PMJDY- Financial Inclusion atana National Mission chu hlawhtling takin kum 6 kalpui tawh

• PMJDY hi Modi-a kaihhruai sorkar-in mipui tana chhenfakawm ei leh bar lama hmasawnna hna an kalpui innghahna lungphum a ni - Finance Minister
• Bul tan anih tirh atangin PMJDY hnuaiah hian beneficiary vaibelchhe 40.35 chuang an awm tawh a, sum pek chhuah tawh hi cheng vaibelchhe nuai 1.31 a tling tawh a ni.
• Thingtlang PMJDY account hi 63.6% a ni a; hmeichhe PMJDY account hi 55.2% a ni
• PM Garib Kalyan Yojana hnuaiah April-June, 2020 chhung khan hmeichhe PMJDY account ah a zavaiin cheng nuai 30,705 thun a ni
• PMJDY account holder vaibelchhe 8 velte chuan scheme hrang hrang hnuaiah Sorkar atangin direct benefit transfer (DBT) an dawng a ni.

August 2, 2020: Ministry of Finance chuan dinhmun chhe zawk leh khawsak harsa zawkte tana financial inclusiveness siam tur leh chhawmdawlna pe turin hma a la a. Hmasawnna huapzo thlentu atan a ram tana pawimawh hmasa anih avangin Sorkar chuan financial inclusion hi a ngai pawimawh hle a. Miretheite’n an sum khawl financial system pangngai a an dah luh theihna anih bakah thingtlang khua a awm an chhungte hnena pawisa an thawn theihna leh a  pung tam tak awm a sum puk tir thinte lak atanga an vawnhim theihna hmanrua a nih avangin a pawimawh hle a. Hemi kawnga hmalakna langsar tak chu Pradhan Mantri Jan Dan Yojna (PMJDY), khawvela financial inclusion lama hmalakna lian berte zing a pakhat hi a ni.

PMJDY hi Prime Minister Pu Narendra Modi-a’n August ni 15, 2014 a Independence Day thuchah a sawi tumin a puang a. August ni 28, 2014 a he programme a hawnnaah hian Prime Minister chuan an tanna retheihna khur thim atanga miretheite tihzelnna anih avangin hlim taka lawm tlak a ni a ti.

PMJDY kum 6 tlin champhaah hian Union Minister for Finance & Corporate Affairs , Pi Nirmala Sitharaman chuan he Scheme pawimawhna hi sawi nawn lehin, “The Pradhan Mantri Jan Dhan Yojana hi Modi-a kaihhruai sorkar-in mipui tana chhenfakawm ei leh bar lama hmasawnna hna an kalpui innghahna lungphum a ni a.  Direct benefit transfer-te, COVID-19 sumfai chhawmdawlnate, PM-KISAN,  MGNREGA hnuaia hlawh tihpunte leh insurance tihsakte; eng scheme pawh nise hmalakna hmasa ber chu puitling zawng zawngte bank account neih tir a ni a; PMJDY hian he hmalakna hi a zawhfel pui hnai tawh a ni” a ti.

Minister of State for Finance & Corporate Affairs Pu Anurag thakur chuan he hunah hian PMJDY chungchang a a ngaihdan sawiin, “Prime Minister Narendra Modi kaihhruaina hnuaiah PMJDY hian bank huang a la tel ngailote banking system huangah a hruailut a. He hmalakna hian India ram financial architecture huang a ti zau a, account holder vaibelchhe 40 chuangte tan financial inclusion a thlen sak a. Beneficiary tam zawkte hi hmeichhia annih bakah account tam zawk hi India ram thingtlang khua a mite an ni a.  Kan tunlai dinhmun a COVID-19 hripui leng karah hian awlsam leh harsatna awm lova DBT hman a nih dante kan hmuh bakah kan chhung a dinhmun harsa zawkte tan financial security a siam sak a. PM Jan Dhan account atan a DBT hman anih dan a thilchhinchhiah tlak tak chu a bo a bang awm lova a dawngtu tur beneficiary account a felfai taka sum a lut hi a ni” a ti.

He Scheme hi hlawhtling taka kum 6 kalpui theih a lo nih takah hian tun dinhmun thleng a he scheme kalphung leh hlawhtlinna awmte kan bihchiang a ni.

A bul thum

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.

Pradhan Mantri Jan-Dhan Yojana (PMJDY) hi financial inclusion atan a National Mission a ni a. He hmalakna hian financial service hrang hrang - Banking/Savings & Deposit Accounts, Remittance, Credit, Insurance leh Pension te mitin ban phak leh hman theih a siam a tum a ni. 

A thiltumte:

Financial product-te & service-te manto lutuk lova hman theih tura siam

Man tlawm zawk leh darh zau zawk a kalpui thei tura technology hman

Scheme innghahna leh kalphungte

Bank hmang lo bank hman tir - Paperwork tlem theih ang ber, KYC a inngaihhnathiam, e-KYC hman, camp mode hmang a account hawn, zero balance leh engmah chawi ngailova basic savings bank deposit (BSBD) account hawn.

Invenna neiloinvenna siamsak - Sumdawnna hmun a cash withdrawals & payments tihna atana Indigenous Debit cards pekchhuah leh a thlawn a cheng nuai 2 cover thei accident insurance tihsak.

Funding the unfunded Fund neilote fund pek -  Financial product dangte - micro-insurance, consumption atan a overdraft, micro-pension & micro-credit ruahman sak.

A tira a kalphung tlangpui

Scheme hi innghahna ban 6 nei a hawn a ni:

Mitin banphak a banking services siam – Branch leh BC

Housemicro-insurance, consumption atana overdraft, micro-pension & micro-credit zawng zawng atana Rs. 10,000/- overdraft facility keng tel savings bank account siam.

Financial Literacy Program– Savings uar tura inzirtir, ATM hman tangkai, credit atana inbuatsaih, insurance leh pensions neih,banking atan a mobile phones hman

Credit Guarantee Fund siam – default kaihhnawih a bank te tana guarantee tlem a zawng siamsak

Insurance – August ni 15, 2014 atanga January ni 31, 2015 inkara account hawnte tana Accident cover up Rs. 1,00,000 thleng leh life cover Rs. 30,000 thleng tihsak

Unorganised sector a thawktute tana Pension scheme ruahman sak

Tawn hriat atang a PMJDY a kalphung pawimawh ruahman:

Bank-te core banking system-ah hian account hawnte hi online account an ni a. Tun hma chuan vendor hnenah technology lock-in pein offline account hawn thin a ni.

RuPay debit card emaw Aadhaar enabled Payment System (AePS) hmang a Inter-operability tih

Fixed-point Business Correspondents

KYC kalphung buaithlak tak thlakna atan KYC awlsam/ e-KYC hman a ni.

Kalphung thar hmang a PMJDY huang zauh – Sorkar chuan PMJDY program ah hian thil thenkhat her danglamin 28.8.2018 hnuah kalpui chhunzawm turin thuthlukna a siam

‘In tin’ atangin ‘Puitling bank hmang lo zawng zawng’ ah inthlurbing a ni.

RuPay Card Insurance - PMJDY tana a thlawn a RuPay card a accidental insurance cover nuai khat ni thin chu nuai 2 ah tihpun a ni. 

Overdraft facility tihpun -

OD limit chu a let a tihpun niin Rs 5,000/- atangin Rs 10,000/- ah;  OD Rs 2,000/- thleng (conditions awm lovin).

OD atan a kum bithliah chu 60 atang a 65 ah tihsan a ni

August ni 19, 2020 thleng a PMJDY hnuaia hlawhtlinna awm tawhte:

a kimchangin hetah kan dah e.