Ijrcm 4 IJRCM 4 - Vol 6 - 2016 - Issue 05 Art 09

VOLUME NO. 6 (2016), ISSUE N O.
05 (M AY)
ISSN 2231-5756
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VOLUME NO. 6 (2016), ISSUE N O. 05 (M AY)
ISSN 2231-5756
CONTENTS
Sr.
TITLE & NAME OF THE AUTHOR (S)
No.
1. mHEALTH EFFECTIVENESS AND POTENTIAL IN INDIA
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SURENDRA NATH SHUKLA, J K SHARMA & DR. BALVINDER SHUKLA

AN EFFICACY OF IMPACT OF TURNOVER RATIOS ON PROFITABILITY WITH SPECIAL REFERENCE TO
INDIAN PHARMACEUTICAL INDUSTRY
DR. N. PASUPATHI
5S TECHNIQUE: THE EMERGING CONCEPT OF SERVICE QUALITY
SIMERJEET SINGH BAWA, DR. HARPREET SINGH & DR. NITYA
PERCEIVED ORGANIZATIONAL SUPPORT AND AFFECTIVE OCCUPATIONAL COMMITMENT AS
MEDIATING VARIABLES ON THE RELATIONSHIP BETWEEN ORGANIZATIONAL CAREER GROWTH AND
EMPLOYEES PERFORMANCE
SAUD NAPITUPULU, TULUS HARYONO, HUNIK SRI RUNNING SARWITRI & MUGI HARSONO
PUBLIC SERVICE INNOVATION: STUDY OF MASS TRANSPORT SERVICE THROUGH THE MASS RAPID
TRANSIT (MRT) IN JAKARTA
ERIE SYAHRIAL, DR. SRI SUWITRI, DR. BAMBANG RIYANTO & DR. SUNDARSO
ROLE OF ISO IN IMPROVING QUALITY OF MANAGEMENT EDUCATION IN INDIA
DR. KOMAL CHOPRA & DR. PRADNYA CHITRAO
REPORTING QUALITY OF SOCIAL SUSTAINABILITY INDICATORS OF INDIAN MANUFACTURING FIRMS:
AN ANALYSIS
DIGANTA MUNSHI & DR. SRABONI DUTTA
SERVICE QUALITY IN HIGHER EDUCATIONAL INSTITUTIONS: AN EMPIRICAL ASSESSMENT
DR. MUSHTAQ AHMAD BHAT & MUDASIR QUADIR SOFI
AN EMPIRICAL STUDY ON PMJDY SCHEME IMPLEMENTATION AT KANEKAL MANDAL OF ANANTAPUR
DISTRICT
G DIVAKARA REDDY
HRM PRACTICES AND ITS CONTRIBUTION TO LEARNING ORGANIZATION: A LITERATURE REVIEW
ESHA SINGH
KISSAN CREDIT CARD SCHEMES AND FARMERS AWARENESS - INITIATIVES OF KERALA GRAMIN BANK
DR. PRAKASH. C, NEBU CHERIAN. P & JOBY JOSEPH THOOMKUZHY
A CASE STUDY ON CASH MANAGEMENT PRACTICES IN COOPERATIVE BANKS
DR. MOHD. IQBAL DARZI
FINANCIAL INCLUSION IN VILLAGES OF INDIA: A CASE STUDY OF VILLAGES OF SHYAMSUNDAR GRAM
PANCHAYAT
DR. BANESWAR KAPASI
MARKETING STRATEGIES OF RETAIL SECTOR IN INDIA
PRIYA MALIK
YOUTH ENTREPRENEURSHIP DEVELOPMENT
DR. B. KANNAN. & R. DHANABAL
A STUDY ON AGRICULTURAL COMMODITY IN TRICHY
K. DHINESHNI & DR. S. P. DHANDAYUTHAPANI
PORTRAYAL OF NATURE IN ENGLISH LITERATURE AND CONSERVATION OF NATURE
SANGEETHA .J
A STUDY ON SUPPLY CHAIN MANAGEMENT IN FMCG IN MYSURU CITY
JAGATH PONNANNA & SANDHYA P
ASSESSMENT OF FACTORS AFFECTING PERFORMANCE OF WOMEN ENTREPRENEURS IN MSEs: THE
CASE OF EAST SHOA ZONE OF OROMIA REGIONAL STATE-ETHIOPIA
SILESHI LETA NEMERA
FACTORS AFFECTING ECONOMIC DEVELOPMENT AND GROWTH OF INDUSTRY IN INDIA
SHRUTI SHARMA
REQUEST FOR FEEDBACK & DISCLAIMER
Page
No.
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INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENT

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CHIEF PATRON
PROF. K. K. AGGARWAL
Chairman, Malaviya National Institute of Technology, Jaipur
(An institute of National Importance & fully funded by Ministry of Human Resource Development, Government of India)
Chancellor, K. R. Mangalam University, Gurgaon

Chancellor, Lingayas University, Faridabad
Founder Vice-Chancellor (1998-2008), Guru Gobind Singh Indraprastha University, Delhi
Ex. Pro Vice-Chancellor, Guru Jambheshwar University, Hisar
FOUNDER PATRON
LATE SH. RAM BHAJAN AGGARWAL
Former State Minister for Home & Tourism, Government of Haryana
Former Vice-President, Dadri Education Society, Charkhi Dadri
Former President, Chinar Syntex Ltd. (Textile Mills), Bhiwani
FORMER CO-ORDINATOR
DR. S. GARG
Faculty, Shree Ram Institute of Business & Management, Urjani
ADVISORS
PROF. M. S. SENAM RAJU
Director A. C. D., School of Management Studies, I.G.N.O.U., New Delhi
PROF. M. N. SHARMA
Chairman, M.B.A., Haryana College of Technology & Management, Kaithal
PROF. S. L. MAHANDRU
Principal (Retd.), Maharaja Agrasen College, Jagadhri
EDITOR
PROF. R. K. SHARMA
Professor, Bharti Vidyapeeth University Institute of Management & Research, New Delhi
CO-EDITOR
DR. BHAVET
Faculty, Shree Ram Institute of Engineering & Technology, Urjani
EDITORIAL ADVISORY BOARD

DR. RAJESH MODI
Faculty, Yanbu Industrial College, Kingdom of Saudi Arabia
PROF. SANJIV MITTAL

University School of Management Studies, Guru Gobind Singh I. P. University, Delhi
PROF. ANIL K. SAINI

Chairperson (CRC), Guru Gobind Singh I. P. University, Delhi
DR. SAMBHAVNA
Faculty, I.I.T.M., Delhi

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DR. MOHENDER KUMAR GUPTA

Associate Professor, P. J. L. N. Government College, Faridabad
DR. SHIVAKUMAR DEENE

Asst. Professor, Dept. of Commerce, School of Business Studies, Central University of Karnataka, Gulbarga
ASSOCIATE EDITORS
PROF. NAWAB ALI KHAN
Department of Commerce, Aligarh Muslim University, Aligarh, U.P.
PROF. ABHAY BANSAL

Head, Department of I.T., Amity School of Engineering & Technology, Amity University, Noida
PROF. A. SURYANARAYANA
Department of Business Management, Osmania University, Hyderabad
PROF. V. SELVAM
SSL, VIT University, Vellore
DR. PARDEEP AHLAWAT

Associate Professor, Institute of Management Studies & Research, Maharshi Dayanand University, Rohtak
DR. S. TABASSUM SULTANA

Associate Professor, Department of Business Management, Matrusri Institute of P.G. Studies, Hyderabad
SURJEET SINGH
Asst. Professor, Department of Computer Science, G. M. N. (P.G.) College, Ambala Cantt.
FORMER TECHNICAL ADVISOR

AMITA
Faculty, Government M. S., Mohali
FINANCIAL ADVISORS
DICKIN GOYAL
Advocate & Tax Adviser, Panchkula
NEENA
Investment Consultant, Chambaghat, Solan, Himachal Pradesh
LEGAL ADVISORS
JITENDER S. CHAHAL
Advocate, Punjab & Haryana High Court, Chandigarh U.T.
CHANDER BHUSHAN SHARMA

Advocate & Consultant, District Courts, Yamunanagar at Jagadhri
SUPERINTENDENT
SURENDER KUMAR POONIA

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BOOKS
Bowersox, Donald J., Closs, David J., (1996), "Logistical Management." Tata McGraw, Hill, New Delhi.
Hunker, H.L. and A.J. Wright (1963), "Factors of Industrial Location in Ohio" Ohio State University, Nigeria.
CONTRIBUTIONS TO BOOKS
Sharma T., Kwatra, G. (2008) Effectiveness of Social Advertising: A Study of Selected Campaigns, Corporate Social Responsibility, Edited
by David Crowther & Nicholas Capaldi, Ashgate Research Companion to Corporate Social Responsibility, Chapter 15, pp 287-303.
JOURNAL AND OTHER ARTICLES
Schemenner, R.W., Huber, J.C. and Cook, R.L. (1987), "Geographic Differences and the Location of New Manufacturing Facilities," Journal of Urban Economics, Vol. 21, No. 1, pp. 83-104.
CONFERENCE PAPERS
Garg, Sambhav (2011): "Business Ethics" Paper presented at the Annual International Conference for the All India Management Association, New Delhi, India, 1923
UNPUBLISHED DISSERTATIONS
Kumar S. (2011): "Customer Value: A Comparative Study of Rural and Urban Customers," Thesis, Kurukshetra University, Kurukshetra.
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Always indicate the date that the source was accessed, as online resources are frequently updated or removed.
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Garg, Bhavet (2011): Towards a New Gas Policy, Political Weekly, Viewed on January 01, 2012 http://epw.in/user/viewabstract.jsp

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AN EMPIRICAL STUDY ON PMJDY SCHEME IMPLEMENTATION AT KANEKAL MANDAL OF ANANTAPUR

DISTRICT
G DIVAKARA REDDY
BRANCH MANAGER
ANDHRA PRAGATHI GRAMEENA BANK
KANEKAL BRANCH
KANEKAL
ABSTRACT
This study is mainly aimed to assess the level of understanding, awareness and satisfaction on PMJDY Scheme of GoI in Kanekal Mandal of Anantapur District by
taking beneficiaries feedback in the form questionnaire. This paper is useful for policy makers and business leader to hone their schemes.
KEYWORDS
PMJDY (Pradhan Mantri Jan Dhan Yojana), PMSBY (Pradhana Mantri Suraksha Yojana), PMJJBY (Pradhana Mantri Jeevan Jyoti Yojana), RupayCard, Overdraft(OD).
INTRODUCTION
inancial inclusion is a concept widely popular in India from last decade now it is consolidated under a Govt of Indias Prime Minister Jan Dhan Yojana (PMJDY)
which is aimed to provide the basic financial services to the downtrodden at affordable cost. PMJDY scheme was launched by GoI from 15.08.2014 to achieve
the complete financial inclusion in a short period. Under this scheme in a year banks have opened 17.74 crore accounts and mobilized deposits of
Rs.22000crores through these accounts. About 8.17 crore people enrolled under PMSBY insurance scheme and 2.76 crore people enrolled under PMJJBY insurance
scheme as on 22.08.2015. People availed overdraft facility under the scheme was crossed 10Lakh as on its first anniversary.
It is very much useful for downtrodden people when they are in need of money and it inculcate the saving habit as well.
REVIEW OF LITERATURE
Ms Santana Guha (2015) also discussed the in her article about role of PMJDY The Role of Pradhan Mantri Jan Dhan Yojana in Financial Inclusion: An Evaluative
Study.
OBJECTIVES OF STUDY
The objectives of the study are as follows:
1. To Know feedback on PMJJBY policy under PMJDY Scheme
2. To Know feedback on PMSBY policy under PMJDY Scheme
3. To Know feedback on overdraft facility for PMJDY account
4. To Know awareness on RupayCard
RESEARCH METHODOLOGY AND SAMPLE DESIGN

The present study is based on both primary and secondary data. The primary data is collected by framing a structured questionnaire. The structured questionnaire
on the scheme was prepared personally and handed over to the respondents/beneficiaries by the researcher to collect primary data. In all 300 questionnaires
were circulated and the response from the customers is tabulated to bring out the article. The respondents were randomly selected and it is 300 in numbers. The
present study is focused on PMJDY Scheme understanding level among the beneficiaries in Kanekal revenue Mandal of Anantapur Revenue District.
SCOPE OF STUDY
This paper is contemplated to know beneficiaries understanding and feedback on PMJDY scheme which is aimed to bring downtrodden peoples into banking fold
and providing basic financial services to them at affordable cost. For study 300 beneficiaries were selected through Simple Random Sampling technique in Kanekal
revenue Mandal.
STATISTICAL TOOLS AND TECHNIQUES
The present study used the following Statistical Techniques for testing the hypotheses
1. Tables
2. Percentage Analysis
3. Pie Chart
DATA ANALYSIS AND INTERPRETATION

TABLE 1: PERSONAL INFORMATION
Gender of the respondents
Gender
No. of Respondents
Percentage
Female
189
63
Male
111
37
Total
300
100
Source: Primary Data
Table 1 shows Gender wise distribution of respondents.
TABLE 2: AGE
Age of respondents
Age
No. of respondents
18-30
68
31-45
119
46-60
90
61 and above 23
Total
300
Percentage
23
39
30
8
100
Table 2 shows age wise breakup of respondents.

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TABLE 3: EDUCATION
Education qualification of respondents
Education Level
No. of respondents Percentage
Illiterate
69
23
5th Standard
126
42
10th Standard
58
19
Intermediate/10+2
22
8
Graduation
16
5
Post Graduation and Above 09
3
Total
300
100
Table 3 shows educational level among the respondents.
TABLE 4: INCOME LEVEL
Monthly Income of Respondents
Income Level
No. Of respondents Percentage
Below Rs.2000
20
7
2001-5000
65
22
5001-8000
49
16
8001-15000
124
41
15001 and above 42
14
Total
300
100
Table 4 shows income level of the respondents.
TABLE 5: OCCUPATION
Occupation of Respondents
Occupation
Labor
96
32
Farmers
138
46
Private Employees 04
1
Govt. Employees
03
1
Small Traders
41
14
Others
18
6
Total
300
100
Source: Primary data
Table 5 shows occupation wise distribution of the respondents.
TABLE 6: MARITAL STATUS
Marital Status of the Respondents
Marital Status
Married
212
71
Unmarried
65
22
Married Single/Divorce/Widow 23
7
Total
300
100
Table 6 shows marital status wise distribution of the respondents.
TABLE 7: PROMOTIONAL TECHNIQUES
Information about of the PMJDY Scheme Promotional Technique
Particulars
No of respondents
Percentage
News Papers
48
16
Television Advt
83
28
Pamphlets of Banks
25
8
Internet
6
2
Word mouth
84
28
Campaigns by Banks
54
18
Total
300
100
Table 7 shows different promotional techniques used by agencies among that Television advertisement and Banks campaign stood at top in reaching people.
TABLE 8: FEED BACK ON PREMIUM (PMSBY)
Feed Back On Premium of PMSBY (Rs.12/-)
Feed Back
No of Respondents Percentage
Very high
03
1
High
15
1
Reasonable 132
44
Low
98
33
Very Low
52
17
Total
300
100
Table 8 shows feedback from the respondents on Premium (PMSBY).

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TABLE 9: FEED BACK ON PREMIUM (PMJJBY)

Feed Back On Premium of PMJJBY (Rs.330/-)
Feed Back
Very high
124
41
High
113
38
Reasonable 31
10
Low
24
8
Very Low
08
3
Total
300
100
Table 9 shows feedback from the respondents on Premium (PMJJBY).
TABLE 10: FEED BACK ON SUM ASSURED IN PMJJBY & PMSBY
Feed Back On Sum Assured in PMJJBY & PMSBY (Each Rs.200000/-)
Feed Back
No of Respondents
Percentage
Very high
05
2
High
24
8
Satisfied
212
71
Low
43
14
Very Low
16
5
Total
300
100
Table 10 shows feedback from the respondents on sum assured in both policies.
TABLE 11: FEED BACK ON ENROLLMENT EASE (PMSBY & PMJJBY)
Feed Back On Enrollment ease
Feed Back
Very Satisfied
261
87
Somewhat Satisfied 23
8
Neutral
05
2
Dissatisfied
03
1
Very Dissatisfied
08
2
Total
300
100
Table 11 shows feedback from the respondents on enrollment easement in both policies.
TABLE 12: AWARENESS ON OVERDRAFT FACILITY
Awareness on Overdraft facility
Awareness No of Respondents Percentage
Yes
271
90
No
29
10
Total
300
100
Table 12 shows awareness among the respondents on Overdraft facility with PMJDY account.
TABLE 13: AWARENESS ON RUPAYCARD FACILITY
Awareness on Rupaycard facility with PMJDY Account
Awareness
No of Respondents
Percentage
Yes
258
86
No
42
14
Total
300
100
Table 13 shows awareness among the respondents on Ruaycard facility with PMJDY account.
TABLE 14: FEED BACK ON OVERDRAFT FACILITY
Feed Back On Overdraft facility amount (i.e Max Rs.5000/-)
Feed Back
No of Respondents
Percentage
Very high
02
1
Somewhat high
09
3
Sufficient
44
14
Low
71
24
Very Low
174
58
Total
300
100
Table 14 shows feedback from the respondents on over facility limit with PMJDY account.
TABLE 15: AWARENESS ON INTEREST RATE ON OVER DRAFT
Awareness on Interest rate on Over draft facility
Awareness No of Respondents Percentage
Yes
216
72
No
84
28
Total
300
100

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Table 15 shows awareness among the respondents on interest rate on Over draft facility with PMJDY account.
TABLE 16: ENROLLMENT TREND FOR THE PMJDY SCHEME
Enrollment Trends for The PMJDY Scheme
Enrollment scheme
Only PMJJBY
02
1
Only PMSBY
52
17
Only Both Policies
197
66
Only Overdraft facility
3
1
Both policies and Over draft 46
15
Total
300
100
Table 16 shows enrolment trend among the respondents PMJDY account.
MAJOR FINDINGS OF THE STUDY

1.
2.
3.
4.
5.
6.
Beneficiaries are opinioned that premium on PMSBY policy is reasonable unlike premium on PMJJBY policy is high.
Sum assured is satisfactory in respect of both insurance schemes
Majority people enrolled for both policies under scheme
Overdraft facility is quite popular but Maximum overdraft amount is felt very low
In promotion of PMJDY Scheme, Television advertisements and Banks campaigns are most effective.
Financial institutions are proactive in enrolling people for the scheme.
SUGGESTIONS
1.
2.
3.
PMJJBY policy premium may be reduced to make it widely acceptable like PMSBY policy.
Maximum overdraft amount under the Scheme may be increased.
Need to augment awareness of beneficiaries on overdraft facility and RupayCard features.
CONCLUSION
Financial inclusion under PMJDY Scheme is successfully implemented and complete financial inclusion is happening in short period. The scheme is going to boost
downtrodden in upgrading their living standard.
REFERENCES
1.
2.
www.iibf.org.in
www.pmjdy.gov.in

52
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VOLUME NO. 6 (2016), ISSUE N O.

VOLUME NO. 6 (2016), ISSUE N O. 05 (M AY)

SURENDRA NATH SHUKLA, J K SHARMA & DR. BALVINDER SHUKLA

REQUEST FOR FEEDBACK & DISCLAIMER

INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENT

VOLUME NO. 6 (2016), ISSUE N O. 05 (M AY)

Chancellor, K. R. Mangalam University, Gurgaon

EDITORIAL ADVISORY BOARD

PROF. SANJIV MITTAL

PROF. ANIL K. SAINI

INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENT

VOLUME NO. 6 (2016), ISSUE N O. 05 (M AY)

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VOLUME NO. 6 (2016), ISSUE N O. 05 (M AY)

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PLEASE USE THE FOLLOWING FOR STYLE AND PUNCTUATION IN REFERENCES:

JOURNAL AND OTHER ARTICLES

INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENT

VOLUME NO. 6 (2016), ISSUE N O. 05 (M AY)

AN EMPIRICAL STUDY ON PMJDY SCHEME IMPLEMENTATION AT KANEKAL MANDAL OF ANANTAPUR

RESEARCH METHODOLOGY AND SAMPLE DESIGN

DATA ANALYSIS AND INTERPRETATION

Table 2 shows age wise breakup of respondents.

INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENT

VOLUME NO. 6 (2016), ISSUE N O. 05 (M AY)

INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENT

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TABLE 9: FEED BACK ON PREMIUM (PMJJBY)

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VOLUME NO. 6 (2016), ISSUE N O. 05 (M AY)

MAJOR FINDINGS OF THE STUDY

INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, IT & MANAGEMENT

VOLUME NO. 6 (2016), ISSUE N O. 05 (M AY)

REQUEST FOR FEEDBACK

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