Letters: Jan Dhan Yojana's real test

In his column "The inclusion triangle" (Muddy Waters, September 8), Subir Gokarn has lucidly brought out the high and low points of the Jan Dhan Yojana. The real challenge will be to keep the accounts alive, fund the overdraft mechanism and clarify doubts on the insurance cover.

Moreover, the financial viability of running millions of such accounts will depend on the minimum balances maintained and number of transactions carried out in a year. In the past, many such accounts were opened but are now dormant. Getting the holders to use these accounts and ensuring that other players of the triangle stay within the system are two sides of the same coin.

J S Broca, New Delhi

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