Define FAMILY.the family heads may be women, minors, singles, migrants, nomads. illegal houses which cannot be recorded. Currently in Pune illegal houses are demolished These people are most likely to be without bank accounts.
In small basti-s in Mumbai Pune Thane working class have system called bishi Members pay fixed sum monthly Every month lottery decides who gets collection Members rely on getting lottery to rennovate house etc.JD offers loan 5000 Bishi gives large sum as Capital

Sir by converting existing ACs of needy people under PMJDY scheme will expedite the task. Govt.should advertise importance by using publicity by Rickshaw,putting adv.boards in local language in specially poor people's localities Education/sensitisation needed do that through local bodies NGOs working for down trodden Need desire!

2. in rural areas many villagers are not aware of it. those who have come to know, stands in long ques in front of either SBI branch or Gramin bank far away. after standing for two three days, they give up. third the bank official behaves with them in such a manner as if they are doing some favour to them. In some villagesso called Bank Mitra visits, but they charge Rs.50 to Rs.100 for collecting documents from villagers for opening Jan Dhan accounts. but no one has got account opened..pl read

Sir,
First review two instances experienced by me:
1. I went to my SBI branch at Mohan co-op, new delhi, ( near Sarita Vihar). I asked to issue a rupay card for my existing account with the branch. The first reaction of the official was that how it is to be done is not known. second they don,t have a form for this purpose. Finally they said that a form for ATM card is to be filled and to be submitted to cancel earlier ATM card and reissue of Rupay card.
pl read on

most of the illiterate people do not have any proof of identity, hence opening an account becomes difficult. best suggestion is to have their finger prints and get iris scan done and use this as an identity proof.

1) Develop advertisements catering to well to do citizens having maids at their home. On an average 2 maids work in every well to do house. Ads motivating citizens to contribute to their maids lives and they must insist that salary willbe credited only there.
2) announce that all subsidies in the long term will be given out by the way of cash transfer
3) just like Swach Bharat Abhiyaan where Pm nominated 5 others, inspire every educated citizen to open 5 bank accounts in 30 days

Sir to cover all house hold before given time frame I suggest to adopt strategy as under
1 Pl do not left this task only on Banks 2 Involve Local body like Panchayat,Municipality,MC NGOs etc to help needy people filling up their AC opening form,made photo copy of requisite KYC doc,make available free photograph needed for AC opening Under PMJDY scheme 3 They should sensitise people about the scheme 4 So many needy people would have Bank account earlier convert those a a under PMJDY schm

जिस तरह से किसी भी काम के लिए वोटर आई डी को अनिवार्य बनाया जाता है,उसी तरह बिना किसी लालच के हर भारत वासी के लिए बैंक में खाता अनिवार्य होना चाहिए! इसके लिए हर शहर में पार्षद और नगर निगम या फिर गाव में पंचायत/प्रधान को इसके लिए तय समय सीमा में अनिवार्य रूप से अपने इलाके के हर वोटर का बैंक में खाता खुलवाना सुनिशित करे! इसके लिए अलग प्राधिकरण ना बनाया जाये ! मौजूदा सांसद और विधायक की भी इसमें जिम्मेदारी तय की जाये! बिना तय समय सीमा के,बिना भय के ना तो अफसर काम करते है ना ही जनता समझती है!

Whosoever opens account will be credited with 100/ or more immediately . Other benefits can be linked with time factor. Banks should open temporary mobile branches in slums, railway stns, near religious places and other congregations.

Please make it a success sir.Here in lies the future of this great country whose people are made under privileged by the elite lot for so long inspite of all efforts by our freedom fighters.They had not sacrificed their life for this kind of India being managed by designs of selfish individuals, who are masterminding all schemes& projects for our beloved innocent poor people to fail.Please feel the urgency by going back to ur early days&do it 2 ensure 1st step 4 their prosperity.YES,U CAN.