Pradhan Mantri Jan-Dhan Yojana 2024: Pradhan Mantri Jan-Dhan Yojana (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.
Pradhan Mantri Jan-Dhan Yojana 2024: Overview
• Name of the scheme : Pradhan Mantri Jan Dhan Yojana
• Where to take profit : Avail benefits all over India
• Application Process : Offline
• Article type : Government scheme
• Payment Process : Online
• Name of Department : Ministry of Finance
• Benefits Amount : An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available
• Official Website : pmjdy.gov.in
Pradhan Mantri Jan-Dhan Yojana 2024 Benefits
• One basic savings bank account is opened for unbanked person.
• There is no requirement to maintain any minimum balance in PMJDY accounts.
• Interest is earned on the deposit in PMJDY accounts.
• Rupay Debit card is provided to PMJDY account holder.
Accident Insurance Cover of Rs.1 lakh (enhanced to Rs. 2 lakh to new PMJDY accounts opened after 28.8.2018) is available with RuPay card issued to the PMJDY account holders.
• An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available.
• PMJDY accounts are eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), Micro Units Development & Refinance Agency Bank (MUDRA) scheme.
Document List
Pradhan mantri jan dhan yojana 2024 requirement of document list below.
If Aadhaar card then no other document is required.
• If Aadhaar Card is not available then Government approved document like Election Card, Pan Card, Election Card, Driving License, Passport, NREGA Card.
• If an applicant does not have any of the above documents.. they are included in the “low risk” category by the bank. Who can open a bank account by presenting the following proofs.
(a) Applicant’s Photo Identity Card issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks and Public Financial Institutions;
(b) Letter issued by a Gazetted Officer with a duly attested photograph of the said person.
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