1. Salient Features JAM TRINITY Accredited by MoPR and MoRD,
Third Presentation
Salient Features JAM TRINITY
V G R Nair
Senior Fellow
Centre for Rural Management (CRM)
National Agency
Accredited by MoPR and MoRD,
Govt. of India, New Delhi

2. JAM TRINITY
Jan Dhan Yojana
JAM
Aadhar
Mobile

3. JAM TRINITY
JAM

4. Pradhan Mantri Jan – Dhan Yojana (PMJDY)
National Mission on Financial Inclusion
One Basic Bank Account for Every Household
Launched on 28th August 2014
Zero - Balance Account in Scheduled Commercial Banks/Co-operative Banks
12.5 Crore families in 100 days

5. Administrative Structure
Central Level
Mission Head – Finance Minister
Steering Committee – Secretary (FS)
Mission Director – Joint Secretary (FI)
State Level
State Level Implementation Committee (SLIC)
District Level
District Level Implementation Committee (DLIC)
Panchayat Level ?

6. Mission Statement Six Pillars:- Universal Access to Banking Facilities
Banking Account with Overdraft Facility & Ru Pay Debit Card to all Households
Financial Literacy Programme
Credit Guarantee Fund
Micro – Insurance
Unorganized Sector Pension Schemes (Swavalambau)

7. Account Opening Any Branch of Scheduled Commercial Bank
Business Correspondent Outlet (Bank Mitr)
Basic Savings Bank Deposit Account (BSBDA)
Any Individual Above 10 years Age
Financial Inclusion Account Opening Cum Overdraft Application for Individuals

8. Documents Required Aadhar Card/ Aadhar Number If no Aadhar – OVDs: -
Voter ID Card
Driving License
PAN Card
Pass port
MGNREGA Job Card

9. If no OVD : - Identity Card
Letter of Gazetted Officer with Attested Photograph
Small Account : -
Self-attested Photograph and Signature/Thumb impression

10. Benefits Offered Interest on Deposits
Accident Insurance Cover – Rs.1.00 lakh
No Minimum Balance
Life Insurance Cover – Rs. 30,000/-
Easy Transfer of Money
Direct Benefit Transfer
Overdraft Facility - Rs. 5000/-
Access to Pension, Insurance Products
Ru Pay Debit Card

11. Role of Madhur Panchayat
Panchayat Office can be made the Nodal Point (SSA)
Panchayat Office can be an Out Let Bank Mitr/BC
Panchayat may assist in the Implementation of JAN
Organizing Camps
Identification of Households
Support for Opening Accounts

12. Situation in Madhur Panchayat
Households are Left out/ Not Covered ?
Ward Wise Status ?
Make Full Coverage in Madhur Panchayat - How?
Work Out Strategy with Time Limit ?
Make Official Declaration of Universal Coverage in Madhur Panchayat ?

13. AADHAR Unique Identification Card (UID Card) 12 Digit Unique Number
By Unique Identification Authority of India (UIDAI)
To All Indian Residents
Centralized Data Base
Linked to Demographic and Bio-Metric Information

14. How to Enrol ? Free of Cost Akshaya Kendra (Rural Areas)
Keltron (Urban Areas)
School (Schools)
Enrollment Form
Date of Enrollment
Biometric Scanning
Contd..

15. How to Enrol ? Finger Prints Iris Photographing
Enrollment Number/Receipt
Aadhar Number (Aadhar Letter/E-Aadhar)

16. Documents Required Enrollment Form Photo Identity Card
Proof of Address

17. Benefits Easily Verifiable &Accessible
Eliminate Duplicate and Fake Identities
No Classification
Life-Long Validity
Universal Identity Infrastructure
Access to Services
Aadhar Enabled Payment System (AEPS)
Aadhar Payment Bridge System (APBS)

18. Mobile Banking Mobile and Aadhar Linked Bank Accounts
Unstructured Supplementary Service Data (USSD) Launched on 28th August 2014
Basic Banking Facilities on GSM based Mobile Phone
Transactions possible on Basic Mobile Phone Handsets
140 Banks
11 Telecom Service Providers

19. How to Operate Mobile Phone Number Registration
Mobile Personal Identification Number (MPIN)
Dial *99#
USSD Menu Selection
Transaction
Charges (Not more than Rs. 1.50)

20. Benefits Single Point for Receipt of All DBTS Reduction of Leakages
Financial Literacy Sessions
Overdraft Facility
Ru Pay Debit Cards Security
Notification of APBS And other Transactions
Financial Transaction Independent of Place and Time

21. JAM Trinity Direct Benefit Transfer (DBT) Subsidies Pensions
Scholarships

22. How to Link
Mobile Number in Account Opening Form entered in CBS System
Seeding through ATM/SMS/Request for Existing Accounts
Linkage with Aadhar Number
National Unified USSD Platform(NUUP)
Ru Pay Debit Cards
Aadhar Enabled Payment System (AEPS)
Aadhar Payment Bridge System (APBS)

23. Advantages Formal Financial System Leakage- Proof Money Transfer
Well – Targeted Welfare Scheme
Cash less Society
Efficient Transactions
Time- Saving Mechanisms
Secure Financial Services

24. Situation in Madhur Panchayat ?
How many Households are Left out/ Not Covered?
Ward Wise Status?
How to Make Universal Coverage in Madhur Panchayat?
Work Out a Strategy with Time Limit?
Make an Official Declaration of Universal Coverage in Madhur Panchayat?

25. Jam Trinity Madhur Action Points
Objectives.
Ensure all Persons in Madhur get AADHAR
Bring all Households in Madhur under Jan Dhan Yojana.
Provide Mobile Phones to all Households without Mobile
Provide ‘JAM’ Trinity Linkage all Households in Madhur.

26. Situation Analysis One Day Survey- Ward wise Simple Format
Survey Team –Training
Consolidation.
Preparation of Action Plan

27. Model Format Ward No. House No. and Name
Name of the Head of the Family.
No of members in the Family.
Status of JAM in the Family.
Contd….

28. Whether available (YES/NO) If yes, Name of Bank and a/c Number
Model Format
Sl.No.
Name
Aadhar
Jan Dhan
Mobile Phone.
Whether available (YES/NO)
If yes, Number
Have Bank a/c (YES/NO)
If yes, Name of Bank and a/c Number
Have mobile
(YES/NO)
If YES, Number

29. Follow Up Action Panchayat Committee –Resolution. Special Gram Sabhas.
Counters for JAM at Gram Sabha Venue.
Documentation.
Linkage.
Review.

30. Thank You