Has Gujarat Surpassed 1.94 Crore Jan Dhan Accounts in Financial Inclusion Initiative?
Click to start listening
Synopsis
Gujarat has made impressive strides in financial inclusion, opening over 1.94 crore Jan Dhan accounts. This initiative aims to provide banking access to millions, ensuring essential services reach even the most underserved communities. Discover how this campaign is transforming financial landscapes across the state.
Key Takeaways
- Gujarat has opened over 1.94 crore Jan Dhan accounts.
- Zero-balance accounts promote financial accessibility.
- Insurance and pension benefits are linked to these accounts.
- 'Jan Suraksha Santushti Abhiyan' enhances outreach efforts.
- Doorstep banking services are provided to underserved areas.
Ahmedabad, Aug 4 (NationPress) Gujarat has achieved a significant milestone by surpassing 1.94 crore bank accounts opened under the Pradhan Mantri Jan Dhan Yojana (PMJDY), facilitating access to vital banking services for millions of individuals in both rural and urban settings.
The state has made considerable progress in integrating citizens into the banking system through zero-balance accounts, according to official data released on Monday.
These accounts not only provide essential savings and financial transaction capabilities but also link account holders to crucial social security benefits such as the Pradhan Mantri Jeevan Jyoti Bima Yojana (life insurance), Pradhan Mantri Suraksha Bima Yojana (accident insurance), and the Atal Pension Yojana.
To further enhance this outreach effort, the Central government has initiated a special three-month campaign -- ‘Jan Suraksha Santushti Abhiyan’ -- running from July 1 to September 30, aimed at promoting financial inclusion and social protection.
This initiative is being implemented across all 14,610 gram panchayats and urban local bodies in Gujarat, with Village Computer Entrepreneurs (VCEs) assisting citizens in opening accounts, completing KYC formalities, registering nominees, and raising awareness about digital fraud prevention and dormant deposit claims.
The campaign also aims to provide doorstep delivery of essential banking and pension services at little or no cost, particularly in remote and underserved regions.
Individuals without current bank accounts are encouraged to establish basic savings deposits or small accounts with zero balance, requiring no minimum deposit.
Account holders are provided with RuPay debit cards, and those who use their cards at least once every 90 days qualify for accident insurance coverage of up to Rs 2 lakh. Moreover, after six months of satisfactory account operation, beneficiaries are eligible for an overdraft facility of up to Rs 10,000.
The campaign was officially launched at the state level from Pundhara village in Gandhinagar district on July 1, with a virtual inauguration conducted by Chief Minister Bhupendra Patel alongside Finance Minister Kanu Desai.
This scheme also ensures seamless delivery of subsidies and benefits under various programs such as LPG (DBT), MNREGA wages, pensions, and scholarships directly into beneficiaries’ bank accounts. Additional digital services like mobile banking and UPI support are also being made available, enhancing the accessibility of financial transactions to the last mile.
Point of View
This initiative by the Gujarat government represents a crucial step towards achieving comprehensive financial inclusion. By prioritizing access to banking for all citizens, the state is not only fostering economic growth but is also ensuring that vulnerable populations are supported through social security schemes. This approach aligns with national goals and showcases the importance of inclusive financial practices in a rapidly evolving economic landscape.
NationPress
19/08/2025
Frequently Asked Questions
What is the Pradhan Mantri Jan Dhan Yojana?
The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a national mission aimed at financial inclusion, ensuring access to banking services for all citizens, particularly the underserved.
How many accounts have been opened under PMJDY in Gujarat?
Gujarat has opened more than 1.94 crore accounts under the Pradhan Mantri Jan Dhan Yojana as part of its financial inclusion efforts.
What benefits do Jan Dhan account holders receive?
Account holders benefit from essential banking services, zero-balance accounts, insurance coverage, and access to social security schemes.
What is the purpose of the 'Jan Suraksha Santushti Abhiyan' campaign?
The campaign aims to enhance financial inclusion and social protection, providing door-to-door banking services to citizens.
What features are available for Jan Dhan account holders?
Features include RuPay debit cards, accident insurance, overdraft facilities, and seamless delivery of government benefits.
