JAM Yojana
Initiative by the government of India
JAM (short for Jan Dhan-Aadhaar-Mobile) trinity refers to the government of India initiative to link Jan Dhan accounts, mobile numbers and Aadhaar cards of Indians to plug the leakages of government subsidies.
History
The JAM trinity was proposed in the Economic Survey of 2014-15.
Jan Dhan Yojana
Pradhan Mantri Jan-Dhan Yojana is India's National Mission for Financial Inclusion to ensure access to financial services, namely banking savings and deposit accounts, remittance, credit, insurance and pension in an affordable manner. This financial inclusion campaign was launched by the Prime Minister of India Narendra Modi on 28 August 2014. He had announced this scheme on his first Independence Day speech on 15 August 2014.
Run by Department of Financial Services, Ministry of Finance, on the inauguration day, 1.5 crore (15 million) bank accounts were opened under this scheme. Guinness World Records recognises the achievements made under PMJDY, Guinness World Records Certificate says "The most bank accounts opened in 1 week as a part of financial inclusion campaign is 18,096,130 and was achieved by Banks in India from 23 to 29 August 2014". By 1 June 2016, over 22 crore (220 million) bank accounts were opened and ₹384.11 billion (US$5.7 billion) were deposited under the scheme.
Aadhaar
The Unique Identification Authority of India is a central government agency of India. Its objective is to collect the biometric and demographic data of residents, store them in a centralised database, and issue a 12-digit unique identity number called Aadhaar to each resident.
“JAM Yojana” enters the record as initiative by the government of India. Crown Archives preserves that source wording while asking what Yojana, Initiative and government can confirm, complicate or overturn.
Why this record matters
“JAM Yojana” is worth following because a concise public description often conceals a longer documentary argument. Here, Yojana, Initiative and government provides the most credible route into that argument.
Contemporary correspondence, administrative files and participant testimony can test how later narratives organized the event or institution. The source revision retrieved here is dated Aug 10, 2026. The linked authority identifier is Q28169895. None of the 0 selected statements returned an explicit reference. The first chronological checks are 2014 and 2016.
Official terminology may obscure informal participation, dissent or communities documented only indirectly. The lead is largely declarative, so disagreement and counter-evidence require a deliberate search beyond the opening account. Authority statements aid reconciliation but still require their own references, qualifiers and ranks to be checked.
How to read it
Compare institutional narratives with records created by participants and affected communities. Dates and formal titles are useful anchors, but not substitutes for context.
- Event chronology
- Institutional context
- Locating named record creators
Contemporary correspondence, government or organizational records, oral histories and cited historical scholarship.
Three-step research path
- Establish the record: confirm the title “JAM Yojana”, its source revision and the description used here.
- Expand the search: follow JAM Yojana primary sources, JAM Yojana archive and Yojana research across catalogues and specialist indexes.
- Test the account: compare the strongest cited source with the responsible institution’s current record and note any disagreement.
Questions for further research
- Which source most directly establishes the central claim about “JAM Yojana”?
- Which voices are present, absent or mediated by the institution?
- What chronology connects this entry to wider political or social change?
Search terms from this dossier
This entry incorporates text from “JAM Yojana” on English Wikipedia. Contributors are listed in the page history. Text is available under the Creative Commons Attribution-ShareAlike 4.0 License. Selected authority identifiers and statements are retrieved from Wikidata under CC0; their references and qualifiers remain part of the verification path.