Citing empirical research, the report said PMJDY accounts work as a primary vehicle for labour remittances, apart from increased lending, smoothing consumption, increased spending on healthcare and, most importantly, the usage is more frequent in areas that are more crime prone.source https://economictimes.indiatimes.com/industry/banking/finance/banking/jan-dhan-accounts-rise-60-amid-pandemic-help-stifle-crime-sbi-research/articleshow/78904983.cms
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