PMJDY Record 2023: Pradhan Mantri Jan Dhan Yojana (PMJDY) is an initiative of the Indian Authorities (प्रधानमंत्री जन धन योजना) for the great monetary inclusion for the individuals of India with particular give attention to those that are excluded from the advantages and amenities of the banking sector. On this article, now we have shared PM Jan Dhan yojana’s software and advantages.
PM Jan Dhan Yojana Record 2023
When you open this account then you’re mechanically entitled to unintended insurance coverage and overdraft facility and also will get the good thing about the schemes launched by the Indian authorities (like PMGKY) time to time beneath the PMJDY 2023, you do have to be nervous concerning the minimal steadiness in PMJDY account as a result of it may be open with zero steadiness. प्रधानमंत्री जन धन योजना
PMJDY 2023
Our Hon’ble Prime Minister launched this PMJDY approach again on August 15, 2014, which is a nationwide mission for monetary inclusion. Beneath this mission, our PM is making an attempt to cowl all of the households of our nation with banking amenities and he needs that, each citizen ought to have an account in order that they are often introduced beneath the banking mainstream.
Now, most of you don’t know concerning the time period monetary inclusion… no have to be nervous we are going to clear your ideas…
Monetary Inclusion is nothing it’s only a provision to offer banking providers to each widespread man at an inexpensive price, particularly to those who got here from the deprived part of our society.
Advantages of PM Jan Dhan Yojana Account
Beneath now we have given some advantages that are entitled to each applicant:
- They may get occupied with their deposit.
- Eligible for the unintended insurance coverage cowl of Rs 2 Lakh
- No minimal steadiness is required for the account holders.
- It can additionally cowl the good thing about 30,000 life cowl which shall be payable on the loss of life of the account holder however provided that he/she fulfils the eligibility situation.
- You may switch cash simply throughout India.
- If they’re entitled for presidency schemes then the quantity shall be credited into their account.
- As soon as you use the account efficiently for six months then you’re eligible for an overdraft facility of Rs 10,000 earlier it was 5000.
- Could be accessible to pension and insurance coverage merchandise
- Overdraft facility of as much as Rs. Ten thousand shall be given to just one account per family and desire given to the girl households.
Pradhan Mantri Jan Dhan Yojana Options
When PM launched this mission of PMJDY then he was seeking to present inexpensive providers of banking providers to all residents inside an affordable distance. It contains 6 pillars that are given as:
Accessible to banking amenities
With this, they’re making an attempt to map every district into the SSA which suggests Sub service areas beneath which at the least one to 2 thousand households shall be coated inside a spread of 5 km.
Primary banking facility
They aimed for at the least one checking account in each unbanked family, in order that it might enhance the tradition of banking habits in each family and persuade them to avoid wasting their hard-earned cash in a checking account.
Monetary literacy program
To teach them about monetary literacy in order that, they’ll function the ATM card and get to know its advantages.
Micro-credit
When you open the account and function it satisfactorily for the following six months then you’re eligible for the hassle-free credit score facility of Rs 5000 and for that financial institution is not going to ask you for any type of safety, objective or use of credit score.
Micro Insurance coverage Facility
With this all of the BSBD (fundamental saving financial institution deposit) account holders are eligible for micro-insurance and for that there are two insurance coverage scheme
PM Jeevan Bima Yojana (PMJBY)
Beneath this beneficiary will get a life insurance coverage cowl of Rs 2 lakhs and for that, they needed to pay solely Rs 330/- per 12 months
PM Suraksha Bima Yojana (PMSBY)
This insurance coverage scheme will provide you with unintended cowl of Rs 2 lakh and for that, you need to pay solely Rs 12/- per 12 months.
RuPay debit card
When you open the account then you’re going to get the Rupay Card (ATM card) which additionally covers the unintended insurance coverage of Rs 2 lakh solely.
Additionally Verify: Atal Pension Yojana
Variety of Accounts Opened in PMJDY
Beneath now we have given the variety of accounts opened in rural and concrete areas and the quantity deposited by them and the Rupay card issued (knowledge as of two March 2022)
| Financial institution kind | In rural | City metro | Rural Feminine | Quantity deposit in crore | Rupay card issued |
| Public Sector financial institution | 22.06 | 13.25 | 19.48 | 123859.80 | 26.97 |
| Regional Rural financial institution | 7.15 | 1.06 | 4.75 | 32248.46 | 3.39 |
| Personal sector financial institution | 0.70 | 0.59 | 0.71 | 4731.62 | 1.10 |
Who can Apply for PMJDY?
Now you all should wish to know who can open this PMJDY account, then you definately all have to be completely happy to know that any particular person can apply for this Account and there’s no restriction on age and…
you possibly can open the account at any nearest financial institution department or CSP outlet with the assistance of a financial institution mitr.
However, in case you already possess a financial savings checking account then you need to shut it inside 30 days of the opening of a fundamental saving financial institution deposit account.
Paperwork Required for PMJDY
When you’ll apply for PMJDY at your nearest financial institution department, then you definately all should carry some legitimate paperwork with you which of them now we have listed beneath:
- Photograph identification proof: – the one who needs to open the account want to hold anybody photograph identification proof (Voter ID, Aadhaar Card, Driving license, and many others.)
- Ration card
- PAN Card
- Deal with proof: – (have to submit your present and everlasting handle proof it could possibly be an electrical energy/water/cellphone/fuel connection invoice)
- Aadhaar card
- Passport dimension photograph (at the least 3)
- Driving license
- Voter ID
- Job card: – issued by the NREGA and it have to be duly signed by an officer of the state authorities.
apply for PM Jan Dhan Yojana?
For the PMJDY account opening it is advisable to submit a dully-filled account type which you’ll be able to obtain in Hindi and English from the hyperlink given on this web page and submit it to any nearest financial institution and…
If you don’t how one can fill out the shape then don’t fear you simply go to the closest financial institution and the financial institution Mitra will aid you with this.
Don’t overlook to hold all of the checklist of paperwork which we talked about above.
Obtain type (Hindi)
Obtain type (English)
PMJDY Toll-free numbers
Nationwide Toll free numbers: 1800-180-1111/ 1800-11-0001
For state smart toll free quantity: Click on right here
Verify Out story of PMJDY in comical approach
Continuously Requested Questions
कोई भी व्यकित जिसकी आयु 10 वर्ष या उससे अधिक हो।
जी हाँ आप जॉइंट खता खोल सकते है।
No, there is no such thing as a minimal account steadiness required beneath this PMJDY account.
आप PMJDY स्कीम के तहत किसी भी नज़दीकी बैंक की शाखा मै जाकर अपना अकाउंट खुलवा सकते है
जी हाँ आप खाता खुलवा सकते है मगर आपको पहले वाला खाता 30 दिनों के अंदर बंद करवाना होगा .
A Primary Saving Financial institution Deposit (BSBD) account is a financial savings checking account that gives minimal amenities, freed from cost amenities to the account holder and with this, you’re going to get a fundamental Rupay card.
They’re related however the PMJDY comes with some extra amenities of Rupay Debit card having unintended insurance coverage cowl.
For opening the PMJDY account it is advisable to submit requisite KYC paperwork that are Deal with proof, voter Id, Aadhaar card, Ration card, {photograph}, PAN card driving license, and many others.
Sure, in that case, small accounts will be opened with restricted amenities.
Beneath this, your annual credit score shouldn’t exceed 1 lakh and you can’t withdraw or switch greater than 10,000 in a month the steadiness within the account shouldn’t exceed the restrict of fifty,000.
Sure, while you open the account then you’re going to get the Rupay Card.
This Rupay card comes with an unintended insurance coverage cowl of as much as Rs 2 lakh however for that, it is advisable to use your debit each 45 days.
Sure, however the financial institution will present them with each element of it in order that nobody misuses it
Should you function your account efficiently for the following six months, then you possibly can go for the power of overdraft wherein the financial institution will provide you with a specific amount and for that, you do not want to submit any proof or assure.
No, the overdraft shall be given solely to at least one account at a time in each family and the desire shall be given to the feminine account holder of the member of the family.
Sure, the financial institution will cost a 3% rate of interest per 12 months.
Sure
https://pmjdy.gov.in
When you have any queries relating to the PMJDY then be at liberty to ask us within the remark part beneath we are going to reply your question. pmjdy.gov.in checklist, jan dhan yojana advantages, प्रधानमंत्री जन धन योजना खाता कैसे खुलवाए Dekhe yaha.