The Pradhan Mantri Jan Dhan Yojana is a national mission to
make sure every person has access the financial services in the country. These
financial benefits include remittance, saving accounts, zero balance account,
insurance, credit and pension in a reasonable approach. The government has set
a target to include 7.5 crore unbanked households in financial inclusion by 26
January, 2015.
To handle this volume and mass proportion of duplicate
accounts Government has decide to put a chip in the scheme with “Bank Mitra”. A Bank Mitra would be an agent in facilitating banking
related services, mostly in areas which lacks the banking activities in the
country. These agents would help in areas where there is no Banks and ATMs.
Services offered by Bank Mitra
- Opening of the accounts
- Verification of the documents
- Making small value collections from depositors
- Generate mini statements for the depositors
- Depositing the collected amount everyday in the bank
Banks are allowed to engage a host of agents in the banking
activities to reach the mass untapped households in the country. These
agents would be government employees, retired teachers or employees, agents
dealing in small saving schemes, ex servicemen from the defense and so on. In the past various channel to reach unbanked population
have been tapped like public service distribution system, self help groups,
post offices and common service centers but the results has not been
encouraging. So banks have high expectations from these Bank Mitras to
distribute the burden of this innovative business model which has a question
mark on its commercial existence.
Toll Free Number for any query for Jan Dhan Yojana
1800 11 0001
1800 180 1111
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