Which of the following welfare schemes achievements have been recognised by the Guiness World Records?

Correct option is A

The correct answer is (a) Pradhan Mantri Jan Dhan Yojana.
· Pradhan Mantri Jan Dhan Yojana (PMJDY) achieved a Guinness World Record for the most bank accounts opened in one week. Over 18 million bank accounts were opened from August 23 to August 29, 2014.
· This financial inclusion scheme was launched by Prime Minister Narendra Modi on August 28, 2014 to ensure access to financial services such as banking, savings and deposit accounts, remittance, credit, insurance, and pension in an affordable manner.
Key Features:
1. Zero-Balance Accounts: PMJDY accounts can be opened with zero balance. However, if the account-holder wishes to get a cheque book, they must fulfill minimum balance criteria.
2. Interest on Deposits: Accounts under PMJDY offer interest on deposits.
3. Accidental Insurance Cover: Every account holder is provided with an accidental insurance cover of Rs. 1 lakh (increased to Rs. 2 lakh for accounts opened after August 28, 2018).
4. Overdraft Facility: After satisfactory operation of the account for 6 months, an overdraft facility of up to Rs. 10,000 is available, preferably for one account per household.
5. RuPay Debit Card: Issued to PMJDY account holders, which can be used for withdrawing cash at ATMs, making payments at Point of Sale (PoS) terminals, and online purchases.