Pradhan Mantri Jan Dhan Yojana is a National Mission (PMJDY) has been started by the prime minister of India, Narendra Modi, on 28 August , 2014. He announce this scheme during his first Independence Day speech on 15 August, 2014. The scheme aims at ensuring the common man living in India to have access to financial services like banking savings and deposit accounts, remittance, credit, insurance, pension and other financial benefits granted by the government, for the deserving sections, in future.
!.5 crore bank accounts were opened under this scheme. This entered the Guiness book of World Records. According to the Guinness World Records Certificate, most bank accounts opened in one week As announced by the PM of India, Jan Dhan is a scheme to benefit the common man of India. Thus this scheme has a lot of benefits for families opening an account under this scheme.
The massive opening of the accounts should have targeted only those families who do not possess any bamk account. But the achievement of PMJDY needs to reach and relieve still many families who have not yet managed to open an account. There is still,an existence of rich classes who have a great influence on the rural poor. The timidity of such poor prevent them from having an account. As such, a regular vigilance through secret methods, should be initiated with a political will to rescue such families from the traditional suffering. When all the needy and the people who fall in BPL, avail themselves of the scheme, the nation will have achieved one milestone in the path of progress. This may be one task but it would bring out such families who are always deprived of the government benefit stream. In most welfare schemes during the past decades, the money meant for the poor, either got embezzled or has been got deviated to the well-doing sections of the rural and urban society.
Controlling the above pilferage, will be a Herculean task for the government machinery. Firstly, the lack of political will among the leaders, add the administrative officials into their corrupt stream. Secondly, the complaisant nature of the downtrodden section of rural society, makes the work easy for the 'bada babus and bada sahebs, who are the actual rulers of the village.
Hence, when a scheme is rolled out, the basic preventive measure to be taken is to see that it does not go off the track. Otherwise, the deserving needy, living in the remote corners of rural India, remain aloof, from the government's financial stream, which basically meant for the upliftment of the downtrodden. Secondly, the branches of the banks, must be extended in a way to reach such families, which live far away from the banks, and do not have a road connectivity.
On the other hand, the government has to feel complacent with the number of accounts opened. The fact is that the existing account holders have a lion's share in the figure of 1.5 crore achieved. The duplication of accounts, is not only a waste of time for the bankers, but also a waste of stationery. Such schemes are not only impressive by nature but also an uphill task for the government. For instance, when a man ventures into path with many thorns, he should be equipped with shoes. So, the speed of opening the accounts and the numbers of accounts alone, cannot give quality.
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