STUDY OF PMJDY ACCOUNT HOLDERS
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1 STUDY OF PMJDY ACCOUNT HOLDERS
2 Contents Objective of the Study Methodology adopted Analysis and key findings from the Study Summary of Findings Disclaimer 2
3 Contents Objective of the Study Methodology adopted Analysis and key findings from the Study Summary of Findings Disclaimer 3
4 Objective of the Study The study initiated by CAFRAL was aimed at getting feedback from the PMJDY beneficiaries who are the first time entrants into the banking system 4
5 Contents Objective of the Study Methodology adopted Analysis and key findings from the Study Summary of Findings Disclaimer 5
6 Identified locations MADHYA PRADESH INDORE DEWAS DHAR 3 districts with different levels of banking penetration Indore: >60% Dewas: 40%-50% Dhar: <40%* * As per Census
7 Identified areas: More focus on public gatherings rather than individual households in order to target all segments of population JAN SUNVAYEE MANDI SMALL INDUSTRIES AANGANWADI RURAL HOUSEHOLDS PANCHAYAT URBAN SLUMS 7
8 Key Study facts Number of people met Respondents having PMJDY Accounts Male : Female 80: Day Study 99 Indore 101 Dewas Rural : Urban 67: Dhar 8
9 Contents Objective of the Study Methodology adopted Analysis and key findings from the Study Summary of Findings Disclaimer 9
10 Profile of Respondents - Profession Shopkeeper 10% Houswife 5% Driver 3% Daily Wage Labourer 39% Approximately 70% of the respondents were dependent on daily income (small farmers and daily wage labourers) Farmer 33% Elementary Occupation 10% *Elementary Occupation mainly consists of Tailor, Cycle Repair Shop, Small Flour Mill, etc. 10
11 Profile of Respondents Age Group >60 41% 54% 5% Majority of respondents were in the age-group of years 11
12 Account opening period Sep 14 Oct 14 Nov 14 Dec 14 Jan 15 Feb 15 Mar 15 Apr 15 May 15 June 15 July 15 Aug 15 23% >6 Months 74% 1-6 Months 3% Last 1 Month Majority of the accounts were opened in the past 1-6 months 12
13 Banks with which respondents have been associated Don t Know 2% Central Bank 1% Union Bank 2% Others 8% State Bank of India 30% The respondents had opened their accounts from a mix of various banks IDBI 14% 313 Accounts Bank of India 15% Narmada Jhabua Grameen Bank 28% 13
14 Reasons for opening PMJDY account KEY REASONS 1 52% To deposit Regular Savings % 10% 6% To avail insurance scheme Financial Support from Government Direct Benefit Transfers and Subsidies OTHERS 3.9% 2.0% 1.4% 0.7% 0.3% 0.7% Everybody in village was opening Facility available at doorstep To remit money to family Approached by Banks Pressure from Administrative Authorities Others (to access bank facilities, etc.) 14
15 RuPay Card and Bank Passbook availability Passbook Slip 5% No document 21% RuPay Card 3% RuPay Card + Passbook 45% 21% of the respondents have not received any documents from their bank after opening their account Bank Passbook 26% 15
16 Money in house vis-à-vis Money in Bank 100% of the respondents prefer bank rather than keeping the money at home 97% of the respondents felt that their money is safe in Bank 16
17 Utilization of account 64% of the respondents have transacted at least once 76.4% 22.4% 1.3% Through Bank Branch Through Bank Mitra Through ATM 49.1% 15.2% 8.9% 8.0% 36% of the respondents have not transacted at all Unavailability of documents Don t have enough savings No information on branch Bank process is difficult 6.3% 5.4% 4.5% 1.8% Didn t feel the requirement Don t understand the process Busy during banking hours Opened account recently 17
18 Utilization of RuPay card 99% WITHDRAWAL 1% OTHERS Majority of the respondents used the RuPay card for withdrawal only and were not aware about its other uses. 0% 0% MONEY TRANSFER SHOPPING *Others include paying bills such as electricity, water, etc. 18
19 Awareness regarding account usage 50.5% Did not know that they can retain money in their account and don t have to withdraw it immediately 95% were not aware that they can transfer money to another account directly from the bank 19
20 Mobile banking and its penetration 84% Respondents had a mobile 51% Respondents received messages from their Banks USE OF MOBILE PHONE BY RESPONDENTS Calls + Messages 34% Others 1% Calls Only 65% 56% Respondents were not aware that they can check account balance through mobile *Others also include Whatsapp, Facebook, and surfing online 20
21 Contents Objective of the Study Methodology adopted Analysis and key findings from the Study Summary of Findings Disclaimer 21
22 Summary of Findings (1/2) Lack of financial literacy campaigns The Financial Literacy programs have been very limited when compared to opening of accounts, thus leading to lack of awareness on features and low usage Financial Illiteracy Many account holders had deposited INR 100 in their account after opening, but withdrew the same in order to activate the RuPay card Lack of financial support from Banks to Business Correspondents Delay from banks in providing commissions to BCs which was agreed upon for opening accounts in rural areas, resulted in some BCs charging INR per account from the customers, in order to maintain their costs 22
23 Summary of Findings (2/2) Lack of knowledge on mobile banking While a large majority use mobile phones, they are not aware or do not understand how to use it to get details about their accounts Access to Bank Outlets Access to a bank outlet was not stated as a problem by the respondents, but the time to be spared to operate the account did come out as a hindrance to usage Zero Balance Facility Many people have opened a savings account under PMJDY as it allowed zero balance which was not the case earlier and also low cost insurance. 23
24 Contents Objective of the Study Methodology adopted Analysis and key findings from the Study Summary of Findings Disclaimer 24
25 Disclaimer THIS STUDY IS FOR OUR CLIENT CAFRAL ONLY. THE STUDY WAS CONDUCTED ON THE BENEFICIARIES WHO WERE WILLING TO PROVIDE INFORMATION ON THEIR PMJDY ACCOUNTS. THIS IS BASED ON THE INFORMATION THAT WE CONSIDER RELIABLE, BUT WE DO NOT REPRESENT IT AS ACCURATE OR COMPLETE, AND IT SHOULD NOT BE RELIED ON AS SUCH. THIS STUDY WAS NOT INTENDED AND FOCUSSED ON THE CONSUMERS OF ANY PARTICULAR BANK. FURTHER, THIS STUDY WAS FOCUSSED ON A SMALL GROUP OF ~300 BENEFICIARIES AND SHOULD NOT BE CONSTRUED AS A REFLECTION OF THE NATIONAL PERCEPTION. 25
26 Contact Details Smita Aggarwal Senior Program Director CAFRAL Bhagvath Chandra Associate Director - Business Consulting Services Intellecap bhagvath.chandra@intellecap.net
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