The Jan Dhan Darshak (JDD) App is a GIS-based mobile application that maps banking touchpoints — bank branches, Business Correspondents (BCs), ATMs and India Post Payments Bank (IPPB) centres — to help citizens locate the nearest financial service outlet.
Basic Details
- Launched: 2018, by the Department of Financial Services (DFS), Ministry of Finance.
- Developed With: National Informatics Centre (NIC).
- Purpose: To crowd-source and maintain a live, searchable map of banking outlets, supporting last-mile financial inclusion planning under the Pradhan Mantri Jan Dhan Yojana (PMJDY).
Key Features
- Crowd-Sourced Mapping: Banks upload and update the location of their branches, BCs and IPPB points directly on the app's GIS platform.
- Public Search Tool: Lets citizens search for the nearest banking touchpoint by village, town or PIN code.
- Policy Input: Government uses aggregated JDD data to identify unserved or under-served villages and to track progress on banking-outlet-coverage targets.
Significance
- Financial Inclusion Tracking: Serves as the authoritative dataset behind milestones such as banking-outlet coverage of India's inhabited villages.
- Last-Mile Planning: Helps banks and the government identify gaps in physical banking access, guiding where new Business Correspondents or branches are needed.