Jandhan yojana is one of the flagship scheme of current NDA government launched on august 28, 2014 with an aim of financial inclusion of the very disadvantaged section of the country. The whole scheme is based on providing basic banking and micro insurance credit to weaker section. It is not an independent scheme but complimentary of other digital scheme like DBT and recently held demonetization scheme which was rolled down on beleif that financial untouchability is wiped out with jandhan yojana.
The scheme was planned in two phases . The three stages of first phase include universal access to banking , financial literacy programme and providing basic banking account. So the first stage ensures the participation of all needy stakeholder and provide them with required banking infrastructure . The second phase was advanced to creation of credit guarantee fund, micro insurance and unorganized sector pension scheme,
As this scheme is aimed at weaker section of society , the advantages are multilateral in terma of social and economic perspective. The viability of this aaccount due to zero balance opening and overdraft facility of upto 5000 rs. will make way to cashless society as this account comes with Rupay debit card and Internet banking facility. Also the existing loopholes at PDS , LPG MNREGA etc. can be filled through direct benefit transfer in these accounts.
No doubt ,the scheme is rolled down with very good intent but it suffers several setbacks due to improper implementation and weaker economic strength of people. Also the impractical targets lead to malpractices by bankers and even these accounts were misused aftermath of demonetization. What we need a falseproof system and also some basic funding only to the targetd masses. A proper implementation of this scheme will definitely wipe out the 'POOR' word from our country.
Will there be any waiting list in ssc cgl selection? (there are high chances that some candidates who are already in job and if they didn't get the post they desired may not opt to go for the job) Anybody throw some light on this aspect...
एक भाई नेअपनी पत्नी को सुबह 5 बजे से बैंक की लाइन में खड़ा करवा दिया और खुद office चला गया
शाम को जब वापस आया तो पत्नी बोली -
धूप में खड़े-खड़े दो बजे बैंक के दरवाजे में घुसी और तीन बजे कैशियर के सामने पहुँची,
मुझे खड़ा कर वो चाय पीने चला गया..!
आधे घण्टे बाद आया और कम्प्यूटर पर बैठ कर बोला
*" सॉरी मैम पैसे नहीं हैं...! "*
आपकी कसम मुँह मिर्ची खाये जैसा हो गया,
मेरे तो तन-बदन में आग सी लग गई,
*सारे दिन*
*रोई...परेशान हुई.*
*घर का सारा काम छोड़ कर भूखी-प्यासी इतनी देर खड़ी-खड़ी पाँव तोड़े और आखिर मैं यह जवाब...? पैसे नहीं है...!*
पति गुस्सा करता हुआ बोला : -
और तुम पागलों जैसी यूँ ही आ गईं..?
उनका कुछ नहीं कर पाईं...?
मुझ पर तो आज तक 15 बेलन तोड़ चुकी हो कम से कम एक बेलन उनपर तोड़ आती उनको भी तो कुछ मालूम पड़ता.
पत्नी बहुत ही धीरज से बोली : -
*"बेलन तो*
*आज एक और टूटेगा...!*
*पैसा*
*बैंक में नहीं .....*
*तुम्हारे खाते में नहीं था..!*