Pradhan mantri jan dhan yojna प्रधान मंत्री धन जन योजना का लाभ कैसे उठाएं? पूरी जानकारी मिलेगी यहां।
Pradhan Mantri Jan Dhan Yojana (PMJDY) is an important scheme run by the Government of India aimed at providing financial assistance to poor families. This scheme was launched by Prime Minister Narendra Modi on August 15, 2014, and was implemented across the country from August 28, 2014. Under this scheme, banks were given the target of opening more than 75 million accounts.
What is Pradhan Mantri Jan Dhan Yojana?
Pradhan Mantri Jan Dhan Yojana provides financial assistance to poor families. Under this scheme, women primarily open accounts, allowing them to receive various government benefits directly into their accounts. Account holders do not need to maintain a minimum balance.
Benefits of Jan Dhan Accounts
Low-Interest Loans: Jan Dhan account holders are provided loans by the government at low-interest rates.
Scholarships, Subsidies, and Pensions: Funds are transferred directly to bank accounts via Direct Benefit Transfer (DBT) for scholarships, subsidies, and pensions.
Insurance and Overdraft Facility: The scheme provides insurance coverage of ₹30,000 and an overdraft facility ranging from ₹5,000 to ₹10,000.
Who Can Open a Jan Dhan Account?
Any citizen of India can open an account under the Pradhan Mantri Jan Dhan Yojana. The age requirement is 10 years or older. Required documents include Aadhaar card, voter ID card, driving license, MGNREGA card, passport, and PAN card.
Account Opening Process
Visit the Bank: First, visit your nearest bank branch.
Get the Form: Obtain the form for opening a Jan Dhan account from the bank.
Fill Out the Form: Carefully fill out the form and attach photocopies of the necessary documents.
Submit the Form: Submit the completed form and documents to the bank.
Receive Account Number: The bank will provide you with an account number, allowing you to receive benefits from various schemes.
Required Documents
Aadhaar card
PAN card
Mobile number
Email ID
Passport size photos (4)
Important Information
The Pradhan Mantri Jan Dhan Yojana account is a zero-balance account.
Only Indian residents can benefit from this scheme.
The scheme is available to individuals aged 18 to 65 years, while joint accounts can be opened for children aged 10 years.
Employees of the central and state governments cannot avail the benefits of this scheme.
Pradhan Mantri Jan Dhan Yojana is a significant initiative for the poor, promoting financial inclusion and providing them with financial security. More than 500 million accounts have been opened under this scheme so far, proving its immense benefit to the people.
Locate the nearest bank branch. Both government and private banks participate in the Pradhan Mantri Jan Dhan Yojana (PMJDY).
Step 2
Gather all necessary documents required for the account opening process.
Step 3
Visit the bank branch and request an application form for the Pradhan Mantri Jan Dhan Yojana account. Alternatively, you can download the form from the bank's official website.
Step 4
Fill out the application form with accurate information.
Step 5
Submit the completed application form along with the required documents to the bank official. The bank will verify your documents.
Step 6
If your information is verified, the bank will open your PMJDY account and provide you with the account number, passbook, and a RuPay debit card.
Step 7
Activate your RuPay debit card. You can then use it to withdraw money and make purchases.
Overview of Pradhan Mantri Jan Dhan Yojana (PMJDY)
Scheme Name: Pradhan Mantri Jan Dhan Yojana (PMJDY)
Launch Date: August 28, 2014
Launched By: Prime Minister Narendra Modi
Objective: To provide financial services to those without access to banking
To ensure all citizens have access to banking services.
To allow opening of bank accounts without requiring a minimum balance for the underprivileged.
To offer insurance and pension benefits.
To provide small loans to help meet financial needs.
Features of Pradhan Mantri Jan Dhan Yojana
Basic savings bank accounts are opened for individuals without an existing account.
No minimum balance requirement.
Interest is earned on deposits.
RuPay debit cards are issued to all account holders.
Accident insurance coverage is provided.
Overdraft facility up to ₹10,000 is available.
Accounts are eligible for Direct Benefit Transfer (DBT) from government schemes.
PMJDY account holders can benefit from schemes like Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY).
Scheme Name: Pradhan Mantri Jan Dhan Yojana (PMJDY) Launch Date: August 28, 2014 Launched By: Prime Minister Narendra Modi Objective: To extend financial services to individuals previously excluded from banking services Beneficiaries: Individuals without a bank account Application Process: Through banks Official Website: pmjdy.gov.in
Main Objectives of Pradhan Mantri Jan Dhan Yojana:
Ensure universal access to banking facilities for all citizens.
Enable poor individuals to open bank accounts without any minimum balance requirement.
Provide access to insurance and pension benefits.
Facilitate access to small loans to fulfill financial needs.
Key Features of Pradhan Mantri Jan Dhan Yojana:
Basic savings bank account for individuals without existing accounts.
No minimum balance requirement.
Interest earned on deposited amounts.
RuPay debit card provided to all account holders.
Accident insurance cover included.
Overdraft facility up to ₹10,000 available.
Accounts eligible for Direct Benefit Transfer (DBT) of government scheme benefits.
Access to Pradhan Mantri Jeevan Jyoti Bi ma Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY) benefits for PMJDY account holders.
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