});
return false;
}
</script> </div>
</div>
<!-- Right Side Section Start -->
<!-- MAP Section START -->
<aside class="sidebar indexMarg">
<div class="ad-cell">
<a href="https://im4change.in/statemap.php" title="">
<img src="https://im4change.in/images/map_new_version.png?1582080666" alt="India State Map" class="indiamap" width="232" height="252"/> </a>
<div class="rightmapbox">
<div id="sideOne" class="docltitle"><a href="https://im4change.in/state-report/india/36" target="_blank">DOCUMENTS/
REPORTS</a></div>
<div id="sideTwo" class="statetitle"><a href="https://im4change.in/states.php"target="_blank">STATE DATA/
HDRs.</a></div>
</div>
<div class="widget widgePadTop"></div>
</div>
</aside>
<!-- MAP Section END -->
<aside class="sidebar sidePadbottom">
<div class="rightsmlbox1" >
<a href="https://im4change.in/knowledge_gateway" target="_blank" style="color: #035588;
font-size: 17px;">
KNOWLEDGE GATEWAY
</a>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title">
<a href="https://im4change.in/newsletter" target="_blank">
NEWSLETTER
</a>
</p>
</div>
</div>
<div class="rightsmlbox1" style="height: 325px;">
<div>
<p class="rightsmlbox1_title">
Interview with Prof. Ravi Srivastava
</p>
<p class="rightsmlbox1_title">
<a href="https://im4change.in/video/interview-with-prof-ravi-srivastava-on-current-economic-crisis">
<img width="250" height="200" src="/images/interview_video_home.jpg" alt="Interview with Prof. Ravi Srivastava"/>
</a>
<!--
<iframe width="250" height="200" src="https://www.youtube.com/embed/MmaTlntk-wc" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen=""></iframe>-->
</p>
<a href="https://im4change.in/videogallery" class="more-link CatArchalAnch1" target="_blank">
More videos
</a>
</div>
</div>
<div class="rightsmlbox1">
<div>
<!--div id="sstory" class="rightboxicons"></div--->
<p class="rightsmlbox1_title"><a href="https://im4change.in/list-success-stories" target="_blank">Success Stories</a></p>
</div>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title"><a
href="https://im4change.in/interviews" target="_blank">Interviews</a>
</p>
</div>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title"><a href="https://www.commoncause.in/page.php?id=10" >Donate</a></p>
</div>
</div>
<div class="rightsmlbox1">
<div>
<p class="rightsmlbox1_title"><a
href="https://im4change.in/marquee"
class="isf_link more-link" title="India Focus?" style="border: 4px solid #fdd922;width: 90%;background-color: #fdd922;text-align: center;color: #000000;font-size:18px" target="_blank">India Focus</a></p> </div>
</div>
<div class="rightsmlbox1" style="height: 104px !important;">
<a href="https://im4change.in/quarterly_reports.php" target="_blank">
Quarterly Reports on Effect of Economic Slowdown on Employment in India (2008 - 2015)
</a>
</div>
<!-- <div class="rightsmlbox1">
<a href="https://play.google.com/store/apps/details?id=com.im4.im4change" target="_blank">
</a></div> -->
<!-- <section class="cat-box recent-box secMarg">
<h2 class="cat-box-title">Most Visited</h2>
</section> -->
<!-- accordion Starts here -->
<!-- <div id="accordion" class="accordMarg">
</div> -->
<!-- accordion ends here -->
<!-- Widget Tag Cloud Starts here -->
<div id="tag_cloud-2" class="widget widget_tag_cloud">
<section class="cat-box recent-box secMarg">
<h2 class="cat-box-title">MOST VISITED TAGS</h2>
</section>
<div class="widget-top wiPdTp">
<div class="stripe-line"></div>
</div>
<div class="widget-container">
<div class="tagcloud">
<a href="https://im4change.in/search?qryStr=Agriculture"
target="_blank" class="tag-link-4 font4">Agriculture</a>
<a href="https://im4change.in/search?qryStr=Food Security"
target="_blank" class="tag-link-4 font4">Food Security</a>
<a href="https://im4change.in/search?qryStr=Law and Justice"
target="_blank" class="tag-link-4 font4">Law and Justice</a>
<a href="https://im4change.in/search?qryStr=Health"
target="_blank" class="tag-link-4 font4">Health</a>
<a href="https://im4change.in/search?qryStr=Right to Food"
target="_blank" class="tag-link-4 font4">Right to Food</a>
<a href="https://im4change.in/search?qryStr=Corruption"
target="_blank" class="tag-link-4 font4">Corruption</a>
<a href="https://im4change.in/search?qryStr=farming"
target="_blank" class="tag-link-4 font4">farming</a>
<a href="https://im4change.in/search?qryStr=Environment"
target="_blank" class="tag-link-4 font4">Environment</a>
<a href="https://im4change.in/search?qryStr=Right to Information"
target="_blank" class="tag-link-4 font4">Right to Information</a>
<a href="https://im4change.in/search?qryStr=NREGS"
target="_blank" class="tag-link-4 font4">NREGS</a>
<a href="https://im4change.in/search?qryStr=Human Rights"
target="_blank" class="tag-link-4 font4">Human Rights</a>
<a href="https://im4change.in/search?qryStr=Governance"
target="_blank" class="tag-link-4 font4">Governance</a>
<a href="https://im4change.in/search?qryStr=PDS"
target="_blank" class="tag-link-4 font4">PDS</a>
<a href="https://im4change.in/search?qryStr=COVID-19"
target="_blank" class="tag-link-4 font4">COVID-19</a>
<a href="https://im4change.in/search?qryStr=Land Acquisition"
target="_blank" class="tag-link-4 font4">Land Acquisition</a>
<a href="https://im4change.in/search?qryStr=mgnrega"
target="_blank" class="tag-link-4 font4">mgnrega</a>
<a href="https://im4change.in/search?qryStr=Farmers"
target="_blank" class="tag-link-4 font4">Farmers</a>
<a href="https://im4change.in/search?qryStr=transparency"
target="_blank" class="tag-link-4 font4">transparency</a>
<a href="https://im4change.in/search?qryStr=Gender"
target="_blank" class="tag-link-4 font4">Gender</a>
<a href="https://im4change.in/search?qryStr=Poverty"
target="_blank" class="tag-link-4 font4">Poverty</a>
<a href="https://im4change.in/search?qryStr=Farm Laws" target="_blank" class="tag-link-4 font4">Farm Laws
</a>
<a href="https://im4change.in/search?qryStr=Citizenship Amendment Act" target="_blank" class="tag-link-4 font4">Citizenship Amendment Act
</a>
<a href="https://im4change.in/search?qryStr=CAA NPR NRIC" target="_blank" class="tag-link-4 font4">CAA NPR NRIC
</a>
<a href="https://im4change.in/search?qryStr=Job Losses" target="_blank" class="tag-link-4 font4">Job Losses
</a>
<a href="https://im4change.in/search?qryStr=Migrant Workers" target="_blank" class="tag-link-4 font4">Migrant Workers
</a>
<a href="https://im4change.in/search?qryStr=Unemployment" target="_blank" class="tag-link-4 font4">Unemployment
</a>
<a href="https://im4change.in/search?qryStr=PMGKAY" target="_blank" class="tag-link-4 font4">PMGKAY
</a>
<a href="https://im4change.in/search?qryStr=PM-KISAN" target="_blank" class="tag-link-4 font4">PM-KISAN
</a>
<a href="https://im4change.in/search?qryStr=PM-CARES" target="_blank" class="tag-link-4 font4">PM-CARES
</a>
<a href="https://im4change.in/search?qryStr=LFPR" target="_blank" class="tag-link-4 font4">LFPR
</a>
</div>
</div>
</div>
<!-- Widget Tag Cloud Ends here -->
</aside>
<!-- Right Side Section End -->
</div>
<section class="cat-box cats-review-box footerSec">
<h2 class="cat-box-title vSec CatArcha">Video
Archives</h2>
<h2 class="cat-box-title CatArchaTitle">Archives</h2>
<div class="cat-box-content">
<div class="reviews-cat">
<div class="CatArchaDiv1">
<div class="CatArchaDiv2">
<ul>
<li>
<a href="https://im4change.in/news-alerts-57/moving-upstream-luni-fellowship.html" target="_blank">
Moving Upstream: Luni – Fellowship </a>
</li>
<li>
<a href="https://im4change.in/news-alerts-57/135-million-indians-exited-multidimensional-poverty-as-per-government-figures-is-that-the-same-as-poverty-reduction.html" target="_blank">
135 Million Indians Exited “Multidimensional" Poverty as per Government... </a>
</li>
<li>
<a href="https://im4change.in/news-alerts-57/explainer-why-are-tomato-prices-on-fire.html" target="_blank">
Explainer: Why are Tomato Prices on Fire? </a>
</li>
<li>
<a href="https://im4change.in/news-alerts-57/nsso-survey-only-39-1-of-all-households-have-drinking-water-within-dwelling-46-7-of-rural-households-use-firewood-for-cooking.html" target="_blank">
NSSO Survey: Only 39.1% of all Households have Drinking... </a>
</li>
<li class="CatArchalLi1">
<a href="https://im4change.in/news-alerts-57"
class="more-link CatArchalAnch1" target="_blank">
More...
</a>
</li>
</ul>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/I51LYnP8BOk/1.jpg"
alt=" Im4Change.org हिंदी वेबसाइट का परिचय. Short Video on im4change.org...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Short-Video-on-im4change-Hindi-website-Inclusive-Media-for-Change" target="_blank">
Im4Change.org हिंदी वेबसाइट का परिचय. Short Video on im4change.org... </a>
</p>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/kNqha-SwfIY/1.jpg"
alt=" "Session 1: Scope of IDEA and AgriStack" in Exploring...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Session-1- Scope-of-IDEA-and-AgriStack-in-Exploring-Digitalisation-in-Agriculture-29-April-2022" target="_blank">
"Session 1: Scope of IDEA and AgriStack" in Exploring... </a>
</p>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/6kIVjlgZItk/1.jpg"
alt=" "Session 2: Farmer Centric Digitalisation in Agriculture" in Exploring...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Session-2-Farmer-Centric-Digitalisation-in-Agriculture-in-Exploring-Digitalisation-in-Agriculture-29-April-2022" target="_blank">
"Session 2: Farmer Centric Digitalisation in Agriculture" in Exploring... </a>
</p>
</div>
<div class="CatArchaWidth">
<img class="CatArchaImg"
src="https://img.youtube.com/vi/2BeHTu0y7xc/1.jpg"
alt=" "Session 3: Future of Digitalisation in Agriculture" in Exploring...">
<p class="CatArchaPPad">
<a href="https://im4change.in/video/Session-3-Future-of-Digitalisation-in-Agriculture-in-Exploring-Digitalisation-in-Agriculture-29-April-2022" target="_blank">
"Session 3: Future of Digitalisation in Agriculture" in Exploring... </a>
</p>
</div>
<div class="divWidth">
<ul class="divWidthMarg">
<li>
<a href="https://im4change.in/video/Public-Spending-on-Agriculture-in-India-Source-Foundation-for-Agrarian-Studies"
title="Public Spending on Agriculture in India (Source: Foundation for Agrarian Studies)" target="_blank">
Public Spending on Agriculture in India (Source: Foundation for...</a>
</li>
<li>
<a href="https://im4change.in/video/Agrarian-Change-Seminar-Protests-against-the-New-Farm-Laws-in-India-by-Prof-Vikas-Rawal-JNU-Source-Journal-Of-Agrarian-Change"
title="Agrarian Change Seminar: 'Protests against the New Farm Laws in India' by Prof. Vikas Rawal, JNU (Source: Journal Of Agrarian Change) " target="_blank">
Agrarian Change Seminar: 'Protests against the New Farm Laws...</a>
</li>
<li>
<a href="https://im4change.in/video/Webinar-Ramrao-The-Story-of-India-Farm-Crisis-Source-Azim-Premji-University"
title="Webinar: Ramrao - The Story of India's Farm Crisis (Source: Azim Premji University)" target="_blank">
Webinar: Ramrao - The Story of India's Farm Crisis...</a>
</li>
<li>
<a href="https://im4change.in/video/water-and-agricultural-transformation-in-India"
title="Water and Agricultural Transformation in India: A Symbiotic Relationship (Source: IGIDR)" target="_blank">
Water and Agricultural Transformation in India: A Symbiotic Relationship...</a>
</li>
<li class="CatArchalLi1">
<a href="https://im4change.in/videogallery"
class="more-link CatArchalAnch1" target="_blank">
More...
</a>
</li>
</ul>
</div>
</div>
</div>
</div>
</section> </div>
<div class="clear"></div>
<!-- Footer option Starts here -->
<div class="footer-bottom fade-in animated4">
<div class="container">
<div class="social-icons icon_flat">
<p class="SocialMargTop"> Website Developed by <a target="_blank" title="Web Development"
class="wot right"
href="http://www.ravinderkhurana.com/" rel="nofollow">
RAVINDErkHURANA.com</a></p>
</div>
<div class="alignleft">
<a
target="_blank" href="https://im4change.in/objectives-8.html"
class="link"
title="Objectives">Objectives</a> | <a
target="_blank" href="https://im4change.in/about-us-9.html"
class="link" title="About Us">About Us</a> | <a
target="_blank" href="https://im4change.in/media-workshops.php"
class="ucwords">Workshops</a> | <a
target="_blank" href="https://im4change.in/disclaimer/disclaimer-149.html"
title="Disclaimer">Disclaimer</a> </div>
</div>
</div>
<!-- Footer option ends here -->
</div>
<div id="connect">
<a target="_blank"
href="http://www.facebook.com/sharer.php?u=https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html"
title="Share on Facebook">
<img src="https://im4change.in/images/Facebook.png?1582080640" alt="share on Facebook" class="ImgBorder"/>
</a><br/>
<a target="_blank"
href="http://twitter.com/share?text=Im4change&url=https://im4change.in/latest-news-updates/narendra-modi039s-jan-dhan-what039s-new-debashis-basu-4673865.html"
title="Share on Twitter">
<img src="https://im4change.in/images/twitter.png?1582080632" alt="Twitter" class="ImgBorder"/> </a>
<br/>
<a href="/feeds" title="RSS Feed" target="_blank">
<img src="https://im4change.in/images/rss.png?1582080632" alt="RSS" class="ImgBorder"/>
</a>
<br/>
<a class="feedback-link" id="feedbackFormLink" href="#">
<img src="https://im4change.in/images/feedback.png?1582080630" alt="Feedback" class="ImgBorder"/>
</a> <br/>
<a href="javascript:function iprl5(){var d=document,z=d.createElement('scr'+'ipt'),b=d.body,l=d.location;try{if(!b)throw(0);d.title='(Saving...) '+d.title;z.setAttribute('src',l.protocol+'//www.instapaper.com/j/WKrH3R7ORD5p?u='+encodeURIComponent(l.href)+'&t='+(new Date().getTime()));b.appendChild(z);}catch(e){alert('Please wait until the page has loaded.');}}iprl5();void(0)"
class="bookmarklet" onclick="return explain_bookmarklet();">
<img src="https://im4change.in/images/read-it-later.png?1582080632" alt="Read Later" class="ImgBorder"/> </a>
</div>
<!-- Feedback form Starts here -->
<div id="feedbackForm" class="overlay_form" class="ImgBorder">
<h2>Contact Form</h2>
<div id="contactform1">
<div id="formleft">
<form id="submitform" action="/contactus.php" method="post">
<input type="hidden" name="submitform" value="submitform"/>
<input type="hidden" name="salt_key" value="a0e0f2c6a0644a70e57ad2c96829709a"/>
<input type="hidden" name="ref" value="feedback"/>
<fieldset>
<label>Name :</label>
<input type="text" name="name" class="tbox" required/>
</fieldset>
<fieldset>
<label>Email :</label>
<input type="text" name="email" class="tbox" required/>
</fieldset>
<fieldset>
<label>Message :</label>
<textarea rows="5" cols="20" name="message" required></textarea>
</fieldset>
<fieldset>
Please enter security code
<div class="clear"></div>
<input type="text" name="vrcode" class="tbox"/>
</fieldset>
<fieldset>
<input type="submit" class="button" value="Submit"/>
<a href="#" id="closefeedbakcformLink">Close</a>
</fieldset>
</form>
</div>
<div class="clearfix"></div>
</div>
</div>
<div id="donate_popup" class="modal" style="max-width: 800px;">
<table width="100%" border="1">
<tr>
<td colspan="2" align="center">
<b>Support im4change</b>
</td>
</tr>
<tr>
<td width="25%" valign="middle">
<img src="https://im4change.in/images/logo2.jpg?1582080632" alt="" width="100%"/> </td>
<td style="padding-left:10px;padding-top:10px;">
<form action="https://im4change.in/donate" method="get">
<table width="100%" cellpadding="2" cellspacing="2">
<tr>
<td width="33%" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
10
</td>
<td width="33%" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
100
</td>
<td width="33%" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
1000
</td>
</tr>
<tr>
<td colspan="3">
</td>
</tr>
<tr>
<td style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
50
</td>
<td style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
500
</td>
<td style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
<input type="text" name="price" placeholder="?" style="font-family: 'Script Font', cursive, Arial;font-size: 20px;font-weight: 700;">
</td>
</tr>
<tr>
<td colspan="3">
</td>
</tr>
<tr>
<td colspan="3" align="right">
<input type="button" name="Pay" value="Pay"
style="width: 200px;background-color: rgb(205, 35, 36);color: #ffffff;"/>
</td>
</tr>
</table>
</form>
</td>
</tr>
</table>
</div><script type='text/javascript'>
/* <![CDATA[ */
var tievar = {'go_to': 'Go to...'};
/* ]]> */
</script>
<script src="/js/tie-scripts.js?1575549704"></script><script src="/js/bootstrap.js?1575549704"></script><script src="/js/jquery.modal.min.js?1578284310"></script><script>
$(document).ready(function() {
// tell the autocomplete function to get its data from our php script
$('#s').autocomplete({
source: "/autocomplete"
});
});
</script>
<script src="/vj-main-sw-register.js" async></script>
<script>function init(){var imgDefer=document.getElementsByTagName('img');for(var i=0;i<imgDefer.length;i++){if(imgDefer[i].getAttribute('data-src')){imgDefer[i].setAttribute('src',imgDefer[i].getAttribute('data-src'))}}}
window.onload=init;</script>
</body>
</html>'
}
$cookies = []
$values = [
(int) 0 => 'text/html; charset=UTF-8'
]
$name = 'Content-Type'
$first = true
$value = 'text/html; charset=UTF-8'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitHeaders() - CORE/src/Http/ResponseEmitter.php, line 181
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 55
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39
Narendra Modi's Jan Dhan - what's new? -Debashis Basu
Published on Sep 1, 2014
Modified on Sep 1, 2014
-The Business Standard
Like Indira Gandhi, even Narendra Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that?
Narendra Modi's biggest project so far is Pradhan Mantri Jan Dhan Yojana (PMJDY), an aggressively promoted idea to open bank accounts. The English media ran full-page ads and TV commercials to announce the scheme that is supposed to reach largely rural households. It seemed bold, new - almost pathbreaking. Mr Modi claimed that the scheme has performed a miracle or sorts - a massive mobilisation effort over just two weeks to achieve a feat never attempted and achieved. The mobilisation drive is unprecedented, but is the scheme pathbreaking?
The Reserve Bank of India (RBI), ministry of finance and public-sector banks have been trying to do forcible financial inclusion for years now, on which many bright minds and hundreds of crores have been spent. Meanwhile, the government allowed a whole new business segment to come up - microfinance. Microfinance companies have tried to replace the moneylender with an only slightly less usurious business model, funded by venture capital and even the stock market.
The PMJDY has no truck with the learnings from any of this. People who have worked in the area of financial inclusion for years have not been seen or heard so far in this mega plan of forcible financial inclusion. I guess the babus know everything. They only need to whip the public-sector bankers to get things done.
But, even in design, is the PMJDY something new? Let's look at some of its features.
One account per household: Earlier efforts did not target households, we were told in June and July. But read this: "Banks have been advised that the service area bank in rural areas, and banks assigned the responsibility in specific wards in urban areas, ensure that every household has at least one bank account." This is not from the Jan Dhan scheme document, but from a one year-old document by the finance ministry. Targeting households is an old idea.
Mobile banking: A second aspect of the project is using mobile banking. Here is a quote from the same 2013 document. "National Payments Corporation of India (NPCI) has worked on a 'common USSD platform' for all banks and telcos who wish to offer the facility of mobile banking using unstructured supplementary service data (USSD)-based mobile banking ... USSD-based mobile banking offers basic banking facilities like money transfer, bill payments, balance enquiries, merchant payments, etc, on a simple GSM-based mobile phone, without the need to download application." Mobile banking is not new, too.
Direct benefit transfers (DBT): According to media reports, what drew a lot of unbanked people to the PMJDY was the worry that that they won't get government benefits if they didn't have a bank account. This was a major incentive to open bank accounts. Is this new? The DBT scheme was launched in January 2013 and was being rolled out in phases. Thereafter, the government started the transfer of cash subsidy for domestic LPG cylinders to Aadhaar-linked bank accounts from June 1, 2013. And what is the cornerstone of all this? Bank accounts. Here is what the 2013 finance-ministry document says: "Banks play a key role in implementation of DBT and this involves three important steps." These are the opening of accounts; the seeding of bank accounts with Aadhaar; and undertaking funds transfer using the National Automated Clearing House-Aadhaar Payment Bridge System. Sounds like everything that the PMJDY will be doing? Already laid down in 2013.
Banking reach: The government had issued a detailed guideline on financial inclusion back in October 2011, advising banks to open branches in all habitations of 5,000 or more population in under-banked districts and 10,000 or more population in other districts. Out of 3,925 such identified locations, branches have been opened in 3,402 by end of April 2013. All the 129 unbanked blocks identified in the country in July 2009 had been provided with banking facilities by March 2012, according to the finance ministry.
Clearly, the PMJDY relies on a lot of work and thinking done over the years. If this work is largely useless, Jan Dhan will not work either. If this work was useful, we must still look for what is new in this scheme. Here are six new aspects of Jan Dhan: accident insurance cover; life insurance cover; overdraft facility; higher incentive for banking correspondents; removing the RBI from monitoring; and, of course, the emergence of Mr Modi.
Adding insurance is an obvious feature, which has been tried with other banking products and even with microfinance. The reason it has not been at the centrepiece of a no-frills account for the unbanked is that it involves costs and delivery issues. It was (and still is) unclear who will pay the cost. The overdraft is another cost with uncertain benefits for banks and so was never pushed hard. Banks have been using business correspondents since 2006 for greater financial inclusion. Jan Dhan has increased their compensation - but where will that money come from?
That brings us to the two last new factors. Removing the RBI from the scene is a positive. It is bloated, unaccountable and bureaucratic. It does not even properly collect the data essential for informed policies. But that itself will not mean a big success of Jan Dhan.
Finally, the propagandist orientation of Mr Modi is a positive for any large scheme. But then, like Indira Gandhi, even Mr Modi seems to be relying on directing public-sector banks through ministry of finance supported by party cadres. How new is that? Time will tell.
Write Comments