Pradhan Mantri Jan Dhan Yojana (PMJDY)
यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। स्रोत प्राधिकरण लिंक: pmjdy.gov.in प्राधिकरण: Ministry of Finance • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 29 Jul 2026
त्वरित एआई सारांश
National mission for financial inclusion ensuring access to savings accounts, remittance, credit, insurance, and pension services.
विस्तृत सारांश
Overview
Launched on 28 August 2014, the Pradhan Mantri Jan Dhan Yojana (PMJDY) is a flagship financial inclusion programme of the Government of India. It aims to provide every household with at least one basic banking account, thereby integrating unbanked citizens into the formal financial system.
Key Features
Accounts are zero‑balance, can be opened at any scheduled commercial bank, regional rural bank, cooperative bank, or through Business Correspondent (BC) outlets. The scheme is open to all Indian citizens irrespective of age, gender, caste, or occupation, provided they do not already hold a basic savings account.
Operational Mechanism
Account opening requires submission of KYC documents (Aadhaar, PAN, voter ID, or passport). Upon activation, the account holder receives a RuPay debit card, accidental insurance cover of Rs. 2 Lakhs, and eligibility for overdraft facilities up to Rs. 10,000 based on credit assessment. The account also serves as a gateway to government subsidies, direct benefit transfers, and micro‑insurance products.
प्रमुख लाभ और वित्तीय सहायता
| तुलना मानदंड | लाभ |
|---|---|
| प्रमुख लाभ |
|
पात्रता मानदंड प्रोफ़ाइल
| तुलना मानदंड | पात्रता |
|---|---|
| Minimum Age Limit | 10 Years or above |
| Domicile State | All India (Central Scheme) |
आवेदन प्रक्रिया मार्गदर्शिका
- Gather valid KYC documents (Aadhaar, PAN, voter ID, passport, etc.).
- Visit the nearest public sector bank, cooperative bank, or authorized Bank Mitra (BC) agent.
- Fill the PMJDY account opening form and submit KYC documents.
- Receive the account number, RuPay debit card, and welcome kit.
- Activate the account via ATM or online portal.
इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न
Yes. Individuals aged 10 years and above can open an account; for minors, a parent or guardian may act as the KYC guarantor.
No. The Jan Dhan account operates on a zero‑balance basis; no minimum balance is mandated.
The debit card is issued automatically after account activation and can be collected from the bank branch or delivered to the address provided during KYC.