Touted as one of the biggest bank deposit mobilization schemes in recent times, what is Pradhan Mantri Jan Dhan Yojna? Nothing. Yes, its just a Prime Minister asking banks to do their jobs, which is all being camouflaged in a PR stunt. Banks in India are notorious for their anti customer behaviour especially if they have less money. Such people are just wasting their time. They are not valuable clients with promises of good diwali gifts. In 1970s all banks in India were nationalised by government for reasons best known to people of those times. But one of the reasons of course was to make banks work for politicians and big businesses. Banks did as masters in Delhi told them and this culture still remains. Customer service is least of priority of any bank. So if they did have some soft corner for their customers, it would have been easy for people to open bank accounts. And we wouldn't have a Prime Minister, lending the title of his post to a scheme to increase bank accounts.