Friday 3 February 2023

Pradhan Mantri Jan Dhan Yojana

By:   Last Updated: in: , ,

Pradhan Mantri Jan Dhan Yojana : Pradhan Mantri Jan Dhan Yojana : Pradhan Mantri Jan Dhan Yojana (PMJDY) is a financial inclusion scheme launched by the Indian government in 2014. The scheme aims to provide affordable access to financial services such as bank accounts, insurance, and credit to the unbanked and underserved population of India.

Pradhan Mantri Jan Dhan Yojana


Under PMJDY, a person can open a savings bank account with any bank that is a part of the scheme, with a zero balance facility. The account comes with an overdraft facility of up to Rs. 10,000 for eligible customers and an inbuilt RuPay debit card.

In addition to the savings account, PMJDY also provides life insurance cover of Rs. 30,000 and accidental insurance cover of Rs. 2 lakh for all eligible account holders. The scheme also facilitates direct transfer of subsidies and other government benefits to the PMJDY accounts.

Overall, PMJDY is aimed at bringing financial inclusion to the masses, empowering them with access to financial services, and providing a secure platform for the government to disburse subsidies and other benefits.

Some key features of PMJDY are

Bank Account: The scheme provides for the opening of a basic bank account with overdraft facility and a RuPay debit card.

  1. Life Insurance Cover: PMJDY account holders are eligible for a life insurance cover of Rs. 30,000.
  2. Accidental Insurance Cover: PMJDY account holders are also eligible for an accidental insurance cover of Rs. 2 lakh.
  3. Direct Benefit Transfer (DBT): The scheme enables the government to transfer various subsidies and benefits directly to the bank accounts of the beneficiaries, reducing corruption and leakage.
  4. Micro-Pension: PMJDY account holders are eligible for a micro-pension scheme for old age income security.

How to Open Pradhan Mantri Jan Dhan Yojana Bank Account

To open a bank account under Pradhan Mantri Jan Dhan Yojana (PMJDY), you can follow the steps below:

  1. Choose a Bank: PMJDY is being implemented through all public sector banks and some private sector banks. Choose a bank that is closest to your location.
  2. Collect Required Documents: You will need to submit some KYC (Know Your Customer) documents to open a PMJDY account. The required documents may include proof of identity, proof of address, and proof of age.
  3. Fill up the Account Opening Form: You will need to fill up the account opening form provided by the bank. The form will ask for your personal details, contact details, and other information.
  4. Submit the Required Documents: Once you have filled up the form, submit it along with the required KYC documents to the bank.
  5. Wait for Account Activation: The bank will verify your documents and activate your account. You may be asked to provide additional information or documents if required.
  6. Get Your Debit Card: Once your account is activated, you will be provided with a RuPay debit card, which can be used to access your account and withdraw money.

Apply online pradhan mantri jan dhan yojana

To apply for Pradhan Mantri Jan Dhan Yojana (PMJDY) account online, you need to follow these steps:

  1. Choose a Bank: PMJDY is implemented through all public sector banks and some private sector banks. Choose a bank that offers the PMJDY account facility and has an online platform.
  2. Go to the Bank's Website: Visit the bank's website and look for the PMJDY account opening option.
  3. Fill up the Online Form: Fill up the online form with the required personal and contact details.
  4. Upload KYC Documents: You will need to upload your KYC (Know Your Customer) documents, such as proof of identity and proof of address, as part of the online application process.
  5. Submit the Application: Submit the online application and wait for the bank to process it.
  6. Wait for Account Activation: The bank will verify your documents and activate your account. You may be asked to provide additional information or documents if required.
  7. Get Your Debit Card: Once your account is activated, you will be provided with a RuPay debit card, which can be used to access your account and withdraw money.

Pradhan mantri jan dhan yojana loan online apply

To apply for a loan under Pradhan Mantri Jan Dhan Yojana (PMJDY), you need to follow these steps:

  1. Check Loan Eligibility: PMJDY account holders who have completed 6 months of satisfactory transactions and meet the bank's loan criteria are eligible for a PMJDY loan.
  2. Choose a Bank: PMJDY is implemented through all public sector banks and some private sector banks. Choose a bank that offers the PMJDY loan facility and has an online platform.
  3. Visit the Bank's Website: Go to the bank's website and look for the PMJDY loan option.
  4. Fill up the Loan Application Form: Fill up the loan application form with the required details and submit it online.
  5. Submit Required Documents: You may need to submit some documents, such as proof of income, to support your loan application.
  6. Wait for Loan Approval: The bank will verify your documents and assess your loan application. If approved, the loan amount will be disbursed to your PMJDY account.

No comments:
Write comment

अपना महत्वपूर्ण सुझाव कमेंट में जरूर बताएं।