Page 19 - NIS English 16-31 Aug, 2026
P. 19
Years
Jan Dhan Yojana
Cover
Story
The Jan Dhan Yojana has
3
Cultivating a habit of saving has ensured financial inclusion
fostered financial discipline and and the empowerment of
enhanced the capacity for future countless Indians, enabling
planning. them to lead a life of dignity.
It has also helped enhance
Approximately ₹3.10 lakh crore
deposited across 58.70 crore Jan transparency.
Dhan accounts, despite there being Narendra Modi, Prime Minister
no requirement for a minimum
balance
4
Crores of workers in the
unorganised sector and their
families gained access to life
and accident insurance coverage
for the first time.
31.65+
crore Workers from the unorganised
sector have registered on the e-Shram
portal, which provides access to
benefits from multiple socio-economic
schemes on a single platform.
PMJDY account holders are rupees, 125 rupees, or 250 rupees. Moreover, one
encouraged to enrol in social security had to travel miles just to collect the pension, but
insurance schemes – such as Pradhan Direct Benefit Transfer (DBT) has now simplified this
Mantri Jeevan Jyoti Bima Yojana, process. For the first time, crores of workers in the
unorganized sector and their families have gained
Pradhan Mantri Suraksha Bima Yojana, access to life and accident insurance coverage. Not
and Atal Pension Yojana – and are only that, whether it is the Mudra Yojana or other
offered options for making schemes, this bank account has opened up new
contributions. avenues for self-employment.
A fourth impact has been the real empowerment
of the country’s female population—’Nari Shakti’—
granting them socio-economic dignity for the first
time. Today, women account for over 56 percent
of the holders of Jan Dhan accounts. Having bank
accounts in their own names has provided women
Aug 16-31, 2026 || NEW INDIA SAMACHAR 17
