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PM’s Yearend ‘Mann Ki Baat’ Focuses on Cashless Payments, Awards

Coinciding with Christmas, PM Narendra Modi listed ‘Lucky Grahak Yojana’ for small buyers and ‘Digi Dhan Vyapaar Yojana’ for traders to encourage cashless payment economy.

“To strengthen mobile banking and to inculcate the habit of making e-payments, the Government of India is launching from today encouragement schemes for consumers as well as traders. To encourage customers, the scheme is ‘Lucky Grahak Yojana’ and to encourage traders the scheme is ‘Digi Dhan Vyapaar Yojana’,” said Mr Modi.

Today, on 25th December, as a Christmas gift, 15,000 people will get rewards through a draw and the winners will get Rs.1,000 into their accounts and the scheme will continue for the next 100 days. Everyday 15,000 people will get the reward and the entire scheme will carry crores of rupees as gift provided they make use of mobile banking, e-banking, RuPay Card, UPI, USSD or other methods of digital payment.

In addition, there would be a grand draw once every week for such customers in which the prize money will be in lakhs of rupees and three months later on April 14th, on the occasion of the birth anniversary of Dr. Baba Saheb Ambedkar, there would be a mega bumper draw where rewards would be in crores of rupees, he said.

‘Digi Dhan Vyapar Yojana’ is mainly for traders and businessmen to encourage their customers too in order to make their business cashless. Those who make a purchase worth more than Rs.50 and less than Rs.3,000 will be entitled to rewards under this scheme.

Already there are about 30 crore or 300 million RuPay Cards in India, out of which 200 million RuPay Cards belong to poor families which have ‘Jan Dhan’ accounts. These 300 million people can immediately become part of this rewards scheme, he said.

He told the people who are not aware of using the digital payment mode to ask any youngster or those studying even 10th or 12th standard in the family and they could teach them how to use WhatsApp and make payments on mobile.

“If there is a child studying in 10th or 12th standard in your family, he or she will also be able to teach you well about this. It is as simple as sending WhatsApp messages on the mobile,” he advised.

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