Pradhan Mantri Jan Dhan Yojana

ایک قومی مشن برائے مالیاتی شاملگی (NMFI)، یعنی، پرادھان منتری جن دھن یوجنا (PMJDY) کو 28 اگست 2014 کو وزیر اعظم نے ملک بھر میں لانچ کیا۔ یہ...

Key details

Benefits

**Basic Savings Bank Deposit Account (BSBDA)**

Any Indian citizen eligible to open a regular bank account can open a BSBDA. Such an account does not require any minimum balance maintenance. The account holders can use both bank branches, ATMs and Banking Correspondents (BCs) for depositing and withdrawing cash. However, one cannot withdraw cash more than four times a month.

**Small Account/Chota Khata**

Under Jan Dhan Yojana, people can open small bank accounts without presenting legal documents. These accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to a continue for a further period of twelve more months, if the account-holder provides a document showing that he/she has applied for any of the Officially Valid Document, within 12 months of opening the small account.

**RuPay Debit Card with inbuilt accident insurance**

Under PMJDY, a free Rupay debit card, with inbuilt accident insurance cover of Rs.2 lakhs (Rs 1 lakh for accounts opened before 28.08.2018), is issued to all beneficiaries.

**Overdraft Facility**

Under PMJDY, beneficiaries can avail OD facility upto Rs. 10,000/-.

**Business Correspondents (BCs)/Bank Mitras******

BCs/Bank Mitras are retail agents engaged by banks for providing banking services at locations other than a bank branch/ATM. It is mainly meant for the rural areas, where bank branches are far-flung. BCs/Bank Mitras connect with the residents and guide them with banking solutions such as savings accounts, deposits, payments and withdrawals, mini account statements, etc. Banks with their strong network of BCs/Bank Mitras are providing hassle free services to the customers in remote / rural areas.

Eligibility (who can apply)

How to Apply

  1. **Offline**
  2. **Step 1**- Go to the [official portal](https://pmjdy.gov.in/) of PMJDY.
  3. **Step 2**- Under the "e-documents" section, you will find live links for "Account Opening Form".
  4. Applicants can access this in both English and Hindi languages.
  5. Click on the appropriate language option.
  6. **Step 3**- This will open the form in PDF format.
  7. Download it and get a printout.
  8. **Step 4**- Fill the form manually with all your bank and personal data, including bank branch, name of town/village, block/district, Aadhaar number, profession, annual income, details of Kisan credit card, and others.

Frequently Asked Questions

Who is eligible for Pradhan Mantri Jan Dhan Yojana / what is the eligibility?

1. The applicant should be an Indian National. 1. If minors above ten years apply, they will require support from their legal guardians for administering their PMJDY account.

What are the benefits of Pradhan Mantri Jan Dhan Yojana?

**Basic Savings Bank Deposit Account (BSBDA)** Any Indian citizen eligible to open a regular bank account can open a BSBDA. Such an account does not require any minimum balance maintenance. The account holders can use both bank branches, ATMs and Banking Correspondents (BCs) for depositing...

How to apply online for Pradhan Mantri Jan Dhan Yojana?

**Offline** **Step 1**- Go to the [official portal](https://pmjdy.gov.in/) of PMJDY. **Step 2**- Under the "e-documents" section, you will find live links for "Account Opening Form". Applicants can access this in both English and Hindi languages. Click o...

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Last updated: 06 Jul 2026