JAN DHAN YOJNA:

A COMPARITIVE ANALYSIS OF
CG, UP AND KERALA
Submitted to:
Prof. Dr. Hanumant Yadav
(Prof. OF ECONOMICS)

Submitted by:
SWARNIKA TIRKEY
B.A. LLB (HONOURS)
Semester 3, Section -B , Roll no. 176

HIDAYATULLAH NATIONAL LAW UNIVERSITY

RAIPUR, CHHATTISGARH

CONTENTS
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2)
3)
4)
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8)
9)

INTRODUCTION
OBJECTIVES
RESEARCH METHODOLOGY
INTRODUCTION
PURPOSE
PMJDY IMPLIMENTATION IN CHATTISGARH, UTTAR PRADESH AND KERALA
COMAPRITIVE STUDY OF THE THREE STATES
CRITICISMS OF THE SCHEMES
BIBLIOGRAPHY

CHAPTER 1: INTRODUCTION
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is India's National Mission for Financial Inclusion
to ensure access to financial services, namely Banking Savings & Deposit Accounts, Remittance,
Credit, Insurance, Pension in an affordable manner.

CHAPTER 2: PURPOSE
The scheme has been started with a target to provide 'universal and clear access to banking
facilities' starting with "Basic Banking Accounts" with overdraft facility of 5,000 (US$74) after
six months and RuPay Debit card with inbuilt accident insurance cover of 1 lakh (US$1,500)
and RuPay Kisan Card. In next phase, micro insurance & pension etc. will also be added.

CHAPTER 3: PMJDY IMPLIMENTATION IN CHATTISGARH, UTTAR

PRADESH AND KERALA

CHAPTER 4: COMPARITIVE STUDY

CHAPTER 5: CRITICISMS
The scheme has been criticized by opposition as an effort to please voters that has created
unnecessary work-burden on the public-sector banks.