Pradhan Mantri Jan Dhan Yojana
Pradhan Mantri Jan Dhan Yojana is National Mission for Financial Inclusion to ensure access to financial services, namely, basic savings & deposit accounts, remittance, credit, insurance, pension in an affordable manner. Under the scheme, a basic savings bank deposit (BSBD) account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet, by persons not having any other account.
Pradhan Mantri Jan Dhan Yojana was announced by the Prime Minister of our country, Shri Narendra Modi on 15 August 2014 and the scheme has been launched on 28 August 2014. Under this scheme in the bank of the poor people of the country, the post office And opened accounts at zero balance in nationalized banks. The accounts which will have an Aadhaar card linked will be provided with an overdraft facility of Rs 5000 after 6 months and accident insurance cover of Rs 1 lakh embedded in Rupe Debit Card and Rupe Kisan Card.
Complete 6 years of Pradhan Mantri Jan Dhan Yojana
Like you all know. Pradhan Mantri Jan Dhan Yojana was launched on 15 August 2014 by the Prime Minister of our country, Shri Narendra Modi. One of the biggest schemes of the Modi government is the Pradhan Mantri Jan Dhan Yojana, which has completed 6 years today. Today, when its 6 years have been completed, PM Modi tweeted He greeted the people and put the main things related to this scheme in front of all the citizens. The Prime Minister tweeted that the purpose of this scheme was to connect those who were deprived of it to the banking system. This initiative has proved to be a game-changer.
Today, six years ago, the Pradhan Mantri Jan Dhan Yojana was launched with an ambitious aim of banking the unbanked. This initiative has been a game-changer, serving as the foundation for many poverty alleviation initiatives, benefitting crores of people. #6YearsOfJanDhanYojana pic.twitter.com/MPueAJGlKw
— Narendra Modi (@narendramodi) August 28, 2020
|Interest Rate||Based on the saving’s account interest rate offered by the bank|
|Minimum Balance||Zero balance account|
|Accidental Insurance Cover||Under Rupay Scheme, Rs.1 lakh. Accounts opened after 28 August 2018, Rs.2 lakh|
How to open a Jan Dhan Yojana Account?
To open a Jan Dhan Yojana Account, you need to get the application form, which is available in both English and Hindi and is available on the official website of PMJDY (https://www.pmjdy.gov.in/scheme). Fill it up and submit it along with the necessary documents. The application form is called the financial inclusion account opening form. It consists of three sections wherein you need to provide details of yourself, the nominee, and the bank where the account is being opened
In order for individuals to open a PMJDY account, the below-given criteria must be met:
- You must be a citizen of India
- You should be at least 10 years of age
- You should not have a bank account
Documents need to open Jan Dhan Yojana account
In case individuals wish to open an account, viable documents must be submitted. The list of documents required for the jan Dhan yojana account under the scheme are mentioned below:
- PAN (Permanent Account Number)Card
- Driving license
- Voter ID
- job card issued by NREGA (The National Rural Employment Guarantee Act) signature by an officer of the state government.
- Identity card with a photo that has been issued by the central or state government departments, public sector undertakings, scheduled commercial banks, public financial institutions, and statutory or regulatory authorities.
- A photograph that has been attested along with a letter from a Gazetted officer must be submitted.
How to check the account application status of Jan Dhan Yojana?
if you apply for Jan Dhan Yojana bank account so need to know the status of the account
Go to PMJDY website and click on the status inquiry button fill in the reference number you get after submitting the form and documents.
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