unending creation

आओ फिर से दिया जलाएँ भरी दुपहरी में अंधियारा सूरज परछाई से हारा अंतरतम का नेह निचोड़ें- बुझी हुई बाती सुलगाएँ। आओ फिर से दिया जलाएँ हम पड़ाव को समझे मंज़िल लक्ष्य हुआ आंखो...

The article talks about how the idea of "Jan Dhan" has been repurposed by SBI in a product called SBI YONO which has all the negatives of the scheme and none of the positives. JanDhan accounts cannot be charged penalty for having low balances. The article will show you how YONO and Jandhan are same at their base, but one has been branded differently and being sold differently to get around the penalty provision. The article also suggests that banks like SBI are increasingly making penalty from Monthly Average Balance (MAB) as a tool to boost profits at the cost of poorest of the poor. It further says that SBI YONO is one such attempt to lure more people into opening new accounts so that the base of people with "MAB chargeable accounts" grow. Introduction One of the focus areas for the present government was financial inclusion, and after coming to power, one of the first steps that Government did was to bring in the much touted PMJDY (Pradhan Mantri JanDhan acc...