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Dear Students, New Batches for IAS and MPPSC starting from 25th March 2026
Dear Students, New Batches for IAS and MPPSC starting from 25th March 2026
10 Years of Pradhan Mantri Jan Dhan Yojana (PMJDY)
Context
The Pradhan Mantri Jan Dhan Yojana (PMJDY), launched in 2014 under the Ministry of Finance has completed a decade of successful implementation.
About
PMJDY is the largest financial inclusion initiative to provide support to the marginalized and economically backward sections through its financial inclusion interventions.
PMJDY provides one basic bank account for every unbanked adult.
Key Features of the Jan Dhan Yojana
Under the PMJDY, individuals can open a basic savings bank deposit (BSBD) account at any bank branch or through a Business Correspondent (‘Bank Mitra’).
Key benefits of the scheme include:
No requirement to maintain a minimum balance in PMJDY accounts;
Interest earned on deposits in PMJDY accounts;
Provision of a RuPay Debit card to account holders;
Accident insurance cover of Rs 100,000 (increased to Rs 200,000 for new accounts opened after August 28, 2018) with the RuPay card;
Namo Drone Didi scheme
Context
The Finance Ministry has allocated Rs 500 crore for the Namo Drone Didi scheme and Rs 365.64 crore for National Mission on Natural Farming for 2024-25.
Namo Drone Didi scheme
It is an initiative aimed at providing drones to 15,000 selected women self-help groups (SHGs) during the period 2023-24 to 2025-2026 for providing rental services to farmers.
The women beneficiaries are trained to become drone pilots under the initiative.
How will Drone Didis help farmers?
The trained women drone pilots will help farmers in various agricultural operations like fertilizer spraying, sowing seeds and crop monitoring.
The initiative intends to modernize Indian agricultural practices and enhance productivity by placing the cutting edge technology at the disposal of rural women.
The Centre will provide each SHG identified a subsidy up to 80 per cent towards the cost of a drone or a maximum of Rs 8 lakh.
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