-The Hindu The reassuring message in the Pradhan Mantri Jan Dhan Yojana is that in pursuing its economic objectives, the government wants to accord an important role to the public sector even while relying on market mechanisms The goal is hard to achieve. It is costly and unviable. It will create huge stresses in the banking system. The Narendra Modi government's Pradhan Mantri Jan Dhan Yojana (JDY), an ambitious scheme for financial...
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PM’s Jan Dhan Yojana faces access deficit -Rukmini S
-The Hindu Providing access to credit likely to be a hard step For Prime Minister Narendra Modi's newly launched Jan Dhan Yojana to be successful, India needs to provide over 100 million households access to banks, data show. An even harder step, however, is likely to be access to credit. As of March 2012, the most recent year for which relevant Reserve Bank of India (RBI) statistics are available, India had over 900...
More »Putting the poor on the list -Charan Singh, Akshay Goenka and Ritesh Garg
-The Hindu Business Line A new approach to financial inclusion using post offices The Government is making intensive efforts to extend access to financial resources such as savings accounts, credit and insurance services to unbanked sections of our society, and the knowledge and freedom to leverage them to one's benefit. The Budget has already mentioned that the Government considers financial inclusion as an important thrust area and the Prime Minister is expected...
More »Aadhaar still rife with security flaws -Bharti Jain
-The Times of India NEW DELHI: In what could point to serious security loopholes in Aadhar project, an internal risk assessment by the Unique Identification Authority of India (UIDAI) in 2012 had found that the enrolment device could be taken outside its defined territory, including foreign land, to enroll people and send data to UIDAI for processing. The anomaly led a UIDAI committee, set up in the wake of the government's January...
More »Aadhaar and the rhetoric of fear -Praveen Chakravarty
-The Indian Express Five years on, we need to examine our xenophobic reactions and paranoia of the intrusive state. Five years and Rs 4,000 crore ($800mn) later, there is a pregnant pause. "Are you who you claim you are?" is a question that more than 60 crore Indian residents can now answer with integrity. Twenty-three out of the 36 states and Union territories of India can now verify the authenticity of more...
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