PSBs Branches in Rural Areas for Success of PMJDY

Ministry of Finance
PSBs Branches in Rural Areas for Success of PMJDY
Posted On: 16 JUL 2019 by PIB Delhi
Under Pradhan Mantri Jan Dhan Yojana (PMJDY), account holders are provided banking services free of charge and without any requirement of maintaining minimum balance. As per the information provided by banks, district-wise number of accounts opened under PMJDY in Gujarat as on 03.07.2019 is at Annexure I. State-wise details of deposit balance in PMJDY as on 03.07.2019 is at Annexure II.
Reserve Bank of India (RBI) has rationalized its Branch Authorisation Policy and granted general permission to domestic Scheduled Commercial Banks (excluding Regional Rural Banks), including Public Sector Banks, to open banking outlets (a fixed point service delivery unit, manned by either bank’s staff or its Business Correspondents) at any place in the country, without seeking prior approval of RBI in each case, subject to at least 25 percent of the total number of banking outlets opened during a financial year being in unbanked rural centres (Tier 5 and Tier 6 centres ie. having population less than 10,000). For this purpose, banking outlets opened in any centre having population less than 50,000 in North Eastern states and Sikkim and also Left Wing Extremism (LWE) affected districts as notified by the Government of India are also considered as equivalent to opening of banking outlets in unbanked rural centres.
Under PMJDY scheme all villages were mapped into 1.59 lakh Sub-Service Areas (SSAs) where one SSA catering to 1,000 to 1,500 households. As informed by banks, while 0.33 lakh SSAs have been covered with bank branches, 1.26 lakh SSAs have been covered by deployment of interoperable Bank Mitras.
              As per RBI, since the launch of PMJDY in August 2014, the number of rural branches of Scheduled Commercial Banks (SCBs) has increased from 41,823 in March 2014 to 51,653 in March, 2019. Further, number of Branch less mode / Business Correspondents (BCs) of Scheduled Commercial Banks (SCBs) in rural areas has also increased from 3.37 lakh in March, 2014 to 5.15 lakh in March, 2018.
This was stated by Shri Anurag Singh Thakur, Minister of State for Finance & Corporate Affairs in a written reply to a question in Lok Sabha today.
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DSM/RM/PD
Annexure I 
“PSBs branches in rural areas for success of PMJDY
Total Number of accounts opened under  PMJDY in Gujarat as on 03.07.2019
District
PMJDY Accounts
Ahmadabad
1137933
Amreli
227839
Anand
470256
Arvalli
255369
Banas Kantha
1024251
Bharuch
494486
Bhavnagar
586314
Boatad
118779
Chhotaudepur
121133
Devbhoomi Dawarka
87637
Dohad
844455
Gandhinagar
205834
Gir Somnath
165110
Jamnagar
331213
Junagadh
315936
Kachchh
484639
Kheda
535284
Mahesana
401521
Mahisagar
61134
Morbi
97760
Narmada
241106
Navsari
356933
Panch Mahals
607206
Patan
359394
Porbandar
86108
Rajkot
552828
Sabar Kantha
420025
Surat
1450148
Surendranagar
409055
Tapi
199603
The Dangs
102381
Vadodara
788624
Valsad
535919
Total
14076213
Source: Banks
Annexure II 
“PSBs branches in rural areas for success of PMJDY
Deposit in PMJDY accounts as on 03.07.2019
State
Deposit in PMJDY Accounts (in Rs. crore)
Andaman & Nicobar Islands
23.76
Andhra Pradesh
1981.73
Arunachal Pradesh
118.07
Assam
3519.40
Bihar
9888.03
Chandigarh
105.10
Chhattisgarh
3214.06
Dadra & Nagar Haveli
49.67
Daman & Diu
18.89
Delhi
1783.14
Goa
90.79
Gujarat
4264.10
Haryana
3253.33
Himachal Pradesh
592.18
Jammu & Kashmir
949.45
Jharkhand
3194.51
Karnataka
3639.04
Kerala
1295.84
Lakshadweep
8.38
Madhya Pradesh
5134.27
Maharashtra
6058.64
Manipur
201.56
Meghalaya
244.02
Mizoram
88.03
Nagaland
54.79
Odisha
4494.46
Puducherry
39.52
Punjab
2555.18
Rajasthan
7541.72
Sikkim
39.66
Tamil Nadu
1937.10
Telangana
1694.20
Tripura
682.05
Uttar Pradesh
18235.10
Uttarakhand
1108.46
West Bengal
12397.70
Total
100495.95
Source: Banks
Source: PIB

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