EDITORIAL: Pradhan Mantri Jan Dhan Yojana(PMJDY) 2014 -बैंक खाते का खेल

EDITORIAL:  PMJDY 2014 -बैंक खाते का खेल

Friday, 05 September 2014 12:15
क्या बैंक खाते में रुपयों के बिना गरीब खरीदारी कर सकेगा? यदि ऐसा होता तो इस जनधन योजना की शुरुआत नहीं करनी पड़ती। बड़े जोर-शोर से प्रचार हो रहा है कि पासबुक मिलेगी, एटीएम कार्ड मिलेगा, ओवरड्राफ्ट मिलेगा, दुर्घटना बीमा और जीवन बीमा भी मिलेगा। यदि केवल आंकड़ों का खेल है तो अवश्य मिलेगा लेकिन धरातल पर बस खाली पासबुक और कार्ड की उम्मीद की जा सकती है। ओवरड्राफ्ट उस व्यक्ति को मिलेगा जिसका छह माह में ठीक-ठाक लेनदेन रहा हो और वह भी तीन हजार से पांच हजार तक। और ओवरड्राफ्ट पर ब्याज भी देना होगा। जिस दुर्घटना बीमा की बात की जा रही है उसके लिए बीमा कंपनी प्रीमियम लेती है जो लगभग दो सौ रुपए प्रतिवर्ष हो सकता है। क्या सरकार हर साल करोड़ों खातों पर इतनी रकम देगी? शायद नहीं दे सकेगी। फिर जीवन बीमा के लिए प्रीमियम भी कहां से देगी? PMJDY 2014 – Benefits, Details and Eligibility With the launch of the Pradhan Mantri Jan Dhan Yojana (PMJDY) scheduled for today, banks around the country have launched enrollment camps for opening of zero balance savings accounts around the country. Many senior level bankers have been camping in rural areas since the last week to co-ordinate their Banks enrollment drive and also to convince the local population to enroll in large numbers for savings bank accounts. There is some confusion with regard to eligibility, benefits and purpose of the Jan Dhan Yojana. We have compiled answers to these questions to clear the confusion for our readers. Please go through them in detail below : Pradhan Mantri Jan Dhan Yojana – Benefits, Eligibility & Purpose What are the Benefits of of opening bank account under PMJDY? The bank account opened under PMJDY will be a zero balance account and customers are not required to maintain any minimum balance. A Rupay Kisan Debit Card will be issued which can be used to withdraw money from ATM’s and free accident insurance up to Rs 2 Lakh will be provided for those who open their bank account within 100 days of scheme being launched. An overdraft facility of Rs 5000 will be provided after six months of opening the account at the discretion of the bank only if your account has been active and seen a lot transactions. The over-draft limit which is like a short term loan can be increased up to Rs 15,000 if the repayment is prompt. How to open an account under Pradhan Mantri Jan Dhan Yojna ? To open a bank account visit your nearest bank branch or enrollment camp that is being conducted in your city or town. There are more than 60,000 locations all over India where you can enroll, however the addresses are not available online and can only be found out by inquiring at your local bank office. Can existing customers of a bank take part in the Pradhan Mantri Jan Dhan Yojana. Are they eligible ? This depends on the bank , some banks are willing to open Bank A/C’s for existing customers while others intend to open bank accounts for only those who do not have any account. Contact your nearest bank branch to find out if you are eligible to open another account. Rather that open multiple savings account it would be better to convince a family member or worker such as a maid servant who does not have a bank account to enroll in this scheme. Do you have to pay a fee to open a Bank account under PMJDY ? Reports coming in from the ground indicate that some banks like Bank of Baroda are charging a fee of Rs 100 to open a new account. It is still not clear if this amount will be credited to the newly opened account or will be considered as account opening charges. More details are expected to become clear later in the day. Contact your nearest Bank branch for more details.