All About Pm Jan Dhan Yojana & Swachh Bharat Mission (in Hindi)

Lesson 4 of 6 • 12 upvotes • 9:36mins

Vikas Kumar Singh Tomar

Pradhan Mantri Jan Dhan Yojana (PMJDY) or National Mission for Financial Inclusion was launched on 28 August 2014 to ensure affordable access to financial services viz. Bank accounts, remittance, credit, insurance and pension. Objectives This scheme was launched to provide basic banking accounts to 7.5 crore unbanked people with RuPay debit card and overdraft facility (after six months). Facilities Thus the scheme provided: A bank account with no minimum balance; and interests on deposits Debit cards Accidental Insurance Cover of Rs. 1 Lakh; life cover of Rs.30000/- payable on death of beneficiary. The Swachh Bharat Abhiyan or Mission, launched on 2nd of October 2014, is so far the largest programme on sanitation by Indian Government. It has two sub-Missions viz. Swachh Bharat Mission (Rural) and Swachh Bharat Mission (Urban). While rural mission comes under the purview of Ministry of Drinking Water and Sanitation; the urban mission comes under Ministry of Urban Development. Key Objectives The basic objective is to provide sanitation facilities to every family, including toilets, solid and liquid waste disposal systems, village cleanliness, and safe and adequate drinking water supply by 2nd October, 2019. It will be a befitting tribute to the Father of the Nation on his 150th birth anniversary. Following are the some important objectives of the Swachh Bharat Abhiyan: To eradicate the system of open defecation in India. To convert the insanitary toilets into pour flush toilets. To remove the system of manual scavenging. To make people aware of healthy sanitation practices by bringing behavioral changes in people. To link people with the programmes of sanitation and public health in order to generate public awareness. To build up the urban local bodies strong in order to design, execute and operate all systems related to cleanliness. To completely start the scientific processing, disposals reuse and recycling the Municipal Solid Waste. To provide required environment for the private sectors to get participated in the Capital Expenditure for all the operations and maintenance costs related to the clean campaign. Overdraft facility up to Rs.5000/- on satisfactory operation of 6 months. Easy transfer of money across India. Transfer of benefits under DBT in these accounts. Access to pension and insurance products. PMJDY and Supply Side Approach to Financial Inclusion The scheme was based on a supply side model by improving the delivery systems. Though these efforts did not make success in past, the government’s campaigning resulted in success of this scheme. The new scheme has tried to include each of them by bringing various facilities under one umbrella. Mission Mode and 6 Pillars of PMJDY PMJDY to be executed in the Mission Mode, envisages provision of affordable financial services to all citizens within a reasonable distance. It comprises of the following six pillars: