Jan Dhan Yojana was launched by the Prime Minister of our country Narendra Modi on 15 August 2014 by the Central Government. With the Jan Dhan Yojana, crores of accounts were opened in the country, so that more and more people can be connected to the banking service and the assistance given by the government can be deposited directly into the bank of the customers. In this scheme, many Jan Dhan Yojana accounts were opened by the employees of the bank by setting up camps and villages. Due to this people were able to get banking facilities. This Jan Dhan account was linked with an Aadhar card. About 42.50 crore accounts have been opened through this scheme, which this scheme is also preferred by every Indian citizen. About 7 years have been completed for this scheme; the Prime Minister also mentioned this scheme and said that this scheme was successful to a great extent. Official Website- Jan Dhan Yojna


The main objective of the scheme-

The main objective of this scheme was to connect poor people and low-income farmers and laborers with the banking system and provide banking facilities. Along with this, making them self-reliant by providing small loans through overdraft from 2000 to 10000, and the facility of security insurance was also covered under the Jan Dhan Yojana. Official Website- Jan Dhan Yojna


Open Jan Dhan account easily

If you are also willing to take advantage of this scheme, then you can easily open an account for free by visiting the nearest bank branch or visiting any customer service center, because it is a zero balance account, there is no provision for a minimum balance.


To take advantage of this scheme, according to the instructions of the Reserve Bank of India, the account holder should not have a savings bank account in any other bank.

The government has an insurance cover of Rs.2 lakh for accounts opened after 2018. Earlier, accident insurance of Rs 1 lakh was covered under the Rupay scheme.

The scheme also provides a life cover of Rs.30, 000 payable on the death of the beneficiary, subject to fulfillment of eligibility conditions in the accounts opened between 15/08/2014 to 31/01/2015.

6 Months If we operate the account properly, then we can also get the benefit of an overdraft up to Rs.10, 000.

The document

Self-Authentication of Aadhaar Card and Present Address.

Letter issued by a Gazetted Officer with a duly attested photograph of the individual.

The applicant's age should be 18 to 65 years.

mobile number. (Alternative)

Official Website- Jan Dhan Yojna

Account Opening Form (English)             Account Opening Form (Hindi)

PMJDY scheme update

The central government has also provided financial assistance in this ambitious scheme, a Jan Dhan Yojana, and according to the figures given by the Finance Ministry, there are about 44.12 crore accounts.


Frequently asked questions about Jan Dhan Yojana?

1. What is Jan Dhan Yojana?

There is a National Financial Inclusion Mission run by the government to make financial services more accessible to the people in a better way.

Official Website- Jan Dhan Yojna


2. Can a joint account be opened under Jan Dhan Yojana?

Yes, you can also open a joint account in this scheme.


3. What should be the age of Pradhan Mantri Jan Dhan Yojana?

18 to 65 or less than 10 years, then the account will be opened with the parent. 

4. Can KCC cardholders get the benefit of Jan Dhan Yojana?

Now KCC people will not be able to get the benefit of this scheme.

5. What is a BSBDA Account?

This is a basic savings bank deposit account, there is no minimum balance requirement for you. Services available in this banking system include deposit or withdrawal of cash through ATMs, and electronic payment methods. 4 times a month withdrawal facility through ATM without any charges.

6. What are the special benefits of the RuPay Debit Card?

Accident insurance up to Rs.1.00 lakh is covered under this scheme.

7. How mobile number can be added to the account?

 To link the mobile number to the account holder, you will have to go to the bank branch and give you an application to add a number, and the bank friend will be linked with your bank account.

8. Will banks organize camps for Jan Dhan Yojana in the future?

Yes, Jan Dhan Yojana camps will be organized by the bank branch every Saturday.

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