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that this balance continues to earn interest equal to the interest applicable on active accounts and can be claimed and withdrawn by the depositors at any time after the account is reopened.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.

The post Jandhan Account: Big update regarding Jan Dhan account from the Finance Ministry, see details first appeared on Rightsofemployees.com.

How can you get this amount deposited in your account? Know the whole process.

Poor will get overdraft

This scheme of the central government is like a boon for the poor. The biggest feature of this scheme is that you can apply for overdraft on your account. Any account holder can take advantage of the overdraft facility, but for this, you will have to contact your bank manager. Overdraft facility is a type of loan. After contacting the branch, the bank can give you an overdraft, which you can easily withdraw with an ATM card or UPI.

Interest is to be paid on a daily basis in the overdraft facility. If you deposit the payment again in OD, then you do not have to pay interest on that amount. Earlier, the bank used to provide overdraft facility of Rs 5 thousand in PM Jan Dhan accounts. Now it has been increased to 10 thousand rupees. To take advantage of overdraft, your Jan Dhan account should be at least 6 months old.

open account like this

You can open an account under this scheme of the government. For this you will just need Aadhar card and PAN card. In this scheme, the account of children above the age of 10 years can be opened. On opening the account, the account holder gets a Rupay debit card. You also get an insurance cover of Rs 2 lakh on this card. Along with this, a life insurance cover of Rs 30,000 is also given.

Millions of accounts opened so far

In this scheme of the government, accounts of 46.25 crore beneficiaries have been opened so far. The number of accounts under this scheme in March 2015 was only 14.72 crore. At the same time, by 10 August 2022, the number of these accounts has increased three times to 46.25 crores.

The post Jan Dhan Account: You can withdraw 10 thousand rupees from Jan Dhan account at any time, know the whole process here first appeared on Rightsofemployees.com.