Challenges for JAM

1. Aadhar Coverage:

(Source: Economic Survey of India 2015 2016)

According to the Economic survey 2015-2016, only few states achieved 100 percent aadhar
coverage. In order to make JAM a successful initiative, government to work towards 100 percent
aadhar coverage in all the states across the country.
2. Jan Dhan Accounts Coverage:
According to Economic survey 2015 to 2016, Jan Dhan Accounts coverage is less than 50
percent in most of the states across the country. It is a big challenge for the government to get
100 percent coverage across all the states in the country. But the government should work
towards it to make JAM a successful one.

(Source: Economic Survey of India 2015 2016)

3. Dormant Accounts:
As per the report in January 2015, only 28 percent of the accounts opened under Jan
Dhan Yojana scheme was active. All the other accounts have zero balances and are dormant. In
order to make the initiatives successful, these accounts should be made successful.
4. Last Mile Connectivity:
The figure shows the population density of the BCs- people per BC. In India, Only 27
percent of the villages have banks within 5 kms. Some states have very poor last mile
connectivity. The government should take all the necessary steps to achieve the last mile
connectivity.

(Source: Economic Survey of India 2015 2016)

5. Mobile Coverage across states:

Mobile coverage and internet access are very essential for successful implementation of
JAM. But according to the survey, some of the states in the India has very poor network
coverage. Hence it is important challenge waiting for the government to ensure or provide 100
percent mobile network coverage to all the states in the country. The mobile coverage
distribution across the country is clearly explained below.

(Source: Economic Survey of India 2015 2016)

6. Training the beneficiaries to get used to the system:
Most or almost all of the beneficiaries of JAM are below poverty line (BPL) families. They
were not used to do cashless transactions and also they may have less knowledge towards all
these things. They need to be trained to use all these things. In order to make the program
success the government must ensure that all the users or beneficiaries have adequate knowledge
about the system. It is the important challenge for the government to overcome. (Economic
survey 2015-2016, 2016)
JAM Preparedness Index - Rural

(Source: Economic Survey of India 2015 2016)