Jan-Dhan Yojana

28/08/2014, ThursdayToday our Prime Minister launched a scheme termed as “Jan-Dhan”. As the name suggest it means everyone has the right to have money in his pocket, this scheme is basically focussed on the welfare of poor and needy people who can’t afford easy life, who don’t have good financial conditions, who struggles  with the daily life for small-small needs, who wants a good and respectable life but they don’t get. This scheme will be beneficial for them and this will help them to do a fresh start. A poor person can imagine comfort, good food, good health care etc. only in his dreams, but after implementation of this scheme in grass root level every poor person will observe a change in his life. This initiative by Mr. Narendra Modi will do a great change in the life of millions of millions poor people.A tea vendor, a vegetable vendor, a newspaper seller, a waiter, a sweeper, a ice cream seller and many other persons, who does small scale work or labour deserves  a respectable and comfortable life but they don’t have it. They try too much in their life to change their financial conditions, but they are not successful in doing this. I hope this scheme will make them self dependent and I hope poor class of our country will stand up for their betterment.In this scheme, Govt. Have a target to provide free bank account for two persons of every poor family. They says they are going to enroll 7.5 crores poor family, it means near about 15 crores will get direct benefit from this. All the enrolled people will get benefit of Govt. Subsidies directly into their accounts. Whenever any Govt. starts a scheme or an initiative to change lives of poor, the benefit is never reached towards those poor due to a big corrupt chain of politicians, bureaucrats etc. But after this scheme I believe the poor will get their right, and in term of emergency they will get loan from the Govt directly means no roll of money lenders and intermediates. Govt to poor JNow I want to discuss the benefits of this scheme. The Govt of India will enroll people within few minutes without any form problems, attestations etc. using Aadhar card, Driving license, Ration cards etc. if they don’t have these, they required only one letter from Sarpanch (head of a village) or pradhan (head of all wards). After opening account they will get a Ru-Pay atm card and a health insurance of one lac rupees through it. A rich person or a person from middle class background can afford a health insurance, if they face a physical problem, they can consult any hospital - any doctor but a poor can’t get this attention throughout his life. Now he will feel secure in this department, he will get proper medical care and with full expenses, doctors will take care of them.This scheme will open new banks for a population of 2000 in a village. The villagers won’t need to run to city for their benefits, in short they won’t need to suffer anymore. Banks will run towards them. The woman of the family will get a credit card, which they can use when they have urgency. Today many records were created and many were broken 1.5 crore account were opened and never in the history of insurance sector 1.5 crore person were given accidental insurance in a day.This step will include all the poor people in the mainstream of nation’s development. I wish this scheme will help to eradicate poverty of poor people and help their life to move ahead towards betterment. They will check their bank account by just dialling *99# and they can check it from top to bottom, really it’s a great step to eradicate poverty, and I hope the depth between poor and rich will be filled by it.