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Are Jan Dhan Bank Accounts Actively Used?

Are Jan Dhan Bank Accounts Actively Used?

Issue-3-2017 Research Centres and Institutes Spotlight Management Briefs
Published on   Aug-30-2017

ISBInsight
2019/07/30
in Issue-3-2017, Research Centres and Institutes Spotlight, Management Briefs
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Many analysts attribute the recent electoral success of the Bharatiya Janata Party to the effective implementation of social sector schemes launched by the government of India. The Pradhan Mantri Jan Dhan Yojana (PMJDY) is one such scheme, extremely ambitious in scope. It gave every person in India a bank account, including hundreds of millions of poor, financially excluded individuals. Are these accounts used and if so, how active is the usage? In a recent paper, we analyse these questions.

We find that activity is slow to start but picks up and shows convergence to the level of normal savings bank accounts opened in this period. The formerly unbanked may never have stepped into a bank branch before the PMJDY, but once they do so, they exhibit a surprising demand for banking services… Read more.

Author:
N.R.Prabhala is Professor of Finance at the University of Maryland.
Yakshup Chopra is a Researcher with the Centre for Analytical Finance at the Indian School of Business.
Prasanna Tantri is Senior Associate Director with the Centre for Analytical Finance at the Indian School of Business

Source: This article is reproduced from LiveMint dated April 17, 2017.

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This article was contributed by the staff and affiliated contributors of ISBInsight.

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About ISBInsight

ISBInsight is the flagship research periodical of the Indian School of Business (ISB).

It features research-driven insight and evidence-informed opinion for practitioners, with a focus on Indian and emerging markets.

ISSN: 2582-1180 (Online)
Publisher:
Indian School of Business
Gachibowli, Hyderabad
Telangana - 500 111

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