Government is expanding banking facilities in rural areas

New Delhi: To ensure availability of banking outlets (Bank Branch / Business Correspondent (BC)), the government has launched a Geographic Information System (GIS) based app, named Jan Dhan Darshan, within 5 km of all inhabited villages. App (JDD App). National Informatics Center (NIC). This was stated by the Minister of State for Finance and Corporate Affairs Shri Anurag Singh Thakur in a written reply in the Lok Sabha today.

Banks have been provided with login credentials to upload the GIS location of their branches, business correspondents and ATMs on the app. According to the JDD app, 1.66 lakh branches, 4.35 lakh BC and 2.07 lakh ATMs have been mapped by banks. Further, according to the data uploaded by banks on the JDD app, out of the 5.53 lakh mapped villages on the app, 5.52 lakh (99.8%) villages have a branch or BC within a distance of 5 km, the minister wrote a written reply. said in.

Giving more details, Thakur stated that as per the extant guidelines dated 18.5.2017 on rationalization of branch authority policy, the Reserve Bank of India (RBI) gave general permission to domestic scheduled commercial banks (excluding RRBs) to open banking outlets is. At any place in the country, without prior approval of RBI in each case, subject to at least 25 per cent of the total number of banking outlets opened during a financial year, which may be in unbanked rural centers viz. Centers with less than 10,000 population (Tier 5) and Tier 6 centers). In addition, 10 small finance banks and six payment banks have been licensed by the RBI to provide banking services across the country, including rural centers.

The minister said that under the Pradhan Mantri Jan-Dhan Yojana (PMJDY), 1,000 to 1,500 households were mapped by banks in all villages with an SSA catering to 1.59 lakh sub-service area (SSA). While 0.33 lakh SSAs are covered with bank branches, 1.26 lakh SSAs are covered by deployment of Interoperable Business Correspondents (BCs).

As per RBI guidelines, the operationalization of banking outlets in open areas is a continuous process and is overseen by the State Level Bankers Committee (SLBC) along with the concerned state government, member banks and other stakeholders. Inter-banks consider the bank’s directives, their business plans and proposals to open banking outlets in view of their commercial viability. To assess the feasibility of opening banking outlets, banks conduct surveys as needed.

Also read in Hindi: सरकार ग्रामीण क्षेत्रों में कर रही बैंकिंग सुविधाओं का विस्तार

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