In an interview to CNBC-TV18, Deputy Governor of RBI, SS Mundra said that the overdraft as it is envisaged in Jan Dhan has a upper limit up to Rs 5000 depending on the credit history etc.
In an interview to CNBC-TV18, Deputy Governor of Reserve Bank of India SS Mundra said that the overdraft as it is envisaged in Jan Dhan has a upper limit up to Rs 5,000 depending on the credit history etc, within the existing category of RBI these kind of overdrafts are already eligible to be classified as priority sector which has a linkage to the annual income of the particular household which is availing this overdraft.
Below is the transcript of SS Mundra's interview with Anuj Singhal, Latha Venkatesh and Ekta Batra on CNBC-TV18.
Latha: The big news that has come from the Reserve Bank of India (RBI) is that loans or overdrafts given to Jan Dhan accounts will now count as priority sector. Are there any other changes to the priority sector category that we should expect?
A: There are two things to it, let me clarify. As far as the overdraft as it is envisaged in Jan Dhan which has a upper limit up to Rs 5,000 depending on the credit history and all that, within the existing category of RBI these kind of overdrafts are already eligible to be classified as priority sector which has a linkage to the annual income of the particular household which is availing this overdraft. So, this is a continuity of existing guideline. This is what we have clarified and it has been further reinforced. So, that is the Jan Dhan overdraft.
As far as the overall priority sector classification and guidelines are concerned, as you are aware that RBI had formed a working group, this working group has finalised this report. It was put for a consultation as well and presently it is under discussion with the Government of India.
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