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Jan Dhan Yojana: Open PMDJY Account and Get Benefits of Up To Rs 1.30 Lakh

Pradhan Mantri Jan Dhan Yojana is one of the centrally run schemes of the government. Under this scheme, the account of every citizen is opened on zero balance. Poor people have benefited the most from this scheme. It is a 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.

Sugandh Bhatnagar
PM Jan Dhan Beneficiary
PM Jan Dhan Beneficiary

Pradhan Mantri Jan Dhan Yojana is one of the centrally run schemes of the government. Under this scheme, the account of every citizen is opened on zero balance. Poor people have benefited the most from this scheme. It is a 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. 

The best part is that there is no limit on the minimum balance to be maintained in the Jan Dhan account. Even if there is zero rupees in the account, there is nothing to worry about. This account can be opened in banks, post offices and nationalized banks.  

Get benefits worth Rs 1.30 Lakh Through Jan Dhan Yojana 

If a person gets a bank account opened under this scheme, then he gets free insurance of Rs 1.30 lakh. This includes death insurance of Rs 1 lakh and general insurance of Rs 30 thousand. If unfortunately there is an accident with the account holder, then he will be given 30 thousand rupees under Jan Dhan Yojana. If the person dies due to any reason then his family members will get Rs 1 lakh. 

How to Open Account under Jan Dhan Yojana? 

Any Indian citizen who is more than 10 years of age can open an account under this scheme. If you also want to open your Jan Dhan account, then you have to go to your nearest bank, a form will be given there. In that form, you have to fill your name, mobile number, name of bank branch, business, nominee, annual income, your full address. After verification, your Jan Dhan account will be opened. 

Documents Required for Opening Jan Dhan Account: 

Identity Card (Aadhaar Card, Voter ID Card, Driving License, PAN Card, Passport Card, NREGA Job Card) Any one of these in which the name and address of the applicant is written. 

Benefits of PM Jan Dhan Yojana: 

  • Overdraft facility is available after 6 months of account opening.

  • Life cover insurance of Rs 30,000 is available.

  • Accident insurance up to Rs 1 lakh is available.

  • If you make a fixed deposit through the account, then interest is also available on it.

  • Mobile banking facility is available for free.

  • RuPayDebit Card facility which makes withdrawing money and shopping easy. 

  • Getting insurance becomes easy.

  • The monetary benefits of  ofall government schemes gets directly into the account. 

  • Facility to withdraw money from any corner of the country.

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