Seeing the half hearted response  in the by elections towards BJP NAMO has realized unless you have mass impact popular prgm. people do not take notice. so he packaged JANDHAN Scheme, which is not a subsidy centric or unproductive scheme like Food security or MNREGA, it has been operated through pure banking and insurance business, but only difference is that this program was to be earlier implemented till next 14 Aug, but now it has to be completed by next 26 Jan and 7.5 crore new account would be opened up in a mission mode.Political agenda is also here, he has to give message in the upcoming 3 Vidhan sabha elections.