(PMJDY) Pradhan Mantri Jan Dhan Yojana 2023: How to Open PM Jan Dhan Yojana Account

(PMJDY) Pradhan Mantri Jan Dhan Yojana 2023: How to Open PM Jan Dhan Yojana Account , प्रधानमंत्री जन धन योजना: Pradhan Mantri Jan Dhan Yojana was launched by our Honorable Prime Minister Shri Narendra Modi on 15th August 2014. Under the scheme, people from economically weaker sections of all rural and urban areas of the country have got benefits. Under this scheme, poor people of the state can open their zero balance account in any bank, post office or banks. Along with this facility, those people will be provided overdraft facility of ₹ 5000 and Rupay debit card facilities after six months.

Pradhan mantri jan dhan yojana

Under this scheme, any citizen of the country who opens an account and suddenly dies due to some reason. So the central government will give an additional insurance cover of ₹ 30000 to the family of that beneficiary. The Prime Minister of the country, Shri Narendra Modi, has put all the important things related to the Pradhan Mantri Jan Dhan Yojana in front of the people. The Prime Minister said that the purpose of starting this scheme was to connect those people with the banking system who were far away from this bank stage.

(PMJDY) Pradhan Mantri Jan Dhan Yojana 2023: How to Open PM Jan Dhan Yojana Account

NamePradhan Mantri Jan Dhan Yojana
Year2022
Launched byPrime Minister Shri Narendra Modi ji
beneficiarycitizens of the country
Application processoffline
PurposeTo open bank account of all citizens of the country
Benefitsopening a bank account with zero balance
CategoryCentral Government Scheme
Official websitehttps://pmjdy.gov.in/

The benefits and features related to PM Jan Dhan Yojana are as follows:

  • Citizens of all poor families of the country can now open their bank accounts because of this scheme. And can get the facilities given by the Government of India.
  • There is no rule to keep the minimum amount in the accounts opened by PM Jan Dhan Scheme. It will also be open only with zero balance.
  • At the same time, the citizens who deposit money in the accounts opened by this scheme will also be given interest by the bank.
  • If a family wants to open the account of their child also, then it can be opened at least till the age of 10 years.
  • The financial help given by the government will be sent to this account through direct bank transfer.
  • This is the facility of savings account for the beneficiaries which they can easily open.
  • Debit card facility will be given to the beneficiaries.
  • With the help of the scheme, many beneficiaries have also been given facilities like life insurance.
  • According to the scheme, if you also want to take benefits, then it is necessary to link your Aadhar card with the bank account.
  • Along with this, accident insurance cover up to Rs 1 lakh has also been given to the beneficiaries as per the scheme.
  • A special overdraft facility of Rs 15,000 will be given to one account or female member of every family.
  • Citizens will be able to easily take advantage of all the schemes launched by the Government of India or the State Government through these accounts.

Who are eligible for this scheme?

  • His age should be between 18 to 59 years.
  • Central or state government employees cannot take advantage of this scheme.
  • Tax-paying citizens also cannot take advantage of this scheme.
  • If minors apply, they will need support from their guardians.
  • Jan Dhan Yoj

PMJDY Amount Status 

Indian citizens who have registered themselves according to this scheme have been given many facilities. As you can keep zero balance in the account. According to the accident cover, they will get an accident insurance cover of 1 lakh. In the event of the death of a sister, her family will be given financial assistance of up to Rs 3 lakh. The benefit of life insurance is given only to those beneficiaries who had opened their account as per the scheme within 6 months.

Main factors of Jan Dhan Yojana:

  • basic banking facility
  • RuPay Debit Card Facility
  • Access to banking services
  • Benefits of Pradhan Mantri Suraksha Bima Yojana
  • Prime Minister’s Life Insurance Scheme
  • financial literacy program
  • micro insurance facility
  • micro credit

Process to apply in Pradhan Mantri Jan Dhan Yojana

  • After this you will have to demand the application form for opening Jan Dhan account from the concerned officer.
  • Now you will be admitted in clear and clear words all the information demanded in this application form.
  • After filling all the information, attach all the necessary documents asked with this application form.
  • Now go to the bank official and submit this application form.
  • Finally the bank official will process your application form and after that your Jan Dhan account will be opened.

Pradhan Mantri Jan Dhan Yojana

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