evidence: The scheme has been started with a target to provide 'universal and clear access to Banking facilities' starting with "Basic Banking Accounts" with overdraft facility of Rs.5,000. Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. Accounts opened under PMJDY are being opened with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfil minimum balance criteria. [...] A pipeline has been created for the implementation of PMJDY through which Jan Dhan accounts and mobile banking have been linked to Aadhar (JAM). This pipeline is not only facilitating savings, disbursal of credit, social security, etc, but more importantly channelizing direct benefits of various government schemes to poor people of the country through DBT. [...] Our Bank has enabled missed call based enrolment for PMSBY (Pradhan Mantri Suraksha Bima Yojana) from 01.06.2019. On getting SMS Alert from the Bank, Customers who have registered their mobile number in their SB account can get enrolled under PMSBY by giving a missed call to +91 7065088800 from their registered mobile number.