NEW DELHI: To create a social security internet for the poor, the authorities will provide its existence and accident insurance schemes--PM Jeevan Jyoti Bima Yojana (PMJJBY) and PM Surakhsha Bima Yojana (PMSBY)--to eligible Jan Dhan account holders.
These government-sponsored coverage schemes have been introduced in 2015.
The announcement, made with the aid of using the finance ministry on Friday, comes with the finishing touch of six years of National Democratic Alliance government’s flagship scheme Jan Dhan Yojana. The scheme become on the whole released to offer banking offerings to all families however it al performed a vital position withinside the achievement of different welfare schemes, such as direct gain transfer (DBT), disbursal of monetary help for the duration of covid-19.
PMJJBY is to be had to people withinside the age institution of 18 to 50 years having a financial institution account. The threat insurance below this scheme is for ₹2 Lakh, at a top class of ₹330 in keeping with annum in case of a demise of the insured.
PMBSY is to be had to human beings of 18-70 years. The threat insurance below the scheme is ₹2 lakh at a top class of ₹12 in keeping with annum for unintended demise and complete incapacity and ₹1 lakh for partial incapacity.
The government additionally plans to enhance get right of entry to of Jan Dhan Yojana account holders to micro-credit score micro funding consisting of flexi-habitual deposits, an professional statement said. It additionally seeking to increase virtual payments, such as the usage of RuPay debit card the various accountholders via introduction of popularity infrastructure throughout India, the ministry said.
As of nineteen August, there have been greater than than 40.35 crore beneficiaries banked below the scheme, amounting to ₹1.31 lakh crore. Close to -0.33 of the money owed are from rural place and 55% are held with the aid of using women, as in keeping with official data.
According to the finance ministry, the common deposit in keeping with account is ₹3,239, that's an improved of over 2.five instances for the reason that August 2015. "Increase in common deposit is any other indication of improved utilization of money owed and inculcation of saving addiction amongst account holders," the statement said.
According to the Reserve Bank of India guidelines, a Jan Dhan account is taken into consideration inoperative if there were no customer-prompted transactions withinside the account for over years. As of August, 34.eighty one crore out of overall 40.35 crore money owed have been operative.
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