CRITICAL EVALUATION OF PRIME

MINISTER’S JAM(JANDHAN,
AADHAR, MOBILE) STRATEGY

SUBMITTED BY:
Yatika Kashyap(19BSP3352)
Divyanshi(19BSP0889)
Anushriya Bhargava(19BSP3700)
Sanjay Jain(19BSP2453)
HemantKumar Kale(19BSP1076)
Vinit Pawar(19BSP3236)
Mayur Shetye(19BSP1546)
 SANJAY JAIN (19BSP2453)
SANJAY JAIN (19BSP2453)
H E M A N T K HEMANTKUMAR
U M A R K A L E KALE
( 1 9 B (19BSP1076)
SP1076)
Y A T I K A K YATIKA
ASHYA P ( 1 9 B (19BSP3352)
KASHYAP SP3352)
D I V Y A N SDIVYANSHI
H I ( 1 9 B S(19BSP0889)
P0889)
A N U S H R I Y AANUSHRIYA
B H A R G ABHARGAVA
VA (19BS (19BSP3700)
P3700)
M A Y U R SMAYUR
H E T Y SHETYE
E ( 1 9 B (19BSP1546)
SP1546)
VINIT PAWAR (19BSP3236)
VINIT PAWAR (19BSP3236)
 FACTS

Indian’s finance buzz word- found place into important

documents recently:
The economic survey 2016-2017
Union budget 2019
According to the economic survey of , there are about
294.8 million Jan Dhan accounts
1.246 billion Aadhar cards
800 million mobile phone users
JAN DHAN AND AADHAR GRAPHS
 JAN DHAN YOJANA

It was launched in 2014 by prime minister Narendra Modi

with the help of ministry of finance.
Pradhan Mantri Jan Dhan Yojana (PMJDY) is a National
Mission for Financial Inclusion to ensure access to
financial services, namely, banking/savings & Deposit
accounts , Remittance , Credit , Insurance, Pension in an
affordable manner
 FEATURES OF JAN DHAN BANK ACCOUNT

 No minimum balances
 Interest on deposit
 Rupee debit card
 Life insurance cover of rupees 30,000
 Amount collected rupees 380.47 billion
 Beneficiaries of govt. Schemes will get direct benefit
transfer in these accounts
 An overdraft facility up to rupees 5,000
 AADHAR

 Launch in January 2009

 Unique identification number
 Aadhar card serves as an address proof and identity proof
 76.83 corer Aadhar number generated, out of total
population of 121.01 core (census 2011), 15 febuary,2016
 Rupees 11,366 core has been spent until august 2019 on
the project.
 FEATURES OF AADHAR CARD

 In Aadhar uniqueness is determined through the biometric

 Any resident of India including infants can enrol for Aadhar
 No fees charged at any stage under these scheme
 Aadhar number remain valid for life
 Aadhar number helps providing access to services like
banking, mobile phone connections and other govt. And
non-govt. services in due courses
 The unique identification authority of India (UIDAI) is the
regulatory body on the behalf of the govt.
 Usage of Aadhar card

LPG subsidy
Passport
Buying new vehicle and driving licence
Bank account
Voter card linking
Monthly pension
New Sim card
Digital locker
 MOBILE

There are almost 900 millions users of mobile phone

users in India.
By 2020, 90% of the world population over 6 years old
will have a mobile phone, with number of smart phones
reaching 6.1 billion.
An average Indian spends only 5 hours accessing internet
and out of the 3 hours spent on mobile internet, only 45
minutes are spent doing any other work apart from social
media.
 ADVANTAGES OF JAM

904 million mobile phones registered users

Direct transfer of funds
Cut all the intermediaries
Bio metric identification of citizen with accuracy
Unique identification for each individual
Access to a digital platform from the rural areas
 CHALLENGES OF JAM

The First Mile Challenge

The Middle Mile Challenge

The Last – Mile Challenge

THANK YOU...SSS