Jan-Dhan Se Jan Suraksha

It was good enough for provision of the following facilities to the poor by Modi Government.

Pradhan Mantri Suraksha Bima Yojana (PMSBY –  for Accidental Death Insurance) 

Pradhan Mantri Jeevan Jyoti Bima Yojana  (PMJJBY – For Life Insurance Cover)

Atal Pension Yojna (APY)

But apparently to my pragmatic experience concerns, neither the Banks nor Government Bodies could able to furnish the complete details of the program. I wonder why such laxness though the benefits realizations are high to people. 

Uncertainties like, 

• Is it some kind of negligence caused due to low premiums paid?
• Irresponsible in implementing such at Ground Level? (Common Issue)
• Was this necessitating extra duty hours to Banks? (On the example of Pradhan Mantri Jan Dhan Yojana where negligence in Issuing pass books, ATM cards, Other Grievances were high as if it intended merely to make people to open bank accounts and yes, the program went was successful only on that note)

I request MP's, MLA', Bureaucrats and all others pertaining to this program to maximize their responsibilities by minimizing their roles confinement to take up these plans, benefits, and address these issues to the possible extent.