PM’s Jan Dhan Yojana faces access deficit

..........It was not concerns over the creditworthiness of the poor which were holding banks back from extending credit, Mr. Rangarajan said. “Currently, our banks are meant to be equipped to disburse loans of millions of rupees and also a few thousand rupees. What is needed is a reorganisation of the structure of banks,” he said. There is also a significant gender gap in banking; by 2012, for every 1,000 deposit accounts opened in the name of men, just 394 were opened in the name of women. Chhattisgarh, West Bengal, Madhya Pradesh, Maharashtra and Gujarat were even worse than the national banking sex ratio, while Delhi and the four southern States were better.............

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