Pradhan Mantri Jan-Dhan Yojana 2023, What is it, Information, How to Open Account, Loan, When to Start, Benefits, Form, Online Application, Registration, ATM Card Apply, Toll Free Number, Eligibility, Documents (Pradhan Mantri Jan Dhan Yojana )
The Government of India regularly launches various schemes for the benefit of its citizens. One such scheme launched on 15th August 2014 is PradhanMantri Jan Dhan Yojana (PMJDY) . This scheme has made a positive impact on the lives of the citizens and in this article we will provide all the details related to PMJDY.
What is Pradhan Mantri Jan Dhan Yojana (PM Jan Dhan Yojana)
PradhanMantri Jan Dhan Yojana (PMJDY) is a scheme launched by the Prime Minister of India in 2014, which aims to provide no-balance bank accounts to the poor citizens of the country through nationalized banks and post offices. These bank accounts are linked to Aadhaar card and come with an accident insurance benefit of Rs 1 lakh.
Pradhan Mantri Jan-Dhan Yojana Objective (PM Jan Dhan Yojana Objective)
PradhanMantri Jan Dhan Yojana ( PMJDY ) aims to ensure that every citizen of India has access to a bank account. The objective of the scheme is to provide zero balance bank accounts to the poor and backward classes so that they can lead a secure and financially stable life. PMJDY aims to promote financial inclusion by providing access to banking services to all individuals in India.
Features of Pradhan Mantri Jan Dhan Yojana ( PM Jan Dhan Yojana Features)
Features of Pradhan Mantri Jan Dhan Yojana (PMJDY) include:
- Basic Banking Services: The objective of this scheme is to open a bank account in every household in the country.
- Accessible Banking Facilities: It covers around 2000 households within a radius of 5 km, providing them with accessible banking facilities.
- Financial Literacy Programme: Beneficiaries are educated about using banking services and policies so that they can avoid any difficulty in operating them.
- RuPay Debit Card: After opening the account, beneficiaries get a RuPay Debit Card, which comes with accidental insurance of ₹2,00,000.
- Pradhan Mantri Suraksha Bima Yojana: Accidental coverage of ₹2,00,000 is provided to the beneficiaries at an annual fee of ₹12.
- Accident Insurance: The scheme also includes an accident insurance benefit of ₹1,00,000 for the beneficiaries.
- Life Insurance: Under the scheme, life insurance of ₹30,000 is provided to the beneficiaries.
Benefits of Pradhan Mantri Jan-Dhan Yojana (PM Jan Dhan Yojana Benefits)
Pradhan Mantri Jan Dhan Yojana (PMJDY) provides comprehensive benefits to citizens, especially the poor and unbanked population. The scheme allows individuals to open bank accounts with zero balance, providing access to basic banking services and financial inclusion. Apart from this, the beneficiaries are given the benefits of accident insurance, loan assistance and various other government welfare schemes through their bank accounts.
Pradhan Mantri Jan Dhan Yojana how many accounts have been opened so far ( How many accounts have been opened)
A large number of accounts have been opened so far in PradhanMantri Jan Dhan Yojana (PMJDY). More than 40 crore accounts have been opened under the scheme, taking the number of beneficiaries to 40.05 crore. Apart from this, a total amount of more than Rs 1.30 lakh crore has been deposited in these accounts. The scheme has also increased the accident insurance coverage from Rs 1 lakh to Rs 2 lakh.
Pradhan Mantri Jan Dhan Yojana Eligibility
To be eligible for Pradhan Mantri Jan-Dhan Yojana (PMJDY), an applicant must fulfill certain criteria:
- The account should be opened for the first time under this scheme.
- Account should be opened between 15 August 2014 to 26 January 2015.
- The applicant should be the head of the family or an earning member of the family.
- The age of the applicant should be between 18 to 59 years.
- Applicant should not be a government servant.
- Tax paying citizens may not be eligible for this scheme.
- Even retired government employees can avail the benefits of this scheme.
PM Jan Dhan Yojana Documents
The following documents are required to apply for PradhanMantri Jan Dhan Yojana (PMJDY):
- Aadhar card
- Address proof (like driving license, utility bill)
- Proof of identity (like PAN card)
- passport size photograph
- mobile no
Pradhan Mantri Jan-Dhan Yojana Official Website (PM Jan Dhan Yojana Official Website)
Pradhan Mantri Jan Dhan Yojana (PMJDY) does not have an official website to open an account as the accounts are opened in participating banks. However, for more details about the scheme, you can visit the official website of Department of Financial Services, Ministry of Finance, Government of India (https://financialservices.gov.in/) or PMJDY website. (https://www.pmjdy.gov.in/) or other Government of India website.
Pradhan Mantri Jan Dhan Yojana Application Form ( PM Jan Dhan Yojana Application Form)
To apply for Pradhan Mantri Jan Dhan Yojana (PMJDY), the application form can be obtained by visiting the nearest participating bank branch. The form can be obtained from the bank staff and filled with the required information and documents.
Pradhan Mantri Jan-Dhan Yojana How to Apply
To apply for PradhanMantri Jan Dhan Yojana (PMJDY) , applicants need to follow these steps:
- Visit the nearest participating bank branch.
- Get PMJDY application form from bank employees.
- Fill the form with required information and attach required documents.
- Submit the filled form to the bank staff.
- Bank staff will process the application and open the account.
How to Check Balance of Pradhan Mantri Jan Dhan Yojana
There are two ways to check Pradhan Mantri Jan Dhan Yojana (PMJDY) account balance:
Online Portal:
- Go to the official website of PMJDY
- Click on ‘Know Your Payment’ option on the homepage.
- Enter account number and bank name and fill captcha code.
- Send OTP to the registered mobile number.
- Enter OTP to check account balance
By missed call
Give a missed call on 1800112211 or 8004253800 (For SBI account holders)
Make sure that the call is made from the same number registered with the account.
Please note that the process may differ depending on the bank and you can always check with the bank where the account is held.
How to take loan on Pradhan Mantri Jan Dhan Khata ( How to take Loan)
To avail loan on Pradhan Mantri Jan Dhan Account, applicants must already have an account open under the PMJDY scheme. The government can provide overdraft between ₹2000 to ₹100,000 depending on the amount deposited in the account. This money can be used to start a business and needs to be repaid. Loans can be obtained from bank branches with easy terms and no collateral is required for loans up to ₹100,000. This loan facility is provided through the bank, not online. Also, applicants can be given loan up to 3 times of the overdraft month’s savings.
How to avail Prime Minister Jan Dhan Account Holder 3000 Pension (Pension Benefit)
Pradhan Mantri Jan Dhan account holders can get pension benefits of ₹ 3000 per month by subscribing to Pradhan Mantri Maandhan Yojana. This scheme is offered by the central government, and only those individuals are eligible who have opened an account under the Pradhan Mantri Jan Dhan Yojana. The eligible age limit is between 18-40 years.
Under this scheme, the applicant will have to pay premium from the age of 60 years, after which he will be given pension every month. The pension amount will be transferred to the savings account of the applicants.
| PMJDY Official Website | Click here |
FAQs
When was PMJDY started?
Answer: 15 August 2014
Amount of Accident Insurance under PMJDY?
Answer: ₹200000
Who is eligible for PMJDY?
Answer: Citizens of India
Is PMJDY for backward class people?
Answer: yes