Sarkari Yojana
Pradhan Mantri Jan Dhan Yojana
About Pradhan Mantri Jan Dhan Yojana
Launched nationwide in August 2014 by the Prime Minister as the National Mission for Financial Inclusion (NMFI), Pradhan Mantri Jan Dhan Yojana (PMJDY) set out to bring every citizen into the financial fold. It delivers universal banking to every unbanked household, built on the ideas of banking the unbanked, securing the unsecured, funding the unfunded, and reaching underserved areas. To keep pushing financial inclusion, PMJDY was extended beyond 14.08.2018, shifting its focus from “every household” to “every unbanked adult”. The scheme has since been made more attractive, with (i) the OD limit raised from Rs. 5,000/- to Rs. 10,000/-, and (ii) accidental insurance cover on RuPay cards raised from Rs. 1 lakh to Rs. 2 lakhs. PMJDY has succeeded in widening banking penetration and financial inclusion across the country, giving weaker and low-income sections access to basic savings accounts, need-based credit, remittance facilities, insurance, and pensions.
Scheme Overview
Central Government
Ministry Of Finance
Banks
Individual
28 Aug 2014
Scheme Details
Eligibility Requirements
To qualify for Pradhan Mantri Jan Dhan Yojana, applicants must satisfy the following conditions:
Applicants must be Indian nationals
Applicants must be Indian nationals.
Minors above ten years applying need support from…
Minors above ten years applying need support from a legal guardian to operate their PMJDY account.
Benefits Provided
Pradhan Mantri Jan Dhan Yojana provides the following benefits to eligible applicants:
Basic Savings Bank Deposit Account (BSBDA)
Any Indian citizen who qualifies for a regular bank account can open a BSBDA, which needs no minimum balance. Account holders can use bank branches, ATMs, and Banking Correspondents (BCs) to deposit or withdraw cash, though withdrawals are capped at four per month. Small Account/Chota Khata Jan Dhan Yojana lets people open small bank accounts without producing legal documents. These normally stay valid for twelve months, after which they can continue for another twelve if the holder shows they've applied for an Officially Valid Document within that first 12-month window. RuPay Debit Card with inbuilt accident insurance PMJDY issues every beneficiary a free RuPay debit card carrying built-in accident insurance of Rs. 2 lakh (Rs. 1 lakh for accounts opened before 28.08.2018). Overdraft Facility Beneficiaries can draw an overdraft of up to Rs. 10,000/- under PMJDY. Business Correspondents (BCs)/Bank Mitras BCs/Bank Mitras are retail agents banks appoint to deliver banking services away from a branch or ATM, mainly to reach far-flung rural areas. They help residents with savings accounts, deposits, payments, withdrawals, and mini statements, giving customers in remote areas hassle-free access through banks' extensive BC/Bank Mitra networks.
Documents Required
Applicants should keep the following documents ready before starting the application:
Aadhaar
Aadhaar.
Government ID proof (Voter Card/PAN Card/Ration card)
Government ID proof (Voter Card/PAN Card/Ration card).
Permanent address proof (Passport/Driving License/Electricity Bill/Telephone Bill/Water Bill)
Permanent address proof (Passport/Driving License/Electricity Bill/Telephone Bill/Water Bill).
Passport-size photograph
Passport-size photograph.
Completed and signed PMJDY account-opening form
Completed and signed PMJDY account-opening form.
Any other document the Central Government notifies in…
Any other document the Central Government notifies in consultation with the Regulator.
2014-08-28
How to Apply
Offline Application
Applicants can apply for Pradhan Mantri Jan Dhan Yojana through the offline application process outlined below.
Application Portal: Open Application Portal ↗
Application Process
Step 1- Go to the official portal of PMJDY.
Step 2- Under "e-documents", you'll find live links to the "Account Opening Form" in both English and Hindi; select whichever language you prefer.
Step 3- This opens the form as a PDF; download and print it.
Step 4- Fill it in by hand with your bank and personal details — bank branch, town/village name, block/district, Aadhaar number, profession, annual income, Kisan credit card details, and more.
Step 5- Once completed, take it to your nearest bank branch and submit it.
When submitting the form, you'll also need to produce certain documents along with your mobile number or email ID to qualify for Jan Dhan Yojana.
Official Application & Website
Verify the latest eligibility, dates and instructions before applying.