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    <title>Jan Dhan Accounts in Private/Public Sector Banks</title>
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    <description>Pradhan Mantri Jan Dhan Yojana (PMJDY) authorises public and private banks to open basic deposit accounts to provide universal banking access; policy expressly contemplates that Jan Dhan accounts are not debited with bank charges, and implementation reporting distinguishes total accounts opened from operative accounts while attributing major share of openings to public sector banks with participation by private banks.</description>
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