Objective of "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" is ensuring access to various financial services like availability of basic savings bank account, access to need based credit, remittances facility, insurance and pension to the excluded sections i.e. weaker sections & low income groups. This deep penetration at affordable cost is possible only with effective use of technology.
PMJDY is a National Mission on Financial Inclusion encompassing an integrated approach to bring about comprehensive financial inclusion of all the households in the country. The plan envisages universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance and pension facility. In addition, the beneficiaries would get RuPay Debit card having inbuilt accident insurance cover of र 1 lakh. The plan also envisages channeling all Government benefits (from Centre / State / Local Body) to the beneficiaries accounts and pushing the Direct Benefits Transfer (DBT) scheme of the Union Government. The technological issues like poor connectivity, on-line transactions will be addressed. Mobile transactions through telecom operators and their established centres as Cash Out Points are also planned to be used for Financial Inclusion under the Scheme. Also an effort is being made to reach out to the youth of this country to participate in this Mission Mode Programme.
UNION BANK Of INDIA CSP
Activity
|
Amount (INR)
|
Fixed Salary (If CSP has done minimum 50 transaction* in the month)
|
3500
|
Incentive on Float@ 2.5 % (Maximum Rs. 1000/-)
|
500
|
Ø If any CSP is doing more than 100 transactions in a month, s/he will get an additional Rs. 2/- per incremental transaction of the month.
Ø Addition to this a CSP can earn by acquiring new customer @ Rs. 20/- per new customer.
Ø All CSP point should be fixed point where a customer can visit & do normal banking transactions. Ø At the time of appointment, CSP has to deposit Rs. 25000/- (Rupees twenty Five thousand only) as security deposit. Out of 25 K, Rs. 8000/- (Eight thousand only) will be refundable & Rs. 17000/- will be Non-refundable. We will provide a Nokia mobile (Non-returnable) & POS machine (returnable) to run the business to each CSP.
