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Will the ‘Jan’ get their ‘Dhan’? -Akansha Yadav & Sowmya Kidambi

-The Hindu Business Line   Opening bank accounts in rural areas is all very well, but biometric frauds are a serious possibility The ambitious Pradhan Mantri Jan Dhan Yojana (PMJDY) aims at bringing millions of rural Indians within the financial mainstream by opening bank accounts. In 2006, the Reserve of India, recognising that a majority of rural Indians had little or no access to banking services, allowed banks to use third-party, non-bank agents...

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25% accounts opened under Jan Dhan Yojana are repeat accounts, admits bureaucrat -Jitendra

-Down to Earth Modi government plans to revive cash benefit transfer scheme of previous government Ever since Prime Minister Narendra Modi's ambitious financial inclusion programme-the Pradhan Mantri Jan Dhan Yojana (PMGDY)-was launched on August 28 this year there have been misgivings over the haste shown by the government to open banks accounts to cover all rural households. Now a statement of a senior government official in the finance ministry shows the pitfalls...

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Don’t bank on it, yet -Paranjoy Guha Thakurta

-Deccan Chronicle On August 15, Prime Minister Narendra Modi announced the Pradhan Mantri Jan Dhan Yojana, a financial inclusion scheme that will ensure that at least one member of each and every family in India not only has a bank account with a debit card, but is also provided an overdraft facility of Rs 5,000, a life insurance policy of Rs 30,000 and accident insurance cover of Rs 1,00,000. On August...

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Misplaced priorities -Tulsi Jayakumar

-The Business Standard   The Jan Dhan Yojana has a lot of gaps to fill The NDAs financial inclusion programme, Pradhan Mantri Jan Dhan Yojana, targets poor households unlike similar schemes of the UPA, which focussed on villages. The scheme targets rural and urban unbanked households. That said, the scheme too has its own share of flaws. Misplaced enthusiasm A chat with poor casual workers after the launch of the Yojana gave the impression that...

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Narendra Modi's Jan Dhan - what's new? -Debashis Basu

-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...

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