Jan Dhan Yojana is Indian Prime Minister’s People Money Scheme. In 28
August, 2014 launched Pradhan Mantri Jan Dhan Yojana for comprehensive
financial inclusion by the Prime Minister of India, Narendra Modi. Pardhan
Mantri Narendra Modi announced this scheme on his first Independence Day on
August 15, 2014. In this scheme 15 million bank accounts were opened. Pradhan
Mantri Jan Dhan Yojna has been started with a target to provide ‘Universal
access to banking facilities’ satart with ‘Basic Banking Accounts’. In this
scheme Account holders will be provided zero balance bank account with debit
card, accidental insurance cover of One Lakh. In September 2014, above 3 crore
accounts were opened under the Jan Dhan yojna scheme. According to the experts,
banks give overdraft and insurance facility would result in duplication, zero
balance facility.
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