Pradhan Mantri Jan Dhan Yojana (PMJDY) is Public Mission for Monetary Consideration to guarantee admittance to monetary administrations, specifically, Banking/Reserve funds and Store Records, Settlement, Credit, Protection, Benefits in a reasonable way.
Record can be opened in any bank office or Business Journalist (Bank Mitr) outlet. Accounts opened under PMJDY are being opened with Zero equilibrium. Be that as it may, assuming the record holder wishes to get really look at book, he/she should satisfy least equilibrium rules.
Archive expected to open a record under Pradhan Mantri Jan-Dhan Yojana
A record can be opened by introducing a formally substantial archive.
Required Document
- The Passport/Visa,
- The driving permit,
- The Super durable Record Number (Dish) Card,
- The Citizen's Personality Card gave by Political decision Commission of India
- Work card gave by NREGA properly endorsed by an official of the State Government
- The letter gave by the Novel Distinguishing proof Power of India containing subtleties of name, address and Aadhaar number, or
- Some other archive as told by the Focal Government in discussion with the Controller
- Gave that where improved on measures are applied for checking the character of the clients the accompanying reports will be considered to be authoritatively legitimate archives:
- Character card with candidate's Photo gave by Focal/State Government Divisions, Legal/Administrative Specialists, Public Area Endeavors, Planned Business Banks, and Public Monetary Organizations;
- Letter gave by a Gazetted official, with a properly validated photo of the individual.
Hold Bank of India (RBI), vide its Public statement dated 26.08.2014, has additionally explained that those people who don't have any of the 'formally legitimate records' can open "Little Records" with banks. A "Little Record" can be opened based on a self-bore witness to photo and putting his/her marks or thumb print within the sight of authorities of the bank. Such records have impediments in regards to the total credits (not more than Rupees one lakh in a year), total withdrawals (nor more than Rupees 10,000 in a month) and equilibrium in the records (not more than Rupees 50,000 anytime of time). These records would be legitimate ordinarily for a time of a year. From there on, such records would be permitted to go on for a further time of twelve additional months, assuming the record holder gives a report showing that he/she has applied for any of the Authoritatively Legitimate Record, in something like a year of opening the little record.
Extraordinary Advantages under Pradhan Mantri Jan Dhan Yojana (PMJDY) Plan
- Interest on store.
- Inadvertent protection front of Rs. 2 lakhs
- No base equilibrium required.
- The plan give life front of Rs. 30,000/ - payable on death of the recipient, dependent upon satisfaction of the qualification condition.
- Simple Exchange of cash across India
- Recipients of Government Plans will get Immediate Advantage Move in these records.
- After palatable activity of the record for a long time, an overdraft office will be allowed Admittance to Benefits, protection items.
- The Case under Private Coincidental Protection under PMJDY will be payable assuming the Rupay Card holder have performed least one fruitful monetary or non-monetary client prompted exchange at any Bank Office, Bank Mitra, ATM, POS, E-COM and so on. Channel both Intra and Between bank for example on-us (Bank Client/rupay card holder executing at same Bank channels) and off-us (Bank Client/Rupay card holder executing at other Bank Channels) in the span of 90 days preceding date of mishap including mishap date will be incorporated as qualified exchanges under the Rupay Protection Program 2019-2020.
- Overdraft office upto Rs. 10,000/ - is accessible in only one record for each family, ideally woman of the family.
Significant Links
Account Opening Form (English)
Account Opening Structure (Hindi)
38.57 Crore recipients banked up to this point
₹135,883.95 Crore Equilibrium in
Beneficiary Account Of Pradhan Mantri Jan Dhan Yojana
- 1.26 lakh Bank Mitras conveying branchless financial administrations in Sub-Administration Regions
- "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" under the Public Mission for Monetary Consideration was sent off at first for a time of 4 years (in two stages) on 28th August 2014. It conceives all inclusive admittance to banking offices with somewhere around one essential financial record for each family, monetary proficiency, admittance to credit, protection and annuity.
- PMJDY has given a stage to the three government backed retirement plans "Pradhan Mantri Jan-Dhan Yojana (PMJDY)" under the Public Mission for Monetary Consideration was sent off at first for a time of 4 years (in two stages) on 28th August 2014. It conceives widespread admittance to banking offices with something like one essential financial record for each family, monetary education, admittance to credit, protection and benefits.
- PMJDY has given a stage to the three government backed retirement plans viz. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Benefits Yojana (APY) and Pradhan Mantri Mudra Yojana (PMMY).
The Public authority has chosen to broaden the thorough PMJDY program past 28.8.2018 with the adjustment of spotlight on opening records from "each family" to "each grown-up", with following alteration :
- (I) Existing Over Draft (OD) cutoff of Rs. 5,000 updated to Rs. 10,000.
- (ii) No circumstances joined for dynamic PMJDY accounts benefiting OD upto Rs. 2,000.
- (iii) Age limit for profiting OD office reexamined from 18-60 years to 18-65 years.
- (iv) The inadvertent protection cover for new RuPay card holders raised from existing Rs.1 lakh to Rs. 2 lakh to new PMJDY accounts opened after 28.8.2018.. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Benefits Yojana (APY) and Pradhan Mantri Mudra Yojana (PMMY).
