Page 42 - NIS English 16-30 September, 2025

SCHEME | PM Jan Dhan Anniversary

PM JAN DHAN
Empowering

The Deprived

Against Poverty

“When Jan Dhan accounts were opened, it was
not just a bank account. It gave the poor self-
respect that the doors of the bank are open
for them, too. They can also go to the bank
and talk with their hand on the table; we have
instilled this confidence.”

These words of Prime Minister Narendra
Modi, articulated from the ramparts of
the Red Fort on the 79th Independence
Day, are enough to understand the self-
respect that people have gained along with
their bank account. Through this Jan Dhan
scheme started in the year 2014, not only
have more than 56 crore bank accounts
been opened so far, but it has opened the
doors of new opportunities of development
and economic empowerment for crores of
citizens of India...

ue to decades of neglect and wrong policies, started going to the poor from city to city, village to
the poor were gripped by an inferiority village. When the zero-balance Jan Dhan account of
Dcomplex. The banks were nationalized in the the poor was opened in the bank, their life changed.
name of the poor, but the doors of the banks were Prime Minister Modi made the poor and deprived
closed for 40 percent of the country’s population. warriors in the fight against poverty by handing over
Seeking help in every difficulty, dependent on others the passbook of Jan Dhan accounts.
for every need, the society used to turn its back on The poor got a Rupay card with a Jan Dhan
the poor, considering them the responsibility of the account. Atal Pension Yojana provides security of a
government. Services like bank accounts, credit cards, pension in old age. Insurance is no longer the privi-
insurance, and pensions were treated as only for the lege of the rich. The Pradhan Mantri Suraksha Bima
rich, not for the poor. But, PM Modi ignited a hope in Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana
the deep darkness of despair with the Pradhan Mantri provided the poor families with a sure assurance of
Jan Dhan Yojana. What was a dream for poor started insurance protection and help in difficult times.
coming true. Bank Mitra and Bank Sakhi themselves Jan Dhan Yojana is an example of true socialism

40 NEW INDIA SAMACHAR || September 16-30, 2025