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PM Jan Dhan Yojana: Know its benefits, apply process, eligibility, other key details

PM Jan Dhan Yojana: The Modi administration introduced the PM Jan Dhan Yojana in 2014 to provide access to the financial system for those living in distant locations. The programme has numerous advantages, one of which is having access to banking services.

Any bank branch or Business Correspondent outlet will let an Indian person open a basic savings bank deposit account under the plan if they do not already have any other accounts. According to pooled data, the Pradhan Mantri Jan Dhan Yojana has resulted in the opening of almost 47 crore accounts (PMJDY).

The government would give Jan Dhan account owners 10,000 rupees. There are other more benefits, including the availability of insurance up to Rs 1 lakh 30 000. Discover these programmes as soon as possible, then apply for 10,000 rupees.

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Jan Dhan Yojana Benefits

The account holder does not need to keep a minimum balance in their account, which is the first benefit.

You are given a Rupay debit card, and if you would like, you can ask the bank for an overdraft of Rs 10,000 on this account. You must speak with your bank branch about this.

The family of the account holder will receive Rs. 1 lakh in insurance benefits in the event of an accident fatality. On the other side, a cover sum of Rs 30,000 is provided if death occurs under regular circumstances.

The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), and Micro Units Development and Refinance Agency Bank (MUDRA) schemes are all available to PM Jan Dhan Yojana accounts.

How to apply

Anyone who wants to apply can get application form on the official website of any bank. Individual above the age of 10 years can open saving account in bank. You can get more information on official site of PMJDY – https://www.pmjdy.gov.in/account

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Documents needed

  • PAN card
  • Aadhar card
  • Voter Id
  • Driving Licence
  • Passport
  • NREGA issued a job card signed by a Gazetted officer
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