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    <description>PMJDY has been refocused from household coverage to every adult and operationally enhanced: overdraft access has been increased with relaxed conditions for small overdrafts and extended age eligibility, accidental insurance cover for new RuPay card holders on newly opened accounts has been raised, and measures are directed to promote Direct Benefit Transfer, link social security and savings products to Jan Dhan accounts, and accelerate digital payments to deepen financial inclusion.</description>
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