Pradhan Mantri Jan Dhan Yojana

**Pradhan Mantri Jan Dhan Yojana (PMJDY)** is a National Mission for Financial Inclusion to ensure access to financial services, namely, banking, savings & deposit accounts, remittance, credit, insurance, pension in an affordable manner. **Key Objectives**: - Universal access to banking facilities - Financial literacy - Access to credit, insurance and pension facilities - Creation of awareness about financial products

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Steps to Apply

1Visit nearest bank branch
2Fill account opening form
3Submit KYC documents
4Receive RuPay debit card
5Start banking services

Eligibility

Any Indian citizen above 10 years
Zero balance facility
No minimum balance required
One account per household

Benefits

Zero balance savings account
RuPay debit card with insurance
Accident insurance cover
Overdraft facility
Direct Benefit Transfer channel

Requirements

Identity proof
Address proof
Recent photograph
Mobile number
Aadhaar card (preferred)

Frequently Asked Questions

Is there any minimum balance requirement?

No, PMJDY accounts can be opened with zero balance.

What insurance benefits are provided?

Account holders get accidental insurance cover of ₹2 lakhs and life insurance of ₹30,000.

Disclaimer

The information provided here is based on publicly available resources. We strive to keep it up to date, but it is always advisable to consult official documentation or contact the relevant authorities to verify the details before making any decisions or taking action.

We are not liable for any discrepancies, damages, or consequences that may arise from the use of this information. Additionally, we do not take responsibility for any SMSD (Short Message Service Delivery) issues or related concerns that may arise from our services.

More About This Scheme

PMJDY has been a game-changer in promoting financial inclusion and providing banking services to the unbanked population of India.