Giving information on Tuesday, the government said that about 20 percent of the accounts of Pradhan Mantri Jan Dhan Yojana (PMJDY) in the country are inactive. Minister of State for Finance Bhagwat K Karad said in a written reply in the Rajya Sabha that out of the total 10.34 crore inactive PMJDY accounts as of December 6, 4.93 crore are of women.

He said that according to the data received from banks, about 20 percent of the approximately 51.11 crore PMJDY accounts were inactive till December 6.

Rs 12,779 crore in inactive account

He said that the percentage of inactive PMJDY accounts is similar to the percentage of total inactive accounts in the banking sector. He said that the balance deposited in inactive PMJDY accounts is approximately Rs 12,779 crore, which is approximately 6.12 percent of the total deposited balance in PMJDY accounts.

He said that this balance continues to earn interest equal to the interest applicable on active accounts and can be claimed and withdrawn by the depositors at any time after the account is reopened. He said banks are making concerted efforts to reduce the percentage of inoperative accounts and the progress is being regularly monitored by the government.

Finance Ministry gave information

Finance Ministry bans social media platform ‘X’ But it is written that out of the total beneficiaries of this scheme, 55.5 percent are women. According to the ministry, till November 22, a total of Rs 2.10 lakh crore was deposited in these accounts. However, in the total 4.30 crore accounts opened under this scheme, only zero amount was deposited. The reason for this is that there is no obligation to keep any minimum amount in Jan Dhan accounts.

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Now Jan Dhan account holders will get the benefit of Rs 3000 every month. Let us tell you that the money of all government schemes is first transferred to Jan Dhan accounts only. So if you do not have Jan Dhan account, then open it immediately.

3000 rupees will be available every month

In fact, under the Pradhan Mantri Shram Yogi Maandhan Yojana, the government provides Rs 3,000 every month to Jan Dhan account holders. A nominal contribution will have to be made in this scheme, but this will provide for pension in old age. Under the scheme, the entire Rs 3000 is transferred every month by the government to the Jan Dhan account holders.

The money received under this scheme is given in the form of pension. Any person from 18 years to 40 years can participate in the Central Government’s Maandhan scheme. When a person turns 60 years old. Then the money of this scheme is transferred to him. In this, 36000 rupees are transferred annually.

These people will get benefit

People working in the unorganized sector will get the benefit of this scheme. Street vendors, mid-day meal workers, brick kiln workers, cobblers, rag pickers, domestic workers, washermen, rickshaw pullers, landless laborers can take advantage of this scheme. You can take advantage of this only if your monthly income is less than Rs 15000.

how much premium will have to be paid

Under this scheme, a contribution of Rs 55 to Rs 200 has to be made every month according to different ages. If you join this scheme at the age of 18, then you will have to pay Rs 55 every month. Those of 30 years will have to pay Rs 100 and those of 40 years will have to pay Rs 200. To register in this scheme, you will need the IFS code of your savings bank account or Jan Dhan account. Apart from this, you should have Aadhar card and a mobile number.

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