Pradhan Mantri Jan Dhan Yojana (PMJDY) Bharat Sarkar ki ek pramukh yojana hai jo 28 August 2014 ko shuru ki gayi thi. Is yojana ka mukhya uddeshya garibon aur unbanked logon ko banking system mein shamil karke financial inclusion ko badhana hai.
PMJDY ke antargat, har ek parivar ko ek basic savings bank account (BSBA) pradan kiya jata hai. Is account ko zero balance account ke roop mein khola jata hai, yani ki kisi bhi shuruati jama rashi ki avashyakta nahi hoti. Is yojana ke madhyam se garib log banking services ka labh utha sakte hain jaise:
Bank Khata: Yojana ke tahat, garibon ko bank khata khulwane ka avsar diya jata hai. Isse unhein bank ke tarike se paise jama karne aur nikalne ki suvidha milti hai.
Rupay Debit Card: Har ek khata holder ko Pradhan Mantri Jan Dhan Yojana Rupay debit card pradan kiya jata hai. Is card ki madad se ATM se paise nikal sakte hain aur online transactions kar sakte hain.
Suraksha Bima: PMJDY ke antargat Suraksha Bima Yojana aur Jeevan Jyoti Bima Yojana jaise bima yojanaye bhi shamil hoti hain. Isse khata holders ko insurance cover milta hai.
Overdraft Facility: Khata holders ko bank se Overdraft Facility prapt karne ka avsar bhi diya jata hai, jiske tahat unhein kuch had tak loan ki suvidha milti hai.
Pradhan Mantri Jan Dhan Yojana ki safalata ka pramukh lakshya garibon aur unbanked logon ko financial services tak pahunchana hai. Is yojana ke madhyam se aapradhik transactions kam hote hain aur sarkari sahayatao ko sidhe bank khate mein bhejne ka karya bhi aasan ho jata hai.
PMJDY Bharat ke sabhi rajyon aur kshetron mein lagu hai aur isne garibon ko bank khata khulwane mein mahatvapurn yogdaan diya hai. Is yojana ke madhyam se aapradhik transactions kam hote hain aur sarkari sahayatao ko sidhe bank khate mein bhejne ka karya bhi aasan ho jata hai.
Yojana ke tahat lagbhag 43 crore khata khole gaye hain aur isse Bharat ki aarthik samriddhi aur samajik suraksha mein sudhar aaya hai.
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