As many as 3.02 crore accounts have been opened under the Pradhan Mantri Jan Dhan Yojana (PMJDY), the Finance Ministry today said in a release.
Banks have been asked to hold camps every Saturday to facilitate further account opening, the ministry said. "In order to clarify the customer queries, two helplines have been set-up and a media campaign to further disseminate information under the scheme is being prepared," it added.
The PMJDY is an ambitious initiative that was announced by Prime Minister Narendra Modi during his Independence Day address where about 7.5 crore free bank accounts were to be opened in a year in order to push financial inclusion in a country where about 60 percent of its 125 crore population and 40 percent of its 25 crore households do not have access to financial services, and have to rely upon informal and costly sources for credit needs.
Banks opened about 1.84 crore accounts in the first two days of the scheme's launch, the Finance Ministry said.
"To mark the launch of this ambitious mission, banks organized 1.04 lakh camps on August 28 and 29, out of which 64,000 camps were held in rural areas and 0.40 lakh in urban areas," it added.
However, a total of 33 lakh RuPay debit cards, which are being given complimentary, have been issued till now and banks have been asked to speed up the process.
Banks have collected deposits of Rs 1,496.51 crore under the Scheme so far which works out to be Rs.495 per account, according to the statement. Till date, the country's largest lender, State Bank of India, has opened the most accounts under the scheme: about 30 lakh.
Further incentives such as free life insurance cover of Rs 30,000 for every account holder are being worked out, the ministry said, adding that existing account holders can avail of these benefits as well.
The PMJDY is a highly ambitious program but it has come under attack from critics who have questioned some of its aspects -- such as offering a Rs 5,000 overdraft facility, saying it could further add to the stressed Indian banking sector – as well as the speed at which the rollout is taking place (leading to questions whether it could end up covering the "already financially-included" rather than the unbanked).
Sources have told CNBC-TV18 that the government intends to make the Aadhaar as the base identification document to open accounts under the scheme. This will pave the way for the controversial UIDAI project to become the base of the financial inclusion project.
Earlier, there were reports that the NDA government would put the Aadhaar project, a brainchild of the previous UPA government, on the backburner to promote its own NPR identification initiative but given the progress Aadhaar has made in enrollments (about 73 crore numbers issued), it has become clear the government would give it a further push to increase its coverage.
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