Which of the following are pillars of Pradhan Mantri Jan Dhan Yojana (PMJD

PMJDY is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner. The scheme was launched based upon the following 6 pillars: Universal access to banking services – Branch and BC Statement I is not correct - Basic savings bank accounts with overdraft facility of Rs. 10,000/- to every eligible adult. Financial Literacy Programme– Promoting savings, use of ATMs, getting ready for credit, availing insurance and pensions, using basic mobile phones for banking Statement II is correct - Creation of Credit Guarantee Fund – To provide banks some guarantee against defaults. Statement III is correct - Insurance – Accident cover up to Rs. 1,00,000 and life cover of Rs. 30,000 on account opened between 15 Aug 2014 to 31 January 2015. Statement IV is correct - Pension scheme for Unorganized sector.