For poor people this is an excellent scheme. All subsidies to poor should be routed through bank accounts .Adequate publicity be given .It may be don e in a phased manner.They should be encouraged to get loans upto Rs 5000 .On nonpayment loan be adjusted against subsidy.Some times poor people take loan at48%rate of interest.

સર. જન ધન યોજના મા દરેક ઉદ્યોગ ના કર્મયોગી નુ પેમેંટ સીધુ તેના બેંક ખાતા મા જમા થાય (ખાસ તો કોંટ્રાક્ટ લેબર) આ માટે દરેક ઉદ્યોગો સહકાર આપી કર્મયોગી ને બેંક મા જતો કરે, જેનાથી કર્મયોગી કોંટ્રાક્ટર ના શોષણ થી પણ મુક્ત થશે.એવા ઘણા કર્મયોગી છે,કે જેણે બેંક જ નથી જોય , બેંક એકાઉન્ટ થી બચત માટે પણ પ્રેરાશે.

All govt scheme should be linked with aadhar..also epfo should be linked with aadhar. ..y govt is showing it's inability in declaring aadhar as a primary input for any scheme

To have these account remain operational/ functional, Govt. must made it mandatory that no payment in form of Wages,Salary etc. are paid in cash anymore from next financial year and let these payments are made preferably through Jan dhan yojna bank account.

deisel/ petrol ka rate har mahine ghatane ki jagah hone wali bachat ko jan-dhan yojana ke tahat khulne wale account me jama karwane se log khud hi account khulwane ke liye raji honge. petrol/ diesel ka rate kam karne ke bad jo fayda aam public ko milna chahiye nahi milta kyu ki freight/ bus fair/petrolium product ka dam kam nahi hua hai 8 mahine pahle jo rate tha aaj bhi same rate hai

Some greedy people are already having account to get advance & insurance benefit are rushing to the banks to open A/c due to which unnecessary delay & trouble created for those who really need this account.Pl introduce a system to link existing account to this scheme through employer / banks so that the benefits will reach to only those who dont have the account.

The intentions and initiative taken by PM is excellent but the implementation has not been the right. No one studied the resources required in terms of infrastructure, manpower and time. With the result fake number are created (As per the news). Sufficient time should have taken to banks to study finalise the plans and than gradually implement the scheme.

Second question is bank account holder will not have the right to vote? why he should require separate voter card?

This yojana is somewhat on right path but incomplete. The saving account opening is not sufficient. Each low income person should provide short amount overdraft facilities like 10000 to 15,000 limit for specific reason of business need instant. Plus each account should be linked with mediclaim policy facilities so small amount of poor people help them to get medical insurance. If person can't take 1 lakh insurance but if such facilities present then people get medical insurance of few thousands.

A number of branches of Banks say application form is not available at present, if pressurised, form is filled up, they will not give any receipt to the applicant and say that account number under Pradhan Mantri Jan Dhan Yojna will be given later on. Banks do not cooperate with those who are strange with Banks and never went to any Bank. Some one has to accompany with them. Necessary instructions to all Banks may be issued to cooperate with the persons and fill up form of illiterates people.

pl look into nsel scam .rs 5600 cr & 13000 investors are suffering from past 16 months waiting for justice from our pm & govt