6 Pillars. Creation of Credit Guarantee Fund. Micro - Insurance. Universal access to banking facilities. Financial Literacy Programme
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1 Vision To ensure universal access to banking & other financial services at reasonable distance and affordable cost. Make financial inclusion an enabler for inclusive growth. Universal access to banking facilities Providing Basic Banking Accounts with overdraft facility and RuPay Debit card. Unorganized sector Pension scheme 6 Pillars Financial Literacy Programme Micro - Insurance Creation of Credit Guarantee Fund
2 Goals PHASE I (15 th Aug th Aug 2015) Universal access to banking facilities with at least one bank account in every household. Basic Banking services for saving and remittance and RuPay Card with inbuilt accident insurance. Financial Literacy Programme PHASE II (15 th Aug, th Aug, 2018) Coverage of remaining adults in the households and students. All 6 lakh villages to be mapped into SSAs comprising Households with an average 3-4 villages. Each SSA to be serviced either by Bank Branch or Bank Mitr. Provision of Micro Insurance Overdraft facility upto Rs.5000/- after six months of satisfactory performance of saving / credit history.
3 Achievements Phase I Household coverage achieved by target date by opening Crore PMJDY accounts. PMJDY Accounts opened (in Cr.) Rupay cards issued (in Cr.) Coverage confirmed through surveys, certification by Gram Panchayats and issuance of Public Challenge Another Public Challenge proposed to be issued through SLBCs shortly for left out households, if any Crore Rupay cards issued. Target Achievement Mapping of 1,59,786 SSAs done in Phase I itself for coverage through 32,535 existing branches and 1,27,251 Bank Mitr. Financial literacy undertaken through 718 Financial Literacy & Credit counselling centres (FLCCs). Strategy formulated to link FLCCs to Skilling Centres. Banking Network Branches ATMs Bank Mitr Rural Semi Urban Urban Metro
4 Achievements under Phase II so far PHASE II Accounts crore Accounts RuPay Card Issued Zero Balance 5.93 crore Deposit Rs crore Rupay Card crore OD Availed lac Zero Balance Accounts 8.52 (57.9) 5.87 (27.39) 5.93 (23.44) Deposits 35, , OD Amount crore 15,
5 Achievements Bank Mitr Activity Bank Mitr transactions per week (in lac) Bank Mitr Rupay card Transactions per week(in lac) Dec'15 Jun'16 Oct'16 Bank Mitr Aadhaar On-US Transactions per week (in lac) Dec'15 Jun'16 Oct'16 Bank Mitr aadhaar Off-US Transactions per week (in lac) Dec'15 Jun'16 Oct'16 Dec'15 Jun'16 Oct'16
6 Microsave Wave III Bank Mitr Assessment Average monthly income of BM % of BMs who received financial literacy training 3,821 Wave-II Wave-III 4,692 4,601 3,460 4,330 4,865 27% Average monthly income (Overall) Average monthly income (BCNM) Average monthly income (Bank) Average transaction 73% 677 Wave-II 785 Wave-III Received training Never received training Average Deposit Number Average deposit value (INR) Average withdrawal number Average withdrawal value (INR)
7 Financial Literacy As on 31 st Oct 2016 a total of skilling centres have been successfully mapped with branches and Financial Literacy Centres where sessions have been conducted in 9197 skilling centres imparting financial literacy to 7 lac students. Type of Skilling Centre (SC) / schools Skilling Centre (ITI, VTPs, OCs) No. of SC mapped No. of session conducted No. of participant s 17, lac Schools lac Total lac FL Material converted in 10 regional languages
8 Demographic Analysis of PMJDY account opened (25.45 Crore as on ) Rural / Urban % distribution Male/Female % distribution Rural (no of A/c) Urban (no of a/c) Male(no of A/c) Female (No of A/c) PSB/Pvt/RRB - % share PSB (no of a/c) RRB (no of A/c) PVT (no of A/c)
9 Micro Insurance PMJJBY Enrollments PMSBY Enrollm MAR 2016 JUN 2016 OCT 2016 Claims MAR 2016 JUN 2016 OCT 2016 Reported Paid Reported Paid MAR 2016 JUN 2016 OCT 2016 MAR 2016 JUN 2016 OCT 2016
10 Way Forward Strengthening of Bank Mitr Network in all SSAs for regular and dependable services. Ensure full interoperability (On us and Off us) at all Bank Mitr locations on Biometric as well as RuPay card devices for improving viability and ease of banking. Aadhaar Seeding of all PMJDY accounts by Challenges Network issues in Dark Areas (with no connectivity) & Grey Areas (with intermittent connectivity) Unviability of operations population density areas. in low Frequent attrition among Bank Mitr. Challenges in legacy accounts for Aadhaar seeding restricting AEPS interoperability. Inter-se restrictions imposed banks on Off-us transactions. by Weak resolution mechanism failed AEPS transactions. in
11 Strategy: Strengthening Bank Mitr Network Network issues being resolved through installation of VSATs by banks. PDS shops proposed as additional channel for Bank Mitr services for ensuring uninterrupted basic banking services. Weekly monitoring of Bank Mitr activity being done with banks. A digital dashboard under development to monitor bank mitr activity. RBI/IBA in process of creating Bank Mitr registry. AEPS Interoperability Interactions with CEOs of major banks held in areas of concern NPCI and IBA advised to improve resolution mechanism & remove inter-se restrictions.
12 Strategy: AEPS Interoperability Interactions with CEOs of major banks held in areas of concern NPCI and IBA advised to improve resolution mechanism & remove inter-se restrictions. SOPs for interoperable Aadhaar seeding being standardised.
13 Strategy: Aadhaar seeding Focussing on states having drag i.e. percentage share in Aadhaar seeding being less than % share in PMJDY accounts: UP, Bihar, West Bengal, Odisha & Tamilnadu. Activation of SLBCs for seeding of MNREGA accounts through daily monitoring. Improving interoperability for seeding.
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