Pradhan Mantri Jan Dhan Yojana Mission Highlights
Hi..Dear aspirants here I am providing you with the most important topic in the present all competitive exam. Now-a-days in the bank exams more questions are being asked over the very recent things and the most discussed ones in the nation, mainly. We can say that, the topics that are the hot cakes are the most asked questions. So when you get hold of the pattern that is being asked, it is better to read the topics instead of getting disappointed after the exam. Hence, buckle up yourself and make sure that you don’t leave any topic that has created some sensation either in the country or in some other parts of the world. Now, a question wavers in your mind!! How to get hold of such topics??! It’s as simple as that. Daily you need to follow some of the best news papers and news channels! This way you can catch some of the best trending news.
The general knowledge section in all bank exam has played a prominent role by allocating maximum marks.If you want to get good marks, then you must be following the daily updates and try to write the most important ones in a separate book. Just writing doesn't make any sense; you need to revise it daily at least once. This will make you stronger on the topic and you can answer any question based on that particular topic during your examination. This not only helps you to score extra marks in the exam, but also helps you during the Group Discussion and even interview.
Pradhan Mantri Jan Dhan Yojana Mission Highlights
India’s Prime Minister, Narendra Modi, had announced about one of his pet projects: Pradhan Mantri Jan Dhan Yojana. This project is mainly to curb financial inclusion. In one of the most populous country like India, there are only 58% of the citizens who have proper bank accounts. The remaining 42% doesn’t have; also, most of the rural parts of the India do not have banks and basic facilities. To overcome all these, the Prime Minister, in his Independence day speech had declared about this pet project and aims that 7.5 Crore accounts will be opened by 26th January, 2015.
This scheme was rolled out in the country from 28th of August, 2014 and to everyone’s surprise the Indian government had found its way into the record books when 1.5 crore new bank accounts were opened on a single day through financial camps set up in 77,000 locations across the nation. The advantage of having this account will be people can have zero – balance accounts with any bank, public or private. Know-your-Customer rules are simplified: only Aadhar-Card proof is enough for opening your account and some more proofs that will be accepted are: Attested NREGA cards, Voters’ ID card. People who don’t even have these can show simplified rules regarding proof of identity and address will be allowed for opening a more basic account.
What does the scheme offer??
- Zero-balance account for every citizen of the country
- KYC being simplified
- Accident insurance of up to Rs. 1 Lakh comes for free with each account
- Opening account before 26th January 2015, will get an extra life cover of Rs. 30,000
- Each cardholder will get RuPay debit card and also will also be able to access a basic form of mobile banking
- Operative for at least six months, holders may be offered the overdraft facility for Rs. 2,500 and then for Rs. 3,000
- One can check their balance and even can transfer funds using an ordinary phone (not the smartphones) using a new technology introduced by National Payments Corporation of India (NPCI).
POINTS TO REMEMBER:
- Modi announced the project on 15th August and was implemented from 28th of August.
- Pradhan Mantri Jan Dhan Yojana (PMJDY) : Slogan – Mera Khata, Bhagya Vidata.
- If everyone has a bank account then the subsidies for the poor can be transferred to their accounts instead of sending it through corrupted people and agencies.
- The premium on accident insurance will be paid by the NPCI.
- It is safer to have a bank account rather than going to scam-filled private lenders and institutions.
- Every bank (both public and private) will be part of this scheme.
- This mission will be completed in two phases: one from 15th August 2014 to 14th August 2015 and the other from 15th August 2015.
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