Full potential of Aadhaar not realised under UPA regime: Arun Jaitley

Full potential of Aadhaar not realised under UPA regime: Arun Jaitley

Full potential of Aadhaar not realised under UPA regime: Arun Jaitley

He said that the number of zero balance accounts under PMJDY has declined from 76.81% in September 2014 to less than 20% as of now. "The number of zero-balance accounts has now come down to 20 per cent of the total", Jaitley said. The Finance Minister said that since this financial assistance goes directly into the bank accounts of the deserving people, it has, in turn, helped in more operationalization of PMJDY bank accounts and thereby reducing drastically the number of dormant/non-operational accounts. "In 2014 when we launched the PMJDY, in a mission mode throughout the country with the help of banks, 44 per cent of Indian households were outside the banking system", he said.

About 42 per cent of households were unbanked before the Jan Dhan Yojana, which aims to give every household access to banking facilities by offering them zero-balance accounts across all commercial banks. During the speech, Jaitley referred to the number of accounts opened for disadvantaged sections and said they have been significantly large.

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Speaking at the financial inclusion conclave on Wednesday in New Delhi, the Finance Minister said that it's only after 2014 after the launch of PMJDY that the condition of financial inclusion improved.

Referring to the right to privacy judgement, he said "Some of the illustrative restraints of the Article 21 that could be imposed are in the larger interest of the society, or for the goal of detection of crime or for the distribution of social benefits". "There is an emphasis in India particularly after demonetisation to reduce quantum of cash in society", Jaitley said.

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"(I) am sure the Aadhaar legislation will stand the test of constitutionality", the Finance Minister said, adding Aadhaar enables targeted state support directly to beneficiaries.

The Finance Minister, Shri Jaitley further said that this is one area where Public Sector Banks (PSBs) did better than others.

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