PMJDY toh kisai mipi theihtuak khenkhat te
Written by Mumung Tonsing

Amasa pen in  mipi tampi ten PMJDY toh kisai in Bank Account I hon zoh chiang a I Account a sum hong lut mawk ding a gintakna  I neih ziak in PMJDY toh kisai theih ziak in hilou in, theih dandan mipi a dia phattuamna a om lametna toh PMJDY toh kisai tamlou ka hon luikhia hi.

PMJDY kichi Pradhan Mantri Jan-Dhan Yojana chihna  ahi. Hiai mission ahihleh India Prime Minister(PM) Narendra Modi in 28th August , 2014 in hongkhia hi. Hiai mission in atup pen ahih leh “Financial Inclusion” ahi. Financial Inclusion I chih chiang in a lamdang lua hilou in, ei theih siam ding in , singtang dawn mun tuamtuam , Bank omlouh na a Bank Account neilou te’n leeng Bank Account a neih ua, Bank toh kisai amau toh kituak a phattuamna om thei te a phattuam pih theih na ding uh ngimna ahi. Hiai mission a ki patkhiak ni in India pumpi ah milip 1.5 Crore val in Bank Account hong hi. PM in a gen na ah, kumkhat sung ( Kumnawn Republic day tan) a Bank Account nei nailou Innkuan 7.5 Crore tan beek in Bank Account a neih ding uh chi hi.  A thupi “Financial Inclusion” ahih toh kiton in, nidang a Bank Account I honna ding a sum kipia(minimum balance) pen piak ngailou a (Zero Balance) Bank Account hon theih chih na ahi. Zero Balance a hon teitei ding chihna ahi tuankei.

PMJDY phattuamna leh phattuamna ding te:
1.    Sum seng lou a Bank Account hon theih.
2.    RuPay Debit Card
3.    Rs. 1 Lakh Accident Insurance
4.    26th  January, 2015 tan a Account hong zou man te  a ding in Rs. 30,000 tan Life insurance piak hi ding hi.
5.    Account I hon zoh nung chiang in I Account a sum I zat dan Bank te’n kha 6 sung hoihtak in en ding ua, I Account a lungtun huai leh Overdraft(OD) facility Rs. 5,000 tan hon pe ding uhi. I theih buai louh ding ahih leh Account hong teng Rs. 5000 hon OD pe ding chihna hilou in, Sumzat dan lungtun huaitak nei te Rs. 5,000 tan OD piak theih chih na ahi. Rs 5,000 hon piak teitei ding uh chih hilou, Rs 5,000 tan hon pe thei ding uh chihna ahi. Sumzatdan hoihtak nei te leeng piak teitei ding chih hi tuanlou.

6.    Guidelines ah kigelh chet kei mah leh, Account I hon zoh chiang in Job Card Sum lak na ding, Old Age Pensin lak na ding, Sepna nei thak te a ding in Salary Account  ding, Pension account ding  leh a tuamtuam tampi in zat theih maithei ding hi.

7.    Bank Account neisa, PMJDY ziak a Account hongthak a om leh, a Account lui pen khakhat sung a, a Account a Close ding chih ahi.

(Overdraft I chih chiang in Etsakna ding  in mi khat in khateng in Rs.  2,00,000 (two lakhs) a Account ah zang gige henla, a sumzat dan kum 1 a ching chiang in , Bank ten a sum zatdan(Cash flow) a kipan in hiai mipa/minu muanhuai ei, OD Rs 3,000 piak theih … chi thei uhi. Hiai sum Rs. 3,000 pen zat teitei ding chihna hi tuanlou in Bank ten a hon muan ngam ziak ua, sum na neih louh laitak a poimoh na a om zenzen leh na sum neih zah val hon zangsak uh chihna ahi. Hiai sum Rs. 3000 pen na ditkik ngai veve hi . PMJDY toh kisai in leeng Bank ten na Bank Account kha 6 sung hon etsak ding ua, Rs. 1,000 khwang na koih dekdak leh OD facility hon pe mawk lou ding uh hi Na transaction a lungtun huai leh hon pe thei pan ding uhi.)

India gam a mipi omte mainstream a aom theih ua,  Bank toh kisai phattuam na omte mipin a phattuam pih theih na ding un India a Bank omte 1969 in ki Nationalised hi. Himahleh India milip  68% khawng lel phattuam pih hi. Midang 32% or India milip tampi ten Bank toh kisai a “amau toh kituak phattuam na om te” a phattuam pih theih na ding  a PMJDY patkhiak ahi.

PMJDY tup leh ngim te:
1.    India khua leh tui hihna nei teng in 14th August, 2015 tan a, amau omna 5KM or A gamlat dan kilawm huntawk tan a  Banking Facilities a access theih ding uh.
2.    Bank Account zero balance a hon theih ding, Ru Pay Card leh OD facilities piak ding( Piak teitei ding chihna omlou ahi)
3.    Financial Literacy Programme neih ding (Tulai  in Lamka leh a sehvel ah hiai programme ki nak bawl mahmah)
4.    Creation of Credit Guarantee Fund.
5.    Micro Insurance
6.    Unorganized sector pension scheme.
Hiai teng lak ah amasa 3 te Sorkar in kumkhatna ah tup leh ngiim in neibiik hi.

PMJDY toh kisai a achiang nailou khenkhat te(Author’s view)
1.    Accident Insurance & Life Insurance Premium kua piak ding? Account holder,  Bank or Government? Claim hong pai leh kua piak ding? Bank or Government?
2.    Insurance I chih chiang in a validity tuamtuam ahi a, a valid nawnlouh chiang a, renew na ding kuam pe ding?
3.    Overdraft kuan pe ding? Government or Bank?

(Note: Atung a thu kon luikhiak te mipi a dia phattuam a om ding lametna ahi a, hihkhelh omlou thei pen ding a gelh leh sut ahi. Hihkhelh or gelh khelh om leh author in moh a paw kei ding. A chiangzo leh original a kigelh thei ut ten hiai anuai a source kipia te ah et theih ding hi. Kuaman reference in leeng a zang thei kei ding)

Source:
http://pmindia.gov.in/en/news_updates/pm-launches-pradhan-mantri-jan-dhan-yojana/
http://financialservices.gov.in/Banking/PMJDY%20BROCHURE%20Eng.pdf