IJSR - International Journal of Scientific Research

Dr.RAJASHEKAR V. BEERALLI

Volume : VI, Issue : IV, April - 2017

A Study on Public Perception towards Pradhan Mantri JanDhan Yojana (With special reference to Chincholi Taluka)

Dr. Rajashekar V. Beeralli

Abstract :

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 anch or Business Correspondent (Bank Mitr) outlet. PMJDY accounts 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. Documents required to open an account under Pradhan Mantri Jan–Dhan Yojana If Aadhaar Card/Aadhaar Number is available then no other documents is required. If address has changed, then a self certification of current address is sufficient.

The major essentiality for this scheme in Chincholi taluka is creating the awareness and advantages of PMJDY. Majorly awareness creation by financial institutions or banks is more effective.