Essay on Jan Dhan Yojana | Jan Dhan Yojana Essay

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Jan Dhan Yojana Essay

Jan-Dhan Yojana is a national mission to connect every Indian (especially weaker sections and low-income groups people) to various financial services (such as saving bank account, need based credit, remittances facility, insurance, and pension) using advance technology. Jan Dhan Yojana is also known as Pradhan Mantri Jan Dhan Yojana as it was run by the Indian Prime Minister, Narendra Modi as a People Money Scheme to add each and every people of India to the bank account and savings.
Jan Dhan Yojana is an account opening and money saving scheme especially made by the Indian Prime Minister, Narendra Modi for the poor people of India to connect them to the bank account and give all the benefits of the opening account. This scheme was launched by the PM on 28th of August two weeks later to the Indian Independence Day. This account opening and money saving scheme was launched as a national challenge to bring each and every Indian citizen to the bank and connect to its benefits.
Many programmes have been implemented to make this scheme a successful scheme. Around 60,000 enrolment camps has been set up in the rural areas to draw people’s mind, explain them about the processes and benefits of opening bank account as well as make them aware about the importance of bank accounts.

Long and Short Essay on Jan Dhan Yojana in English

Let your kids to know something about this scheme and participate in the essay writing competitions in the school or outside the school using such simple and easily written essay on Jan Dhan Yojana. You can select any Jan Dhan Yojana essay given below:

Long Essay on Jan Dhan Yojana in English

Introduction

With a view to providing banking facilities to maximum population of the country, the Government of India has launched Pradhan Mantri Jan Dhan Yojana. The scheme was inaugurated by Prime Minister Narendra Modi on 28 August 2014. Under this scheme any Indian adult citizen can open an account in nationalize banks with zero balance and very few documents.

Benefits of Pradhan Mantri Jan Dhan Yojana

The Pradhan Mantri Jan Dhan Yojana account actually falls under the category of Basic Savings Bank Deposit Account. The rules are very simple in terms of keeping balance and documents in such accounts, but there are also some restrictions in terms of money transactions and other facilities.

The Main Features of Pradhan Mantri Jan Dhan Account are as follows-
  • The account can be opened with zero balance.
  • No minimum deposit or balance is mandatory.
  • 4 percent interest rate on deposits.
  • ATM Card facility is provided.
  • Rupay Debit Card facility for the account holders is also bestowed.
  • Mobile Banking & SMS alert are available.
  • Facility for sending and ordering money anywhere in the country.
  • Accident Insurance cover up to one lakh rupees.
  • Life insurance of 30 thousand rupees.
  • Benefit of Subsidies, Pension, Insurance etc.
  • Overdraft facility up to Rs 5000.
Limitations of PM Jan Dhan Account
  • Fees for withdrawing money more than 4 times: One can withdraw money at most 4 times in a month including ATM transactions. The bank will charge a fee Rs 10 per withdrawal for withdrawing money more than this. However, there is no such restriction or limit in relation to depositing money.
  • Restriction of maximum balance: The total deposits in such accounts during a year cannot exceed Rs 1 lakh and the balance cannot be kept more than Rs 50 thousand at any one time.
  • Maximum transaction reimbursement: Total withdrawal in a month cannot exceed Rs. 10 thousand.
  • No check draft facility on zero account: Basically no minimum balance is required to maintain Jan-Dhan account, but if you want to get the facility of check or draft, then it is necessary to keep the necessary bank balance as well.

Short Essay on Jan Dhan Yojana in English

Jan Dhan Yojana is a people money saving scheme launched by the Indian Prime Minister, Narendra Modi 28th of August 2014. It is so called as the Pradhan Mantri Jan-Dhan Yojana which is actually a People’s Wealth Scheme to make some opportunity for common Indian people living in the rural areas. This scheme was launched by the prime minister to enable poor people to money saving.

To make India an independent India in real mean is to make its living people independent. India is a country which is still counted as the developing country because of the backwards conditions of the people living in the rural areas. The rate of people living under the poverty line is high in India because of the improper education, inequality, social discrimination and many more social issues.

It is very necessary to increase awareness among people about the money saving habit so that they can be independent and grow some confidence to do something better in the future. Through the saved money they can help themselves in their bad days without the need of other. When each and every Indian people have their own bank account they can better understand the importance of money saving. 


Long and Short Essay on Jan Dhan Yojana in Hindi

अपने बच्चों को इस योजना के बारे में कुछ जानने दें और जन धन योजना पर इस तरह के सरल और आसानी से लिखे गए निबंध का उपयोग करके विद्यालय के बाहर या विद्यालय में निबंध लेखन प्रतियोगिताओं में भाग लें। आप नीचे दिए गए किसी भी Jan Dhan Yojana Essay का चयन कर सकते हैं

Long Essay on Jan Dhan Yojana Hindi


परिचय

देश की अधिकतम आबादी को बैंकिंग सुविधाएं प्रदान करने के उद्देश्य से, भारत सरकार ने प्रधान मंत्री जन धन योजना शुरू की है। इस योजना का उद्घाटन 28 अगस्त 2014 को प्रधान मंत्री नरेंद्र मोदी द्वारा किया गया था। इस योजना के तहत कोई भी भारतीय वयस्क नागरिक शून्य बैलेंस और बहुत कम दस्तावेजों के साथ राष्ट्रीयकृत बैंकों में खाता खोल सकता है।

प्रधानमंत्री जन धन योजना के लाभ

प्रधानमंत्री जन धन योजना खाता वास्तव में मूल बचत बैंक जमा खाते की श्रेणी में आता है। ऐसे खातों में संतुलन और दस्तावेज रखने के मामले में नियम बहुत सरल हैं, लेकिन पैसे के लेन-देन और अन्य सुविधाओं के मामले में भी कुछ प्रतिबंध हैं।

प्रधानमंत्री जन धन खाते की मुख्य विशेषताएं इस प्रकार हैं-
  1.     खाता शून्य शेष के साथ खोला जा सकता है।
  2.     कोई न्यूनतम जमा या शेष राशि अनिवार्य नहीं है।
  3.     जमा पर 4 प्रतिशत ब्याज दर।
  4.     एटीएम कार्ड की सुविधा दी गई है।
  5.     खाताधारकों के लिए रूपे डेबिट कार्ड की सुविधा भी दी गई है।
  6.     मोबाइल बैंकिंग और एसएमएस अलर्ट उपलब्ध हैं।
  7.     देश में कहीं भी पैसे भेजने और ऑर्डर करने की सुविधा।
  8.     दुर्घटना बीमा एक लाख रुपये तक का है।
  9.     30 हजार रुपये का जीवन बीमा।
  10.     सब्सिडी, पेंशन, बीमा आदि का लाभ
  11.     5000 रुपये तक की ओवरड्राफ्ट सुविधा।

पीएम जन धन खाते की सीमाएं

 4 से अधिक बार पैसे निकालने की फीस: एक महीने में सबसे अधिक 4 बार पैसे निकाल सकते हैं जिसमें एटीएम लेनदेन भी शामिल है। इससे अधिक पैसा निकालने पर बैंक प्रति निकासी 10 रुपये शुल्क लेगा। हालांकि, पैसा जमा करने के संबंध में ऐसी कोई प्रतिबंध या सीमा नहीं है।अधिकतम शेष का प्रतिबंध: एक वर्ष के दौरान ऐसे खातों में कुल जमा राशि 1 लाख रुपये से अधिक नहीं हो सकती है और शेष राशि को किसी भी समय 50 हजार रुपये से अधिक नहीं रखा जा सकता है। अधिकतम लेनदेन प्रतिपूर्ति: एक महीने में कुल निकासी रुपये से अधिक नहीं हो सकती। 10 हजार। शून्य खाते पर कोई चेक ड्राफ्ट सुविधा नहीं: जन-धन खाते को बनाए रखने के लिए मूल रूप से कोई न्यूनतम शेष राशि की आवश्यकता नहीं है, लेकिन यदि आप चेक या ड्राफ्ट की सुविधा प्राप्त करना चाहते हैं, तो आवश्यक बैंक बैलेंस भी रखना आवश्यक है।


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