Published By : Admin |
August 28, 2024 | 12:12 IST
Share
Today marks a decade since the Pradhan Mantri Jan Dhan Yojana was launched. For me, this initiative was more than just a policy - it was an endeavour to build an India where each and every citizen, irrespective of one’s economic background, has access to the formal banking apparatus.
Many of you, especially the youth, would be thinking- why does this matter so much? After all, in this age, having a bank account would be very basic and even taken for granted. However, when we assumed office in 2014, the situation was very different. It was almost 65 years since Independence, but access to banking was a distant dream for almost half of our households. Theirs was a world where savings were kept at home, vulnerable to loss and theft. Access to credit was often at the mercy of predatory lenders. The absence of financial security held back so many dreams.
This problem becomes even more ironical considering the fact that four and a half decades ago, banks were nationalised by the then (Congress) Government and that too in the name of the poor! Yet, the poor never got access to banking.
When the Jan Dhan Yojana was rolled out, I remember the scepticism that surrounded it too. Some people asked- could it really be possible to bring such a large number of people into the banking system? Will this effort lead to any concrete changes? Yes. The scale of the challenge was enormous, but so was the determination of the people of India to ensure it becomes a reality.
The success of the Jan Dhan Yojana has two parts to it. One is in the numbers:
Today, over 53 crore people who never imagined they would enter a bank have bank accounts.
These accounts have a deposit balance of over Rs. 2.3 lakh crore.
Over 65% of the accounts are either in rural or semi-urban areas, thus taking the movement of financial inclusion outside the metros.
Direct transfers worth almost Rs. 39 lakh crore have taken place.
|
But, the second part goes beyond the impressive numbers.
Jan Dhan Yojana has proven to be game-changing as far as women's empowerment is concerned. Almost 30 crore women have been brought into the banking system.
Likewise, the benefits of the scheme and the other benefits that come thanks to a bank account have positively impacted crores of SC, ST and OBC families. They have also benefitted those families who belong to the middle and Neo-middle classes. Had it not been for the Jan Dhan Yojana, the MUDRA Yojana, or the social security schemes of the Government, namely the Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana and the Atal Pension Yojana would never have been as impactful.
Jan Dhan also became a vital pillar of the JAM Trinity- Jan Dhan, Aadhaar and Mobile. The landmark contribution of this trinity was to eliminate the scourge of middlemen and touts who, for decades, thrived in public loot. It is this trinity that ensured a stunning digital payments revolution in India, especially in the middle and later years of the last decade. The very same elements who doubted the relevance of a scheme like Jan Dhan were yet again mocking the need for digital payments in a nation like ours. But, once again, they underestimated the collective resolve of our people. India’s digital payments success story is noted world over. Over 40% of real time digital payments in the world happen in India!
A bank account has ensured hassle-free and direct transfer in almost all the government's flagship schemes, be it Ayushman Bharat, PM-Kisan for farmers, PM SVANidhi for street vendors and more. I am also reminded of the years of 2020 and 2021, when the once in a lifetime COVID-19 pandemic was at its peak. Had it not been for banking inclusion, the subsidies would not have been able to reach the intended beneficiaries.
The life journeys of those who benefitted due to this scheme are very touching and inspiring. PM Jan Dhan Yojana personifies dignity, empowerment and the opportunity to participate in the economic life of the nation. The foundations laid by this scheme are strong, but we have even more work to do! We will continue to build on this success to build a Viksit Bharat.
Today is also the occasion to congratulate each and every beneficiary of this scheme and laud the efforts of the countless banking staff who made financial inclusion their mission and ensured a better life for their fellow Indians!
🌹🙏🏻🌹जय श्रीराम🙏💐🌹जय माँ विन्ध्यवासिनी👏🌹💐ॐनमः शिवाय 🙏🌹🙏जय कामतानाथ की 🙏🌹🙏🌹🌹🙏🙏🌹🌹🌹🙏🏻🌹जय श्रीराम🙏💐🌹जय माता दी 🚩🙏🙏जय श्रीकृष्णा राधे राधे 🌹🙏🏻🌹🌹🌹🙏🙏🌹🌹🌹🙏🏻🌹जय श्रीराम🙏💐🌹
Ka Mahakumbh ka la kut ha ka nongbah ba kyntang jong ka Prayagraj. La pyndep ia ka Mahayajna jong ka jingiatylli. Haba ka jingsngewthuh jong ka ri ka don, haba ka lait na ki jingiateh ha ka rukom pyrkhat kiba rim, ka ring mynsiem laitluid ha ka bor kaba la pynthymmai. La sakhi ia kane ha ka Ekta Ka Mahakumbh (Mahakumbh jong ka jingiatylli) ha Prayagraj naduh ka 13 tarik Kyllalyngkot
|
Ha ka 22 tarik Kyllalyngkot, 2024 ha ka Pran Pratishtha jong ka Ram Mandir ha Ayodhya, nga la kren shaphang ka Devbhakti bad Deshbhakti – ka jingaiti sha ka bor ba kyntang bad sha ka ri. Ha ka Mahakumbh ha Prayagraj, ki Blei bad ki riewkhuid, ki longkmie, ki khynnah, ki samla, ki riewtymmen bad ki briew na baroh ki bynta jong ka jingim ki la iawanlang. Ngi la sakhi ia ka jingkhie ka jingsngew jong ka ri. Kane kadei ka Ekta Ka Mahakumbh, ha kaba la pyniasoh ia ki jingsngew jong 140 klur ki briew jong ka ri ha kajuh ka jaka, ha kajuh ka por, na ka bynta kane ka jingialang ba kyntang.
Ha kane ka thain ba kyntang jong ka Prayagraj ha Shringverpur, ka jaka ba kyntang jong ka jingiatylli, ka shongsuk shongsain bad ka jingieid, kaba u Prabhu Shri Ram bad Nishadraj ki iakynduh. Ka jingiakynduh jong ki ka pyni ia ka jingiakynduh ka jingaiti bad ka jingsngew jan ia kiwei. Wat mynta, ka Prayagraj ka ai mynsiem ia ngi da kane kajuh ka jingngeit
|
Haduh 45 sngi, nga la sakhi da ki klur ngut ki briew na man ki kyndong kynshrot jong ka ri ki leit sha ka Sangam. Ki jingsngew ba khlain ha kane ka jingiakynduh ka la kiew bha. Man u riewngeit u wan bad kawei ka thong- ban ioh ngam ha ka Sangam. Ka jingiakynduh ba kyntang jong ka Ganga, Yamuna, bad Saraswati ka pyndap ia man u pilkrim da ka mynsiem shitrhem, ka bor bad ka jingngeit skhem.
|
Kane ka Mahakumbh ha Prayadraj kadei ka phang jong ka jingpule na ka bynta kito kiba pyntbit ha ka jingpyniaid kam, ka jingpynkhreh kam bad ki riewshemphang ha ka polisi. Ym don ha kano kano ka bynta jong ka pyrthei ka nuksa kaba kum kane.
Ka pyrthei ka peit da ka jingsngewlyngngoh kumno da ki klur ngut ki briew ki ialumlang ha Prayagraj ha ki rud jong ki wah ba iakynduhlang. Kine ki briew kim don kano kano ka jingshah khot sngewbha, kim don jingtip lypa halor lano ban leit. Hynrei da ki klur ngut ki briew ki mih ban leit sha Mahakumbh da la ka jong ka bor bad sngewthuh ia ka jingsuk mynsiem hadien ba ki la dep sum ha kane ka um kaba kyntang.
|
Ngam lah ban klet ia kito ki durkhmat ba dap da ka jingkmen ba khraw bad ka jinghun hadien ka jingngam ba kyntang. Ki longkmie, ki riew rangbah, ki para jong ngi kiba don jing duna ha ki dkhot met – baroh ki ioh ka lad ban poi sha ka Sangam.
|
ki samla jong ka ri. Ka jingdon jong ki samla ha ka Mahakumbh ka long ka khubor ba ki samla jong ka ri kin long ki dei kiba rah shakhmat ia ka deiriti bad ka dustur ba khraw jong ngi. Ki sngewthuh ia ka jingbahkhlieh jong ki ban pynneh pynsah ia ka bad ki kut jingmut ban rah ia ka shakhmat.
Ka jingdon jong ki briew kiba poi ha Prayagraj na ka bynta kane ka Mahakumbh khlem artatien ka la thaw ia ki rekod ba thymmai. Hynrei nalor kito kiba leit dalade, ki don ruh da ki klur ngut ki briew ki bym lah ban poi sha Prayagraj kiba iasoh ia kane ka kam lyngba ka ki jingsngew jong ki. Ka um ba kyntang ba rah da ki pilkrim kalong ka tyllong jong ka jingsuk mynsiem kaba kyntang ia ki million ngut. Bun kiba leitphai na ka Mahakumbh ki la ioh ka jingpdiang burom ha ki shnong jong ki, bad la pynkup burom da ka imlang sahlang
|
ka la buh nongrim ia ki spah snem ban wan.
Ka jingpoi bun ki riewngeit ha Prayagraj kadei kaba ym shym la mutdur. Ki bor pyniaid ki la antad ia ka jingdon kiba wan katkum ki jingshem ha ki por ba la leit jong ka Kumbh.
Ki nongiashim bynta ha kane ka Ekta Ka Mahakumbh ki la jan tam arshah ia baroh ki briew kiba don ha United States.
Lada ki briew kiba pule shaphang ka jingngeit ki peit bniah ia ka jingiashim bynta shitrhem da ki klur ngut ki briew jong ka ri, kin lap ba ka India, ka sngewsarong ia ka pateng jong ka, mynta ka jam shaphrang sha ka bor ba thymmai. Nga ngeit ba kane kadei ka jingsdang jong ka juk ba thymmai, ka ban thoh ia ka lawei jong ka India kaba thymmai
|
Da ki hajar snem, ka Mahakumbh ka la pynkhlain ia ka jingsngew jong ka ri. Ha man ka Purnakumbh la sakhi ia ka jingialum lang ki riewkhuid, ki riewshemphang kiba iakren shaphang ka jinglong ka imlang sahlang ha ki por jong ki. Ki jingshem jong ki ki dei kiba ai ka lynti ia ka ri bad ka imlang sahlang. Man ka hynriew snem, ha ka por jong ka Ardhkumbh, la peit biang ia kine ki jingshem. Hadien ki 12 tylli ki Purnakumbh kiba long ha ki 144 snem, ki rukom bym iahap shuh ki dei kiba la ieh noh, bad la pdiang ia ki jingmut kiba kham thymmai, bad ki rukom ba thymmai kiba la wanrah ki iaid shakhmat katkum ka por.
Hadien 144 snem, ha kane ka Mahakumbh, ki riewkhuid jong ngi sa shisien ki la ai ka khubor kaba thymmai na ka bynta ka jingiaid lynti ka India sha ka roi ka par. Kane ka khubor ka long Ka India kaba la Kiew Shaphrang – Viksit Bharat.
Ha kane ka Ekta Ka Mahakumbh, man u pilkrim, la u dei uba riewspah ne duk, la u dei na ki jaka nongkyndong ne ki jaka sor, na India ne nabar ka ri, na ka thain Mihngi ne Sepngi, ka thain shatei ne shathie, la u dei na kano kano ka bynta jong ka imlang sahlang ne kano kano ka rukom pyrkhat, ki la iawan lang. Kane ka dei ka dak jong ka jing thmu Ek Bharat Shreshtha Bharat kaba la ai ka jingskhem jingmut ia ki klur ngut ki briew. Mynta, ngi dei ban iawan lang ha kane ka juh ka rukom na ka bynta ka kam ban tei ia ka India kaba la kiew shaphrang.
|
Nga kynmaw ia ka jingjia ha kaba u khynnah rit, Shri Krishna u la pyni ia ka dur jong baroh kawei ka jingthaw hapoh ka shyntur jong u sha ka kmie jong u ka Yashoda. Kumjuh, ha kane ka Mahakumbh, ki briew jong ka India bad ka pyrthei ki la sakhi ia ka lad kaba heh jong ka bor ba iatylli jong ka India. Mynta ngi dei ban iaid shakhmat da kane ka jingskhem jingmut bad aiti ialade na ka bynta ka jingtei ia ka India kaba la kiew shaphrang.
Ha ki por ba la dep, ki riewkhuid jong ka jingiakhih Bhakti ki la shem bad pynshlur ia ka bor jong ka jingiakut jingmut kaba tylli ha kylleng ka India. Naduh u Swami Vivekananda haduh u Sri Aurobindo, baroh ki riewshemphang kiba khraw ki pynkynmaw ia ngi shaphang ka bor jong ka jingiakut jingmut lang. Wat u Mahatma Gandhi ruh u la sakhi ia kane ha ka por jong ka jingiakhih na ka bynta ka jinglaitluid. Hadien ba la ioh jinglaitluid, lada kaba ka bor jong ka jingiatylli ka dei kaba la ithuh bad pyndonkam ban kyntiew ia ka bha ka miat jong baroh, kan la kylla sha ka bor kaba khlain na ka bynta ka ri kaba dang shu ioh jinglaitluid. Hynrei, ym shym la leh ia kane. Hynrei mynta, ng kmen ban sakhi ia ka rukom ba kane ka bor jong ka jingiatylli ki briew ka iawan lang na ka bynta ka India kaba la kiew shaphrang.
|
Naduh ki Veda haduh u Vivekananda, naduh ki jingthoh ba hyndai haduh ki satellite ha kine ki por ba mynta, ki dustur ba khraw jong ka India ki la tei ia kane ka ri. Kum u briew jong kane ka ri, nga duwai ba ngin ioh mynsiem na ki jingkynmaw ia ki longshuwa bad ki riewkhuid. To ai ba kane ka Ekta Ka Mahakumbh kan iarap ia ngi ba ngin jam shakhmat da ki jingkut jingmut ba thymmai. To ngin pynlong ia ka jingtylli kum ka nuksa kaba ialam lynti ia ngi. To ngin trei da ka jingsngewthuh ba ka jingai jingshakri ia ka ri ka dei ka jingai jingshakri ia U Blei.
Ha ka por ialap elekshon jong nga ha Kashi, nga la ong, “Ka Maa Ganga ka la khot ia nga." Kane kam la dei tang ka jingsngew hynrei ka jingkhot na ka bynta ka jingbahkhlieh, na ka bynta ka jingkhuid jong ki wah ba kyntang jong ngi. Haba nga ieng ha ka jaka ba iakynduh ka Ganga, Yamuna, bad Saraswati ha Prayagraj, ka jingkut jingmut jong nga ka la kham khlain. Ka jingkhuid jong ki wah jong ngi ka don ka jingiadei kaba skhem bad ka jingim jong ngi. Ka dei ka jingbahkhlieh jong ngi ban ithuh ia ki wah jong ngi, la ki dei kiba heh ne rit, kum ki kmie kiba ai ka jingim. Kane ka Mahakumbh ka la ai mynsiem ia ngi ban bteng ka jingtrei na ka bynta ka jingkhuid jong ki wah jong ngi.
|
Nga tip ba ka jingpynlong ia ka kam kaba heh haduh katne katne kam dei ka kam kaba suk. Nga duwai ia ka Maa Ganga, Maa Yamuna, bad Maa Saraswati ban map ia ngi lada ka la don kano kano ka jing duna ha ka jingngeit jong ngi. Nga iohi ia ki Janata Janardan, ki briew, kum ka dak jong ka jinglong kyntang. Lada ka la don kano kano ka jing duna ha ki jingpyrshang ban ai jingshakri ia ki, nga pan map na ki briew.
Da ki klur ngut ki briew ki la wan sha ka Mahakumbh da ka jingsngew kyntang. Ka jingai jingshakri ia ki ka la dei ka jingbahkhlieh ba la pyndep da kane ka juh ka jinglong kyntang. Kum u dkhot ka Parliament na Uttar Pradesh, nga lah ban ong ba hapoh ka jingialam jong u Yogi Ji, ki bor ba dei peit bad ki briew ki la iatrei lang ban wanrah jingjop ia kane ka Ekta Ka Mahakumbh. La ka dei ka Jylla ne ka Sorkar Pdeng, ym shym la don ki nongsynshar, hynrei baroh ki la long ki sevak. Ki nongtrei na ka bynta ka jingkhuid, ki pulit, ki nongking lieng, ki nongniah kali, ki briew kiba sam mar bam – baroh ki la trei shitom. Ka rukom ha kaba ki briew ka Prayagraj ki la pdiang burom ia ki pilkrim da ka mynsiem kaba kylluid watla ki la hap ban mad ia ki jingeh, ka dei kaba ai mynsiem bha. Nga ai ka jingsngewnguh ia ki bad ki briew jong ka Uttar Pradesh.
|
Nga ju ngeit beit ha ka lawei kaba phyrnai ia ka ri jong ngi. Haba nga sakhi ia kane ka Mahakumbh, kane ka jingngeit jong nga ka la kiew bun bun shah.
Ka rukom ha kaba 140 klur ngut ki briew jong ka India ki la pynkylla ia ka Ekta Ka Mahakumbh kaba paw sha kylleng ka pyrthei ka dei kaba itynnad shisha. Da kaba ioh mynsiem na ka jingtrei shitom bad ka jingngeit kaba skhem jong ki briew jong ngi, shen ngan leit sha Shri Somnath, kaba nyngkong na ki 12 tylli ki Jyotirlinga, ban rah ia ki jingseisoh jong kine ki sienjam ba la iatreilang ha ka ri sha U bad duwai na ka bynta baroh ki briew jong ka ri.
Ka Mahakumbh ka dei kaba la dep ha ka Mahashivratri, hynrei kum ka jingtuid kaba shirta jong ka Ganga, ka jingkhlain ka jingngeit, ka jingsngew jong ka ri bad ka jingiatylli ba ka Mahakumbh ka la wanrah kan bteng ban ai mynsiem ia ngi ha kine ki por ban wan.
