最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯监管与政策

印度普惠金融新政发布在即

国际资讯监管与政策

印度普惠金融新政发布在即

知情人士透露,印度总理Narendra Modi将在周三的印度独立日演讲中公布面向约3.2亿Jan Dhan账户持有人的最新优惠,以推动政府金融普惠举措发展。

根据该旗舰普惠金融计划(PMJDY),政府计划资助资金欠缺人士,Jan Dhan账户透支限额可能翻番至1万卢比。政府也可能宣布有吸引力的微型保险计划,RuPay卡持有人的免费意外保险额度可能从10万卢比增长到更多。PMJDY的第二阶段将于8月15日结束,政府将进一步改进这一计划并补充新目标,总理的独立日演讲将是宣布这一消息的最好机会。

印度政府于2014年8月推出PMJDY这一旗舰金融普惠举措。第一阶段于2015年8月14日结束,重点是设立基本银行账户,开通RuPay借记卡。在过去四年中,共开设了3.225亿PMJDY账户,未清余额8067.482亿卢比。

此外,政府可能会根据电子养老金项目(APY)将2015-2016年宣布的养老金限额从每月最高5000卢比提高到最高10000卢比。

为了解决未加入任何组织的工人的长寿风险,鼓励他们自愿存款为退休做准备,政府于2010-2011年启动了Swavalamban计划。然而,由于养老金福利不明确,Swavalamban计划覆盖范围有限。

电子养老金项目(APY)的关注对象是未加入任何组织的所有公民,参保人员将加入由养老基金监管和发展管理局(PFRDA)管理的国家养老金体系(NPS),他们未参与任何法定社会保障计划。参保电子养老金项目的人员在年满60岁之后,根据缴费情况每月将获得1000-5000卢比不等的养老金。

Prime Minister Narendra Modi is expected to announce benefits for about 32 crore Jan Dhan account holders in his Independence Day speech on Wednesday to provide a boost to the government's financial inclusion drive, said people familiar with the matter.

There could be a doubling of overdraft facility to ₹ 10,000 under the Pradhan Mantri Jan Dhan Yojana (PMJDY) account holders as part of the government's effort to fund the unfunded, they said. The government may also announce attractive micro insurance scheme on the occasion, the people said. The free accident cover under the RuPay Card holders could be increased from ₹  1 lakh.

The Phase II of PMJDY will come to an end on 15 August, and the scheme would be due for a revamp with further goals, the people said, adding that the prime minister's I-Day speech would be the best platform to make the announcement.

PMJDY, the flagship financial inclusion drive, was launched in August 2014. The first phase ended on 14 August 2015 was focussed on opening basic bank accounts and RuPay debit card. In the last four years, 32.25 crore PMJDY accounts have been opened with ₹  80,674.82 crore outstanding balance.

In addition, the government may raise the pension limit under Atal Pension Yojana, announced in 2015-16, to up to ₹  10,000 per month from the existing slab of up to ₹  5,000.

In order to address the longevity risks among the workers in the unorganized sector, and encourage them to voluntarily save for retirement, the government had started the Swavalamban Scheme in 2010-11. However, coverage under Swavalamban Scheme is inadequate mainly due to lack of clarity of pension benefits.

The Atal Pension Yojana was focussed on all citizens in the unorganized sector, who would join the National Pension System (NPS) administered by the Pension Fund Regulatory and Development Authority (PFRDA) and who are not members of any statutory social security scheme.

Under the Atal Pension Yojana, the subscribers would receive the pension of ₹  1,000-5,000 per month at the age of 60 years, depending on their contributions.

用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

栀航 | 未央团队未央编辑团队

65
总文章数

TA还没写个人介绍。。。

谷歌收购印度最受欢迎火车追踪应用Where is my Train

Jon Russel... | 猎云网 1天前

研究表明,在线平台同样难以避免借贷歧视

渺渺 2天前

印度成立地方性区块链创业组织

Yogita Kha... | COIN DESK 12-06

推动普惠金融发展,联合国增设“数字金融工作组”

渺渺 12-05

积极接洽RBI,WhatsApp为进军印度市场做准备

pymnts | PYMNTS 12-03

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1