Pradhan Mantri Jan Dhan Yojana:was launched on 15 August 2014 to provide free banking facility to rural farmers. Which was fully implemented on 28 August 2014. Under the scheme, new account holders are given the benefit of Rs 10,000 overdraft facility, Rs 2 lakh accident insurance with Rs 2 lakh debit card, reasonable interest on deposits and other government schemes.
The main objective of this scheme is to provide services to families deprived of banking facilities. So that every citizen of the country can get the benefit of financial services. Account opening under Pradhan Mantri Jan Dhan Yojana is free. If you want to know how to get benefits of Pradhan Mantri Jan Dhan Yojana? So in this article we will tell you PMJDY Scheme Details in detail.
Plan overview
Name Pradhan Mantri Jan Dhan Yojana 2024
Release date 15 August 2014
Who initiated by Prime Minister Narendra Modi
Benefit under the scheme is 10 thousand rupees, ATM card, insurance of 2 lakhs etc.
The objective is to connect people with banking services and provide them with financial assistance.
Official portal pmjdy.gov.in
What is Pradhan Mantri Jan Dhan Yojana?
Pradhan Mantri Jan Dhan Yojana is a welfare scheme for families deprived of banking services. Which was started in 2014 by the Prime Minister of the country Shri Narendra Modi. Its main objective is to help the financial inclusion of every citizen of India. It is specially designed for the poor people of rural areas. So far, 51.04 crore accounts have been opened under this scheme. 2.08 lakh crore rupees are deposited in these accounts. It is a way of providing banking services to the poor class of people.
Key features of Pradhan Mantri Jan Dhan Yojana are:
- Zero balance account
- RuPay Debit Card
- Accident insurance cover of Rs.2 lakh
- Direct benefit of government benefits
- Overdraft facility up to Rs.10,000
What are the benefits of Pradhan Mantri Jan Dhan Yojana?
- It gives them access to banking services. This improves their standard of living. Benefits under Pradhan Mantri Jan Dhan Yojana Savings Account are as follows.
- Under the Jan Dhan Yojana, an overdraft facility of up to Rs 10,000 is available on opening a new account.
- Account holders are also given instant debit card (ATM card) and passbook.
- It also provides benefits of government subsidies and welfare schemes directly into bank accounts.
- Holders get a good interest rate on balance deposits.
- Accident insurance cover up to Rs 2,00,000 and life insurance cover are also provided to the consumer.
- No application fee is charged for opening a Jan Dhan Yojana account.
Eligibility and conditions for opening Jan Dhan account
You have to follow all these eligibility and instructions to avail the benefits of the scheme.
- It is mandatory to be a permanent citizen of India.
- Minimum 18 to maximum 65 years of age is eligible.
- Should not be an employee in any government department.
- The account should not have been previously opened under any Savings Account Scheme.
Who can open Jan Dhan Account?
Under Jan Dhan Yojana, any Indian citizen can open an account. This scheme is meant to economically empower the deprived and weaker sections. Whether you are poor or rich, you can avail this scheme. There is no minimum balance or documentation required. All you need is an identity proof like Aadhaar card or PAN card.
The account opening process is very simple. You can complete this by visiting a bank or business correspondent outlet. And can get all the facilities available through Pradhan Mantri Jan Dhan Yojana.
What are the documents required to open a Jan Dhan Account?
- Aadhaar Card
- mobile no
- address proof
- PAN card
- Passport size photograph
What is the minimum amount required to open a Pradhan Mantri Jan Dhan Yojana account?
There is no minimum amount or documents required to open Apna Jan Dhan Account. You just need to be an eligible Indian citizen. And needy too because this scheme is launched with the aim of economically empowering the people of deprived and weaker sections.
Account opening process under Pradhan Mantri Jan Dhan Yojana
Opening an account under Pradhan Mantri Jan Dhan Yojana is very easy. Just follow the steps given below.
- You have to first visit the nearest bank branch or business correspondent outlet.
- Get the Pradhan Mantri Jan Dhan Khata Yojana form from there or download it from the link given bel
- In this application form, enter all necessary information like branch name, village/city, district, state, ward number, annual income, mobile number, address carefully.
- After this, mandatory documents like Aadhaar Card, PAN Card, a passport size photograph have to be attached along with the form.
- After this, submit the form to the bank officer and during this your eligibility to open the account will be checked by the bank officer in the presence of the applicant, and finally submitted online.
- After this, you must avail all the facilities and benefits offered through the scheme from time to time.
In this way, you can easily open a Jan Dhan account. It has many benefits.
How to check Jan Dhan account balance?
Balance of accounts opened under Pradhan Mantri Jan Dhan Yojana can be easily checked. We can use several methods to get information about the amount in the Jan Dhan account.
- The first and easiest way is that we can go to our bank branch and check our account balance. Bank staff will provide our account balance.
- Another way is that we can check our account balance from an ATM using our RuPay Debit Card. This option is very convenient, especially when we do not have a bank branch.
- Apart from this, we can also check our Jan Dhan account balance through the bank's mobile app or internet banking. These digital mediums help us to check our account balance anytime and anywhere.
By using all these options we can easily get information about the amount present in Jan Dhan account. Apart from this, how to check Jan Dhan account balance, how to check Jan Dhan account balance and how to check money in Jan Dhan account
Jan Dhan khate se loan kaise metla hai?
Under the Pradhan Mantri Jan Dhan Yojana, account holders can avail an overdraft of up to Rs 10,000. This facility is subject to certain conditions.
- Account should be at least 6 months old.
- Regular transactions and age of 18-65 years are also required.
To get an overdraft, you have to fill an application form at the bank branch. Necessary documents also have to be submitted. After checking your eligibility, the bank will deposit the amount in your account
conclusion
Today we have told about Pradhan Mantri Jan Dhan Yojana that what are the benefits of PMJDy?. It plays an important role in promoting financial inclusion. This scheme helps economically weaker sections to connect with formal banking services. This scheme has helped in opening bank accounts. It provides many facilities like withdrawal facilities, loan availment, insurance coverage and pension subsidy.
Apart from this if you want to know in the future what are the plans of the Prime Minister? So you can get this information from our website. thank you
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