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Asian Journal of Management
Year : 2017, Volume : 8, Issue : 4
First page : ( 1237) Last page : ( 1241)
Print ISSN : 0976-495X. Online ISSN : 2321-5763.
Article DOI : 10.5958/2321-5763.2017.00188.3

Antecedents on Usage of Pradhan Mantri Jan Dhan Yojana (PMJDY) Accounts among Rural Customers

Kumar R. Magesh1,*, Joseph C. Samuel2,**

1Assistant Professor, Karunya (University) School of Management, Coimbatore

2Professor, Karunya (University) School of Management, Coimbatore

*Corresponding Author E-mail: mageshkumar@karunya.edu


Online published on 2 June, 2018.


In August 2014, Government of India promoted a special scheme called as "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" which is a national goal for financial inclusion. This national project has a determined goal of ensuring all the households in the country should have a bank account and access to all the financial services provided by the banks. This issue was addressed by the honorable prime minister stating that all those who are left out the banking system should be included by participating in opening this bank account. It in this context the researcher has attempted to study the objectives of the account opening and to analyze the transactional usage behavior of Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts.



PMJDY, Financial Inclusion, No frills account.


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