The Government of India formulates various schemes from time to time. Many times the government comes up with such schemes which prove to be very beneficial for the citizens of the country. Today we will talk about one such scheme in this article. This scheme was launched on 15th August 2014 and till now it has brought many benefits to the citizens of the country. This article will give you all the information related to Pradhan Mantri Jan Dhan Yojana (PMJDY) like online Apply, Debit Card, How to open Account, Form, Toll free Number, Documents.

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, a basic savings & deposit accounts, remittance, credit, insurance, pension in an affordable manner.

Pradhan Mantri Dhan Yojana 2023

Pradhan Mantri Jan Dhan Yojana Latest News

An important announcement has been made by Finance Minister Nirmala Sitharaman in Budget 2023 under Pradhan Mantri Jan Dhan Yojana. That is, the KYC process that will now be done to open an account under this scheme will be completed through video call. This will give a boost to KYC. Under this scheme, it has also been announced that now PAN card has been validated in all digital systems of selected government agencies

What is the target of Jan Dhan Yojana?

radhan 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, Pension in an affordable manner. Objectives: Ensure access of financial products & services at an affordable cost.

Features of Pradhan Mantri Jan Dhan Yojana

Basic Banking Facility – Under the scheme, a target was set to open a bank account in every household of the country.
Accessible Banking Facilities – With the help of Pradhan Mantri Jan Dhan Yojana, around 2000 households will be covered up to a radius of 5 kms and they will be given the benefit of accessible banking facilities.
Financial Literacy Program – Beneficiaries will be taught how to use banking facilities and policies to access banking so that they do not face any difficulty in operating banking facilities.
RuPay Debit Card – Beneficiaries will be given a RuPay Debit Card after account opening which will include accidental insurance of ₹2,00,000.
Pradhan Mantri Suraksha Bima Yojana – Under the scheme, the beneficiaries will be given an accidental cover of ₹ 2,00,000 for which they will have to pay only ₹ 12 per year.
Accident Insurance – Accident insurance of ₹1,00,000 will be given to the beneficiaries. Life Insurance- Beneficiaries will be given life insurance of Rs 30,000 under the scheme.

Benefits of PMJDY

The plan envisages universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance and pension facility. In addition, the beneficiaries would get RuPay Debit card having inbuilt accident insurance cover of र 1 lakh.

How many accounts have been opened

So far more than 40 crore bank accounts have been opened through Pradhan Mantri Jan Dhan Yojana. If the figures are to be believed, the number of beneficiaries under the scheme has gone up to 40.05 crore. So far more than Rs 1.30 lakh crore has been deposited in all these bank accounts. Under the scheme, accident insurance has been increased from one lakh to two lakh rupees.

Who is eligible for Jan Dhan Yojana account?

The person should normally be head of the family or an earning member of the family and should be in the age group of 18 to 59 (i.e. person should be at least 18 years old, and should not have turned 60)

What is the minimum balance required for Jan Dhan?

There is no requirement to maintain any minimum balance in PMJDY accounts. Interest is earned on the deposit in PMJDY accounts. Rupay Debit card is provided to PMJDY account holder.

What is Jan Dhan account limit?

A Small Account is ideal for those subscribers who don’t have the relevant documents to open a bank account under the Pradhan Mantri Jan Dhan Yojana scheme. An account holder can deposit a maximum amount of Rs. 50,000 in this account.

PM Jan Dhan Yojana Documents

To avail the benefits of Pradhan Mantri Jan Dhan Yojana, the applicants will need the following documents:

Aadhar card Address proof certificate

driving license Identity proof certificate

PAN card

passport size photo

mobile number

PM Jan Dhan Yojana Application Form

The application form of Prime Minister Jan Dhan Yojana will be available to the applicants by going to their nearest bank. Applicants can visit any of their nearest bank branch and collect the application form from the staff there.

How to apply

Applicants have to go to their nearest bank to apply for Jan Dhan Yojana. After going to the bank, it will be necessary for the applicants to get the Jan Dhan Yojana application form from the employee there.

Once the form is submitted, the application form will be processed by the bank staff and the applicants account will be opened.

Who are covered under PMJDY?

30,000/- under Pradhan Mantri Jan DhanYojana, gives life insurance cover on death of the life assured, due to any reason, to the deceased’s family. The scheme aims to provide security to families from economically weaker sections who cannot afford direct purchase of such insurance.

How to Check Balance

Jan Dhan Yojana bank balance check applicants can do in two ways:

Through Portal

through the portal Follow the steps below to check bank balance through the portal:

Visiting the official website of Pradhan Mantri Jan Dhan Yojana will be the first step of the applicants. Clicking on the official website, applicants will reach the home page of the website Now applicants have to click on the option of ‘Know Your Payment’ on the home page.

After this a new page will open on the screen of the applicants. On the new page applicants will have to fill their account number and bank name. Applicants have to enter the account number twice here. Now applicants have to fill the captcha code. After this applicants have to click on Send OTP on registered mobile number. After that OTP will come on the mobile of the applicants. Applicants can check bank balance by entering their photo.

Via miss call

Applicants have to follow the following steps to check bank balance through missed call: If you do not want to check Jan Dhan account balance through the portal, then applicants can do so by missed call. Applicants having Jan Dhan account with State Bank of India can check their bank balance by giving a missed call on 1800112211 or 8004253800. The applicants have to make sure that they give a missed call from the same mobile number which is registered in their bank account.

Difference between Jan Dhan account and normal account

A regular zero balance account typically does not offer any insurance coverage benefits. However, under the Pradhan Mantri Jan Dhan Yojana, you get a RuPay debit card when you open a Jan Dhan account. This card offers accidental insurance coverage of Rs. 1 lakh for all cardholders.

How to Login

First of all applicants have to visit Jan Dhan official website After this the home page of the website will open on the screen of the applicants
Now on the home page applicants have to click on the tab of ‘Write to us’ After this applicants have to click on the link of ‘Bank Login’.
Now a new page will open on the screen of the applicants. Applicants will now have to enter user-id and password on the new page.
Now applicants have to click on the button of sign in and thus their login process will be completed.

Claim Form Download for Life Cover

First of all applicants have to visit the official website of Pradhan Mantri Jan Dhan Yojana.
Now the home page of the official website will open On the home page, applicants have to click on the option of ‘Insurance Cover under PMJDY’.
Now applicants have to click on the option of “Claim Form” The form will open on the screen of the applicants as soon as they click on the “Claim Form” option.
Now applicants have to click on the option of “Download” By following all these steps, the applicant will be able to download the ‘Life Cover Claim Form’ successfully.

How to take loan

If the bank account of the applicants is already opened under Pradhan Mantri Jan Dhan Yojana, then according to the deposits of the applicants in these accounts, the government can give an overdraft ranging from ₹ 2000 to ₹ 100000. With this money the applicants can start their own business or business and this money has to be returned. The conditions of these are very easy by the government, in which a loan of ₹ 100000 can be given without any guarantee.

This facility will be given to them through the bank and not online. For this applicants have to go to the bank branch. Applicants can be given loan up to 3 times of the overdraft month’s savings.

Pension Benefit

Pradhan Mantri Jan Dhan Yojana is made by the central government. If the applicants have opened an account under Pradhan Mantri Jan Dhan Yojana, then till now they can avail pension of ₹ 3000 per month by taking subscription of Pradhan Mantri Maandhan Yojana. If the age of the applicants is between 18 to 40 years then the applicants can apply for this scheme.

Helpline Number

Applicants having any kind of problem, they can contact on the helpline number i.e. toll free number mentioned here. Here are the toll free numbers: 18001801111, 1800110001

Official Website

Home Page Click here

Official Website Click here

Pradhan Mantri Jan Dhan Yojana (PMJDY) 2023 I प्रधानमंत्री जन धन योजना 2023