Pradhan Mantri Jan-Dhan Yojana 2026: (PMJDY) Is National Mission For Financial Inclusion To Ensure Access To Financial Services, Namely, A Basic Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension In An Affordable Manner. Under The Scheme, A Basic Savings Bank Deposit (bsbd) Account Can Be Opened In Any Bank Branch Or Business Correspondent (Bank Mitra) Outlet, By Persons Not Having Any Other Account. Official Website @pmjdy.gov.in.
Pradhan Mantri Jan-Dhan Yojana 2026: Overview
- Name Of The Scheme : Pradhan Mantri Jan Dhan Yojana
- Launched By : Prime Minister Narendra Modi
- Launch Date : 15 August 2024
- Article Type : Government Scheme
- Yojana Status : Active
- Payment Process : Online
- Name Of Department : Ministry Of Finance
- Benefits Amount : An Overdraft (O d) Facility Up To Rs. 10,000 To Eligible Account Holders Is Available
- Apply Mode : Offline & Online Apply Process
- Official Website : Pmjdy.gov.in
Benefits & Features Of Pm Jan Dhan Yojana
- Zero Balance Account – No Need To Maintain Any Minimum Balance.
- Free Rupay Debit Card – Provided To Every Account Holder.
- Accidental Insurance Cover – ₹2,00,000 For Accounts Opened After 28.08.2018.
- Overdraft Facility – Up To ₹10,000 Available (after 6 Months Of Satisfactory Operation).
- Life Insurance Cover – ₹30,000 In Case Of The Account Holder’s Death.
- Direct Benefit Transfer (DBT) – Government Subsidies And Welfare Scheme Benefits Are Directly Credited To Jan Dhan Accounts.
- Monthly Interest On Deposits – Earn Interest On Your Balance Amount.
Eligibility For Pradhan Mantri Jan Dhan Account
- The Pradhan Mantri Jan Dhan Yojana (pmjdy) Is Open To Almost Every Indian Citizen. The Eligibility Rules Are Simple So That People From All Income Groups, Especially The Poor And Unbanked, Can Easily Open A Bank Account.
Documents Required
- Aadhaar Card (Mandatory For Verification)
- Pan Card
- Any One Valid Id Proof – Voter Id, Passport, Driving License
- Nrega Job Card (if Other Ids Are Not Available, Must Be Verified By A Govt. Officer)
- Mobile Number
- Two Recent Passport-Size Photographs
How To Open Pm Jan Dhan Account Online
Step 1: Visit The Official Website
- Go To The Official Pmjdy Portal Using Your Mobile, Laptop, Or Computer.
Step 2: Download Application Form
- On The Homepage, Select The “e-Documents” Option.
- Download The Pmjdy Account Opening Form (available In Hindi & English).
Step 3: Fill In The Application Form
- Enter All Required Details Such As Name, Address, Date Of Birth, Occupation, Income, And Family Details.
- Paste Your Passport-Size Photo On The Form.
Step 4: Attach Required Documents
- Attach Photocopies Of Your Aadhaar, Pan, And Other Id Proofs.
Step 5: Submit To Bank
- Submit The Filled Application Form Along With Documents At Your Nearest Bank Branch.
- After Verification, Your Jan Dhan Bank Account Will Be Activated.
How To Open Jan Dhan Account Offline (2026)
- Visit Your Nearest Bank Branch With All Required Documents.
- Collect The Pmjdy Account Opening Form From The Bank.
- Fill In The Form In Hindi Or English (as Per Your Preference).
- Attach all Necessary Documents And Photographs.
- Sign Wherever Required And Submit The Form To The Bank Staff.
- Once Verified, Your Zero Balance Jan Dhan Account Will Be Opened.
- Attach All Necessary Documents And Photographs.
- Sign Wherever Required And Submit The Form To The Bank Staff.
- Once Verified, Your Zero Balance Jan Dhan Account Will Be Opened.
About PMJDY
- Pradhan Mantri Jan Dhan Yojana (pmjdy) Was Launched In August 2014 As A Step Towards Overall Financial Inclusion. The Objective Was To Ensure That Every Individual/family Should Have At Least One Bank Account. This Would Give Every Citizen Access To Not Just Banking Facilities, But Also To Various Financial Subsidies Passed By The Government. If You Are Interested In Opening A Pmjdy Account, Here Is Everything You Need To Know.
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