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Pradhan Mantri Jan Dhan Yojana (PMJDY), PMJDY Eligiblity Details Benefits, Pradhan Mantri Jan Dhan Yojana (PMJDY) Forms, How to download the PMJDY form,Indian Government schemes

Pradhan Mantri Jan Dhan Yojana (PMJDY), PMJDY Eligiblity Details Benefits, Pradhan Mantri Jan Dhan Yojana (PMJDY) Forms, How to download the PMJDY form,Indian Government schemes 

WHAT IS PRADHAN MANTRI JAN-DHAN YOJANA?


PMJDY is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/Savings & Deposit Accounts, Remittance, Credit, Insurance and Pension in an affordable manner.

WHERE CAN I OPEN AN ACCOUNT UNDER THIS SCHEME?


Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet.

What documents are required?


 

  1. If Aadhaar Card/Aadhaar Number is available then no other documents is required. If address has changed, then a self certification of current address is sufficient.
  2. If Aadhaar Card is not available, then any one of the following Officially Valid Documents (OVD) is required: Voter ID Card, Driving License, PAN Card, Passport & NREGA Card. If these documents also contain your address, it can serve both as "Proof of Identity and Address".
  3. If a person does not have any of the "officially valid documents" mentioned above, but it is categorized as 'low risk' by the banks, then he/she can open a bank account by submitting any one of the following documents:
  4. Identity Card with applicant's photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks and Public Financial Institutions;
  5. Letter issued by a gazette officer, with a duly attested photograph of the person.

What are the direct/special benefits?


Special benefits attached to the scheme are:

  1. Interest on deposit
  2. Accidental insurance cover of Rs.1.00 lac
  3. No minimum balance required. However, for withdrawal of money from any ATM with Rupay Card, some balance is advised to be kept in account.
  4. Life insurance cover of Rs.30,000/-
  5. Easy Transfer of money across India
  6. Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.
  7. After satisfactory operation of the account for 6 months, an overdraft facility will be permitted
  8. Access to Pension, insurance products
  9. Accidental Insurance Cover, RuPay Debit Card must be used at least once in 45 days.
  10. Overdraft facility up to Rs.5000/- is available in only one account per household, preferably lady of the household.

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