When we talk about the Pradhan Mantri Jan Dhan Yojana, Everyone knows that The main goal of the Scheme is to providing a bank account to all citizens. Under the PMJDY scheme, people can save the money on small parts. they can be opening a Jan Dhan Account for some less money.
Everyone can Jan Dhan Account Online Opening. The Government is aiming to provide a different banking & insurance services through the Jan Dhan Account.
Pradhan Mantri Jan Dhan Yojana(What Is PMJDY?)
Jan Dhan Yojana is mainly targetting those people who have a low-income statement & low savings. people can use the new technology with less expense. Pradhan Mantri Jan Dhan Yojana is the national mission which is helping our country to make financially independent. Every Family’s one member should have a Jan Dhan account.
The government is providing a Rupay Debit Card to the person who has opened a Jan Dhan Bank Account. Even this scheme is providing an Accident insurance of 1 Lakh Rs.
The Jan Dhan Account holder is getting a direct benefit of any government scheme linking with a bank account. That means every citizen getting a direct benefit of the governmental scheme through their account.
Required Document for Jan Dhan Account
You need an Identity proof & Passport size photocopy for the Jan Dhan Account Opening.
2. Driving licence
3. PAN Card
4. Election Card
5. Job Card
6. Adhaar Card
7. Any Identity Card published by central government
Pradhan Mantri Jan Dhan Yojana Benefits
1. Interest Rate
The Bank is giving an Interest on the money which is deposited to the Jan Dhan Account.
2. Provide Accident Insurance
The Government providing an accident insurance of 1 lakh Rs. to the bank account holder. But has you deposited a money to the account on regular basis then after you can claim for Accident Insurance.
3. Minimum Balance is not required
If you hold the Jan Dhan bank account then you need not maintain a minimum balance. the Jan Dhan account is running at zero balance. Even, you can open an account without money.
4. Life Insurance
You also get the Life insurance under the PMJDY scheme. This life insurance’ amount is 30,00 Rs.
5. Easily Money Transfer
You can easily transfer the money from one place to another the Jan Dhan account.
6. Direct benefit of the Government Scheme
You can easily get the Benefit of a governmental scheme through the Jan Dhan Account.
7. Pension Scheme
You can easily apply through this bank account for Insurance scheme & pension schemes.
8. Overdraft Service
You can also apply for overdraft services. you need to complete one condition i.e. you are transacting with the bank till 6 months regular. you can get the 5000 Rs. as an overdraft.
Eligibility Criteria for PMJDY
If You have Indian citizenship you can apply for Pradhan Mantri Jan Dhan Yojana.
If Anyone who is 10 years old or more than 10 years can apply for the PMJDY but the 10 years old person needs a guardian & parents to manage the Bank Account.
If anyone has not any identity proof then the bank is qualified him/her in a list of lower risky. they can apply for the Jan Dhan account.
How to Apply for the Pradhan Mantri Jan Dhan Yojana?
It is easy to apply for zero balance bank account for Pradhan Mantri Jan Dhan Yojana. just like apply for a Bank Account. fill the Application form & Submit it.
Perhaps, there are some don’t go to the bank but it is also very easy for them.
First, Go to the Nearest Bank to your location. Get the Jan Dhan Yojana Account Opening Form Here & Fill the form.
Maybe, someone is filling trouble to fill the form.
Then there is also a solution for those.
If you have any problem to fill a form then you find the Bank Mitra who is helping you to fill the details on the form.
After That, you need to submit the Application proof with some identity proof, two passport size photos as per bank KYC norms.
Now your bank account is opened then you can get the Account Passbook in two to three days.
You get the Rupay Debit Card after 15 days through a post.
The government is not set a Jan Dhan Yojana bank account opening last date.
Jan Dhan Account Banks List
If you want to Online apply for the Jan Dhan Account through the different Bank. than Here, I get you List of Jan Dhan Account Bank.
|Allahabad Bank||Central Bank Of India|
|Andhra Bank||Corporation Bank|
|Bank Of Baroda||Dena Bank|
|Bank Of India||IDBI Bank|
|Bank Of Maharashtra||Indian Bank|
|Bhartiya Mahila Bank||Oriental Bank of Commerce|
|Canara Bank||Punjab National Bank|
|Punjab & Sind Bank||State Bank Of India|
|Syndicate Bank||Union Bank Of India|
|Axis Bank||Dhanlaxmi Bank|
|Federal Bank||HDFC Bank|
|ICICI Bank||IndusInd Bank|
|Karnataka Bank||Kotak Mahindra Bank|