Pradhan Mantri Jan Dhan Yojana
Zero-balance account + ₹2 lakh insurance + ₹10,000 overdraft
What is PM Jan Dhan Yojana?
PM Jan Dhan Yojana (PMJDY) provides zero-balance bank accounts to unbanked Indian citizens. It comes with a free RuPay debit card, built-in accident insurance of ₹2 lakh, and an overdraft facility of ₹10,000 for eligible account holders.
Key Benefits
• Zero-balance savings account at any bank
• Free RuPay debit card with ₹2 lakh accident insurance
• Overdraft facility up to ₹10,000 (for accounts active 6+ months)
• Direct benefit transfer — government subsidies credited directly
• Access to micro-insurance and pension schemes
Who is Eligible?
Any Indian citizen aged 10 years and above who does not have a bank account. Even those without a permanent address can open an account using a self-declared address.
Documents Required
• Aadhaar card OR voter ID OR PAN card OR NREGA job card
• Passport-size photograph
• Address proof (if different from ID proof)
How to Open
Visit any public sector bank, regional rural bank, or a Bank Mitra (Banking Correspondent) in your area. Ask for a PMJDY account. Fill the form, submit documents, and your account is opened the same day. You can also open it at a CSC or through the bank's app.
Scheme Assistance
N. Senthilkumar Nagendran
BJP Zone Incharge, Tamil Nadu — leading Seva Sankalp Abhiyan to bring every Central scheme to your doorstep.
WhatsApp for Help