🔆 SCHEME A DAY | PM Jan Dhan Yojana (PMJDY)
📌 Why in News?
PMJDY has completed 12 years, becoming the backbone of financial inclusion in India.
📊 Key Highlights (2026)
• 59.09 crore bank accounts opened
• 32.92 crore women beneficiaries
• 45.95 crore accounts in rural & semi-urban areas
• 41.29 crore RuPay cards issued
• Deposits crossed ₹3.16 lakh crore
💡 About PMJDY
Launched in 2014 to provide banking, credit, insurance, pensions, digital payments and DBT benefits to all citizens.
⚙️ Key Features
✅ Zero balance account
✅ RuPay debit card
✅ Accident insurance up to ₹2 lakh (eligible accounts)
✅ Overdraft facility up to ₹10,000
🎯 UPSC Takeaway:
PMJDY = Financial Inclusion + DBT + Digital Payments + Financial Empowerment.
#SchemeADay #PMJDY #JanDhanYojana #FinancialInclusion #UPSC #PPSC #GovernmentSchemes #PIBDecoded
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