The Reserve Bank of India (RBI) launched a scheme of banking from doorsteps, under this scheme a detailed survey was carried of rural households, semi-urban and urban households. The main aim of this scheme is that every household surveyed will get a bank account and if they want it, more than one member can open an account. RBI launched this scheme in order to provide banking assistance no matter how small the need so that rural people can be helped in getting rid of middlemen, who lend at very high rate of interest to innocent villages and duped them.
RBI launched this scheme as pilot project through Punjab National Bank in Tamar and Union Bank in Hazaribagh and processing is carried on to provide 100 per cent financial aid even in remote corners of the state.
RBI aims to ensure that the scheme should be launched in reality in five districts of Jharkhand within three months.
Under this scheme if members of a household for some reason are unable to make immediate deposits, they will be given a zero-deposit account.
In the initial stage banks operating in five districts - Ranchi, Hazaribagh, Dumka, Jamtara and Pakur will be marked for opening accounts. Then banks will be appointing business providers, it is a free of cost link between the bank and the household. These providers will not only provide money to the householder through ATMs but also take deposits from people.
The business providers will have electronically operated gadgets or cellphones. He will take the deposit and immediately credit it to the bank. He will also help people by providing money to them if they want to withdraw even small amounts. The handheld gadgets with business providers will be operative wherever and whenever there is connectivity and the bank ledgers could also be updated instantly. Currently a detailed survey for selection of business provider is being carried on.
The business smart card will also be issued which would carry the photograph of the person concerned as well as a left thumb impression. After appropriate checking, withdrawal of money can be done.
In case of large amount the account holder will need to visit the banks, or else, the business provider would help them operate their accounts from their homes.
Earlier agencies such as Orion, Little-world, Fino, HCL, Zoom and Entegra — have worked on similar projects in Madhya Pradesh, Andhra Pradesh and Gujarat — have been asked to carry out the survey.
K.K. Sinha the officer deployed on special duty at department of institutional finance and program implementation, informed the project will ensure that those living in rural or remote areas do not get mislead.
It will also be ensured that financial services reach them and connect them to the economic growth of the country.
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