Bharat has lost a Ratna: PM Modi writes on APJ Abdul Kalam's death

Published By : Admin | July 28, 2015 | 20:12 IST

BHARAT has lost a Ratna, but the light from this jewel will guide us towards APJ Abdul Kalam's dream-destination: India as a knowledge superpower, in the first rank of nations. Our scientist-President - and one who was genuinely loved and admired across the masses - never measured success by material possessions. For him, the counterpoint to poverty was the wealth of knowledge, in both its scientific and spiritual manifestations. As a hero of our defence programme, he shifted horizons; and as a seer of the spirit, he sought to liberate doctrine from the narrow confines of partisan tension to the transcendental space of harmony.

Every great life is a prism, and we bathe in those rays that find their way to us. His profound idealism was secure because it rested on a foundation of realism. Every child of deprivation is a realist. Poverty does not encourage illusions.  Poverty is a terrible inheritance; a child can be defeated even before he or she has begun to dream. But Kalamji refused to be defeated by circumstances. As a boy, he had to support his studies by earning money as a newspaper vendor; today, page after page of the same newspapers are filled with his obituary notices. He said that he would not be presumptuous enough to say that his life could be a role model for anybody; but if some poor child living in an obscure and underprivileged social setting found some solace in the way his destiny had been shaped, it could perhaps help such children liberate themselves from the bondage of illusory backwardness and helplessness. He is my marg darshak, as well as that of every such child.

His character, commitment and inspirational vision shine through his life. He was unencumbered by ego; flattery left him cold. He was equally at ease before an audience of suave, globe-trotting ministers and a class of young students. The first thing that struck one about him was that, uniquely, he combined the honesty of a child with the energy of a teenager and the maturity of an adult. He took little from the world, and gave all he could to society. A man of deep faith, he epitomised the three great virtues of our civilization: dama, self-restraint; dana, sacrifice; and daya, compassion.

But this persona was powered by the fire of endeavour. His vision for the nation was anchored in freedom, development and strength. Given our history, freedom had a political context of course; but it also included freedom of the mind and expansion of intellectual space. He wanted India to leap out of the under-developed trough, and eliminate the curse of poverty through inclusive economic growth. Wisely, he suggested that politicians spend only 30% of their time on politics, and 70% on development; a suggestion which he often followed up by calling in MPs from a state and discussing the socio-economic issues of their region with them. The third pillar, strength, was not born of aggression, but of understanding. An insecure nation will rarely discover the route to prosperity.  Strength commands respect. His contributions in our nuclear and space achievements have given India the muscle to be confident of her place in the region and the world.

His memory is best honoured by the creation of new institutions that nurture science and technology, and enable us to find a beneficial equation with the awesome power of nature. Too often, greed makes us predators of our environment. Kalamji saw poetry in a tree, and energy that could be harnessed in water, wind and sun. We should learn to look at our world through his eyes, and with the same missionary zeal.

Human beings can shape their lives through will, persistence, ability and sheer courage. But we have not been given the right to script where we are born, or how and when we die. However, if Kalamji had been offered an option, this is how he would perhaps have chosen to say goodbye: on his feet, and in front of a classroom of his beloved students. As a bachelor, he was childless. But that is wrong. He was a father to every Indian child, teaching, cajoling, urging, exciting, clearing darkness wherever he found it with the radiance of his vision and the passion of his involvement. He saw the future, and showed the way. As I entered the room where his body lay in state, I noticed the painting at the entrance that depicted a few lines from an inspirational book he wrote for children, Ignited Minds. The good that he did will not be interred with his bones, because his children will preserve his memory through their lives and work, and gift it to their children.

 

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A decade of financial inclusion - the PM Jan Dhan Yojana
August 28, 2024

Today marks a decade since the Pradhan Mantri Jan Dhan Yojana was launched. For me, this initiative was more than just a policy - it was an endeavour to build an India where each and every citizen, irrespective of one’s economic background, has access to the formal banking apparatus.

Many of you, especially the youth, would be thinking- why does this matter so much? After all, in this age, having a bank account would be very basic and even taken for granted. However, when we assumed office in 2014, the situation was very different. It was almost 65 years since Independence, but access to banking was a distant dream for almost half of our households. Theirs was a world where savings were kept at home, vulnerable to loss and theft. Access to credit was often at the mercy of predatory lenders. The absence of financial security held back so many dreams.

This problem becomes even more ironical considering the fact that four and a half decades ago, banks were nationalised by the then (Congress) Government and that too in the name of the poor! Yet, the poor never got access to banking.

When the Jan Dhan Yojana was rolled out, I remember the scepticism that surrounded it too. Some people asked- could it really be possible to bring such a large number of people into the banking system? Will this effort lead to any concrete changes? Yes. The scale of the challenge was enormous, but so was the determination of the people of India to ensure it becomes a reality.

The success of the Jan Dhan Yojana has two parts to it. One is in the numbers:

Today, over 53 crore people who never imagined they would enter a bank have bank accounts.

These accounts have a deposit balance of over Rs. 2.3 lakh crore.

Over 65% of the accounts are either in rural or semi-urban areas, thus taking the movement of financial inclusion outside the metros.

Direct transfers worth almost Rs. 39 lakh crore have taken place.

But, the second part goes beyond the impressive numbers.

Jan Dhan Yojana has proven to be game-changing as far as women's empowerment is concerned. Almost 30 crore women have been brought into the banking system.

Likewise, the benefits of the scheme and the other benefits that come thanks to a bank account have positively impacted crores of SC, ST and OBC families. They have also benefitted those families who belong to the middle and Neo-middle classes. Had it not been for the Jan Dhan Yojana, the MUDRA Yojana, or the social security schemes of the Government, namely the Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana and the Atal Pension Yojana would never have been as impactful.

Jan Dhan also became a vital pillar of the JAM Trinity- Jan Dhan, Aadhaar and Mobile. The landmark contribution of this trinity was to eliminate the scourge of middlemen and touts who, for decades, thrived in public loot. It is this trinity that ensured a stunning digital payments revolution in India, especially in the middle and later years of the last decade. The very same elements who doubted the relevance of a scheme like Jan Dhan were yet again mocking the need for digital payments in a nation like ours. But, once again, they underestimated the collective resolve of our people. India’s digital payments success story is noted world over. Over 40% of real time digital payments in the world happen in India!

A bank account has ensured hassle-free and direct transfer in almost all the government's flagship schemes, be it Ayushman Bharat, PM-Kisan for farmers, PM SVANidhi for street vendors and more. I am also reminded of the years of 2020 and 2021, when the once in a lifetime COVID-19 pandemic was at its peak. Had it not been for banking inclusion, the subsidies would not have been able to reach the intended beneficiaries.

The life journeys of those who benefitted due to this scheme are very touching and inspiring. PM Jan Dhan Yojana personifies dignity, empowerment and the opportunity to participate in the economic life of the nation. The foundations laid by this scheme are strong, but we have even more work to do! We will continue to build on this success to build a Viksit Bharat.

Today is also the occasion to congratulate each and every beneficiary of this scheme and laud the efforts of the countless banking staff who made financial inclusion their mission and ensured a better life for their fellow Indians!