DATA ANALYSIS

Pradhan Mantri Jan- Dhan Yojana

(PMJDY)
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure
access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit,
Insurance, Pension in an affordable manner.

Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet.
Accounts opened under PMJDY are being opened with Zero balance. However, if the account-
holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.

Special Benefits under PMJDY Scheme

1. Interest on deposit.
2. Accidental insurance cover of Rs. 1.00 lac
3. No minimum balance required.
4. The scheme provide life cover of Rs. 30,000/- payable on death of the beneficiary, subject to
fulfillment of the eligibility condition.
5. Easy Transfer of money across India
6. Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.
7. After satisfactory operation of the account for 6 months, an overdraft facility will be permitted
8. Access to Pension, insurance products.
9. The Claim under Personal Accidental Insurance under PMJDY shall be payable if the Rupay
Card holder have performed minimum one successful financial or non-financial customer
induced transaction at any Bank Branch, Bank Mitra, ATM, POS, E-COM etc. Channel both
Intra and Inter-bank i.e. on-us (Bank Customer/rupay card holder transacting at same Bank
channels) and off-us (Bank Customer/Rupay card holder transacting at other Bank Channels)
within 90 days prior to date of accident including accident date will be included as eligible
transactions under the Rupay Insurance Program 2016-2017.
10. Overdraft facility upto Rs.5000/- is available in only one account per household, preferably lady
of the household.
 Pradhan Mantri Jan - Dhan Yojana

Bankwise account opening report as on 21/3/2018

(All figures in Crore)

Beneficiaries as on 20/02/2019

Bank Number of Number of No Of Number of Deposits Number of

Name / Beneficiaries Beneficiari Rural- Total in Rupay
Type at es at urban Urban Beneficiari Accounts( Debit
rural/semiurb metro Female es In Crore) Cards
an centre centre Beneficiari issued to
bank bank es beneficiari
branches branches es
Public 14.96 12.72 14.57 27.67 73576.58 22.70
Sector
Banks
Region 4.88 0.94 3.22 5.82 15766.52 3.73
al Rural
Ba
Private 0.62 0.46 0.58 1.08 2451.62 1.00
Sector
Banks
Grand 20.46 14.11 18.37 34.57 91794.72 27.44
Total

Interpretation-
 (A) Public Sector Banks
Number of
Number of Number of
Beneficiaries
Beneficiaries at Number of Deposits in Rupay Debit
Bank Name at urban
rural/semiurban Total Accounts(In Cards issued
/ Type metro centre
centre bank Beneficiaries lac) to
bank
branches beneficiaries
branches
Allahabad
7414388 2851169 10265557 326142.00 6190698
Bank
Andhra Bank 1648295 941151 2589446 42177.60 1895680
Bank of
10956735 18500438 29457173 882398.60 27099563
Baroda
Bank of India 10367882 10954715 21322597 550075.83 18974365
Bank of
4291413 1243668 5535081 134945.63 1233236
Maharashtra
Canara Bank 4964309 2223000 7187309 232014.32 4271844
Central Bank
10697065 2393355 13090420 287186.33 12215584
of India
Corporation
1627788 1582266 3210054 116776.35 2750472
Bank
Dena Bank 3871744 976173 4847917 128258.68 3463883
IDBI Bank
510893 407939 918832 23863.50 754203
Ltd.
Indian Bank 2455674 1178901 3634575 56700.29 3599974
Indian
Overseas 1077213 3718842 4796055 102012.37 4377949
Bank
Oriental
Bank of 2573072 1933407 4506479 380250.89 3927318
Commerce
Punjab &
769914 435418 1205332 68427.60 1089768
Sind Bank
Punjab
National 16168782 2890940 19059722 443183.34 18307404
Bank
State Bank
46328487 62300416 108628903 2164662.72 91280604
of India
Syndicate
3316639 1458198 4774837 150028.80 4060935
Bank
UCO Bank 4229292 3285358 7514650 213635.09 3971749
Union Bank
7511859 2059876 9571735 226079.27 5573684
of India
United Bank 7878508 5148390 13026898 805179.82 10451267
of India
Vijaya Bank 896403 692148 1588551 23658.64 1549617
Public
Sector
149556355 127175768 276732123 7357657.68 227039797
Banks Sub
Total

(B) Regional Rural Bank

Number of
Number of Number of
Beneficiaries
Beneficiaries at Number of Deposits in Rupay Debit
Bank Name at urban
rural/semiurban Total Accounts(In Cards issued
/ Type metro centre
centre bank Beneficiaries lac) to
bank
branches beneficiaries
branches
Allahabad
1517613 172757 1690370 34648.01 781002
Bank
Andhra Bank 167440 17470 184910 3317.79 101435
Bank of
5678497 1584202 7262699 228356.08 5562575
Baroda
Bank of India 3292662 1089282 4381944 94414.11 3804512
Bank of
1167931 140877 1308808 34602.25 831697
Maharashtra
Canara Bank 803257 540747 1344004 58407.24 1311147
Central Bank
3696472 861220 4557692 127341.91 3732997
of India
Dena Bank 463829 19133 482962 16884.35 299112
Indian Bank 488257 173801 662058 8309.50 570230
Indian
Overseas 1119634 37625 1157259 36699.54 616138
Bank
Jammu &
Kashmir 112169 18783 130952 6457.75 22213
Bank Ltd
Punjab
National 4777678 781547 5559225 183208.87 3632005
Bank
State Bank
12373660 2756410 15130070 357301.34 6405499
of India
Syndicate
2172576 607108 2779684 100891.39 2540616
Bank
UCO Bank 650568 38155 688723 17700.80 197300
Union Bank
1171720 409513 1581233 45166.17 135726
of India
United Bank
9150398 107447 9257845 222945.31 6745137
of India
Regional 48804361 9356077 58160438 1576652.43 37289341
Rural Banks
Sub Total

(C) Major Private Banks

Number of Number of Number of
Bank Beneficiaries at Beneficiaries Number of Deposits in Rupay Debit
Name / rural/semiurban at urban metro Total Accounts(In Cards issued
Type centre bank centre bank Beneficiaries lac) to
branches branches beneficiaries
Axis Bank
131975 705326 837301 21026.42 738631
Ltd
City Union
9731 75991 85722 1520.84 84543
Bank Ltd
Federal
423152 82354 505506 21229.26 277293
Bank Ltd
HDFC
360648 1801604 2162252 96812.65 2161574
Bank Ltd
ICICI
3612094 720677 4332771 22480.60 4332771
Bank Ltd
IndusInd
46658 445459 492117 3386.87 465528
Bank Ltd
Jammu &
Kashmir 1387369 182828 1570197 67694.29 1345450
Bank Ltd
Karur
Vysya 27323 172045 199368 1868.64 196012
Bank
Kotak
Mahindra 106424 70261 176685 2106.05 128609
Bank Ltd
Lakshmi
Vilas 39052 104542 143594 1796.50 128710
Bank Ltd
RBL Bank
59787 35520 95307 259.11 93118
Ltd
South
Indian 30622 180384 211006 4730.08 59893
Bank Ltd
Yes Bank
6800 5759 12559 250.53 12196
Ltd
Major
Private
6241635 4582750 10824385 245161.83 10024328
Banks
Sub Total

Interpretation-
 Pradhan Mantri Jan - Dhan Yojana-TABLE 1.1

Statewise account opening Report as on 20/02/2019

Beneficiaries at rural/semi-urban centre bank Beneficiaries at urban/metro centre bank

Sr.no State Name
branches branches

Andaman & nicobar

1 35,362 15,137
islands

2 Andhra pradesh 4,764,503 4,781,162

3 Arunachal pradesh 168,820 110,120

4 Assam 11,128,612 3,468,836

5 Bihar 24,657,656 14,312,097

6 Chandigarh 41,360 199,651

7 Chhattisgarh 9,010,484 4,954,422

8 Dadra & nagar haveli 91,033 19,657

9 Daman & diu 23,007 26,325

10 Delhi 502,917 3,756,522

11 Goa 114,862 45,104

12 Gujarat 7,076,027 6,314,709

13 Haryana 3,403,926 3,425,237

14 Himachal pradesh 954,678 135,012

15 Jammu & kashmir 1,753,622 313,435

16 Jharkhand 8,883,037 3,314,961

17 Karnataka 7,203,533 6,204,739

18 Kerala 1,686,474 1,968,233

19 Lakshadweep 4,409 779

20 Madhya pradesh 14,576,685 15,559,874

21 Maharashtra 11,896,937 12,402,391

22 Manipur 387,542 507,516

23 Meghalaya 398,518 73,742

24 Mizoram 112,935 184,725

25 Nagaland 112,213 147,401

26 Odisha 10,133,323 3,744,246

27 Puducherry 64,999 81,242

28 Punjab 3,634,649 2,713,263

29 Rajasthan 14,605,788 9,789,899

30 Sikkim 68,891 23,408

31 Tamil nadu 4,487,024 5,204,629

32 Telangana 4,834,196 4,611,565

33 Tripura 620,577 247,266

34 Uttar pradesh 32,658,144 21,162,230

35 Uttarakhand 1,488,890 904,330

36 West bengal 23,016,718 10,390,730

37 Total 204,602,351 141,114,595

Interpretation-

Atal Pension Yojana

Atal Pension Yojana (previously known as Swavalamban Yojana) is a government-backed pension

scheme in India targeted at the unorganised sector. It was mentioned in the 2015 Budget speech by
Finance Minister Arun Jaitley.[1] It was launched by Prime Minister Narendra Modi on 9 May
in Kolkata.

Launch Across the Country

The Atal Pension Scheme and the other insurance schemes were launched on 9 May 2015
simultaneously by Union and Chief Ministers. Prime Minister Narendra Modi launched the scheme
from Kolkata.

Indicative Contribution for Various Pension Options (in INR)

Indicative Return of
Indicative Monthly Monthly Pension to
Years of Corpus to the
Age of Joining Contribution (in the subscribers and
Contribution nominee of the
Rs.) his spouse (in Rs.)
subscribers (in Rs.)
18 42 42 1000 1.7 Lakh
20 40 50 1000 1.7 Lakh
25 35 76 1000 1.7 Lakh
30 30 116 1000 1.7 Lakh
35 25 181 1000 1.7 Lakh
40 20 291 1000 1.7 Lakh

Table of contribution levels, for fixed monthly pension of Rs. 2,000 per month to subscribers and his
spouse and return of corpus to nominees of subscribers and the contribution period under Atal
Pension Yojana

Indicative Return of
Monthly Pension to the
Indicative Monthly Corpus to the nominee
Age of Joining Years of Contribution subscribers and his
Contribution (in Rs.) of the subscribers (in
spouse (in Rs.)
Rs.)
18 42 84 2000 3.4 Lakh
20 40 100 2000 3.4 Lakh
25 35 151 2000 3.4 Lakh
30 30 231 2000 3.4 Lakh
35 25 362 2000 3.4 Lakh
40 20 581 2000 3.4 Lakh

Table of contribution levels, for fixed monthly pension of Rs. 2,000 per month to subscribers and his
spouse and return of corpus to nominees of subscribers and the contribution period under Atal
Pension Yojana

Indicative Return of
Monthly Pension to the
Indicative Monthly Corpus to the nominee
Age of Joining Years of Contribution subscribers and his
Contribution (in Rs.) of the subscribers (in
spouse (in Rs.)
Rs.)
18 42 126 3000 5.1 Lakh
20 40 150 3000 5.1 Lakh
25 35 226 3000 5.1 Lakh
30 30 347 3000 5.1 Lakh
35 25 543 3000 5.1 Lakh
40 20 873 3000 5.1 Lakh
Table of contribution levels, for fixed monthly pension of Rs. 3,000 per month to subscribers
and his spouse and return of corpus to nominees of subscribers and the contribution period
under Atal Pension Yojana

Indicative Return of
Monthly Pension to the
Indicative Monthly Corpus to the nominee
Age of Joining Years of Contribution subscribers and his
Contribution (in Rs.) of the subscribers (in
spouse (in Rs.)
Rs.)
18 42 168 4000 6.8 Lakh
20 40 198 4000 6.8 Lakh
25 35 301 4000 6.8 Lakh
30 30 462 4000 6.8 Lakh
35 25 722 4000 6.8 Lakh
40 20 1164 4000 6.8 Lakh
Table of contribution levels, for fixed monthly pension of Rs. 4,000 per month to subscribers
and his spouse and return of corpus to nominees of subscribers and the contribution period
under Atal Pension Yojana

Indicative Return of
Monthly Pension to the
Indicative Monthly Corpus to the nominee
Age of Joining Years of Contribution subscribers and his
Contribution (in Rs.) of the subscribers (in
spouse (in Rs.)
Rs.)
18 42 210 5000 8.5 Lakh
20 40 248 5000 8.5 Lakh
25 35 367 5000 8.5 Lakh
30 30 577 5000 8.5 Lakh
35 25 902 5000 8.5 Lakh
40 20 1454 5000 8.5 Lakh

Table of contribution levels, for fixed monthly pension of Rs. 5,000 per month to subscribers
and his spouse and return of corpus to nominees of subscribers and the contribution period
under Atal Pension Yojana
 Pradhan Mantri MUDRA Yojana (PMMY)

Pradhan Mantri MUDRA Yojana (PMMY) is a scheme launched by the Hon’ble Prime Minister
on April 8, 2015 for providing loans upto 10 lakh to the non-corporate, non-farm small/micro
enterprises. These loans are classified as MUDRA loans under PMMY. These loans are given by
Commercial Banks, RRBs, Small Finance Banks, Cooperative Banks, MFIs and NBFCs. The
borrower can approach any of the lending institutions mentioned above or can apply online
through this portal. Under the aegis of PMMY, MUDRA has created three products namely
'Shishu', 'Kishore' and 'Tarun' to signify the stage of growth / development and funding needs of
the beneficiary micro unit / entrepreneur and also provide a reference point for the next phase of
graduation / growth.

PMMY - Statewise Performance Financial Year: 2015-2016

Table 1: of MUDRA loans and beneficiaries 2015−16

Cat Categories egory No. of accounts Amount disbursed
(` crcatore)
Shishu 324.02 62,028
Kishore 20.69 41,073
Tarun 4.10 29,854
Total 348.81 1,32,955
Out of the above
New entrepreneurs 124.75 58,908
Women entrepreneurs 276.28 63,190
(79%)
Share of SC/ST/ OBC 184.00 49,196.33
(53%)