Pradhan Mantri Jan Dhan Yojana District : Nagaon State : Assam

Basic information  District : Nagaon  Area: 3993 sq. km.  Population: 28,26,006 Male : 14,40,307 Female : 13,85,699 Urban: 3,68,100 Rural : 24,57,906  Number of Bank Accounts before PMJDY

Challenges to Financial Inclusion  General  Incorrect information/ Rumours regarding the scheme  Tendency to keep and want ready cash in hand amongst the people, especially tea tribes  Reduction in zero balance account  Lack of awareness and motivation among the women, especially in the minority pockets.  Demographic Most populous district in Assam Minority Dominated Tea Garden Tribes Diverse ethnic groups

Steps taken for Financial Inclusion  Awareness drives and camps : 133  Methods used:  Financial Literacy Campaigns (FLC)  Door-to-door campaign by Bank Mitras and other Bank staff  Leaflets  Banners and Hoardings  Short videos

Steps taken for Financial Inclusion  Local Resources used:  Self-Help Groups  Farmer’s Clubs  PRIs  Other local groups  Coverage of vulnerable areas  FLCs conducted at 9 identified locations  Increase in number of Bank Mitras from 270 to 360

Steps taken (continued)…  Awareness imparted to all the departments about PMJDY in District Development Committee (DDC) meeting.  All Departmental Heads were instructed to involve themselves in properly implementing PMJDY  Instructions to all the banks to implement PMJDY in mission mode

Greater Awareness & Mega A/C opening mela organised by United Bank of India, Lead Bank of the district with active involvement of District Administration. Public representative MP, Deputy Commissioner, Nagaon, CRM, UBI and other local head of different Banks in the dais.

Section of public receiving Passbook who have opened Bank Accounts under PMJDY in the mega A/C opening mela.

District Level Awareness Programme organised by NABARD in Bhimarali (Hojai) Attended by DM,NABARD, LDM, DAO, SDO(Vet), Sr.Manager, AGVB where 33 Rupay KCC were sanctioned for Rs.33 lakhs and also sanctioned dairy loan under DEDS to 30 entrepreneurs through JLG mode handed over to beneficiaries on the spot.

Achievements  No. of accounts opened under the scheme:  Pradhan Mantri Suraksha Bima Yojana (PMSBY) Number of beneficiaries :  Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Number of beneficiaries :4094

Achievements (Continued)…  No. of Financial Literacy Centres opened in the district: 01  No. of Financial Awareness Programme conducted: 133  No. of Rupay KCC Awareness Programme conducted: 5

Achievements (Continued)… RuPAY  Total number of cards issued :  Overdraft issued Total amount : Cr

Achievements (Continued)… Bank Mitras  Average daily transaction through BMs : INR 20 lakhs  Shadow areas : Nil  Training on device use and coverage : 100%

Women-centric Financial Inclusion drives

Achievements (Continued)…  Reduction in Zero balance accounts : 2.02 %  Reduction of zero balance accounts of women: 2.18%

Innovations  Use of local resource groups for community mobilization during FLCs  SHGs  Mother’s groups  Farmer’s clubs  PRIs and local groups  Special Focus on Vulnerable groups  Minority pockets  Women  Tea Garden workers

Innovations (continued)…

Extraordinary performance Percentage increase = 153 Total number of bank accounts

Extraordinary performance Average Daily Transaction through Bank Mitras (in lakh Rupees) Percentage increase = 33.33

Suggestions for improvements  Massive awareness drives  Compulsory linking of Government programme benefits with PMJDY account  Stringent measures to be taken for Direct Benefit Transfer (DBT) by imposing penalty on the implementing unit  Incentives to be given to Bank Mitras for reduction of zero balance accounts