Pradhan Mantri Jan-Dhan Yojana

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Submitted by shahrukh on Thu, 02/05/2024 - 13:14
CENTRAL GOVT CM
Scheme Open
Pradhan Mantri Jan Dhan Yojana Logo
Highlights

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Customer Care

National Toll Free Numbers:- 1800 11 0001/1800 180 1111

Introduction:-

Pradhan Mantri Jan-Dhan Yojana was launched by Prime Minister Narendra Modi on 15th August 2014. It is a National Mission for financial inclusion for ensuring access to financial services, such as :-

  • Banking
  • Savings
  • Deposit Accounts
  • Remittance
  • Credit
  • Insurance
  • Pension in an affordable manner.

Under this scheme, people can open account with zero balance in any branch or business correspondent (Bank Mitr) outlet. However, if the account-holder wants to get cheque book, he/she will have to fulfill minimum balance criteria.

Features of the scheme: -

  1. All households across the country - both rural and urban are to be covered under the scheme.
  2. Overdraft facility of Rs 5,000 for Aadhar-linked accounts after satisfactory operation in the account for 6 months.
  3. A minimum monthly remuneration of Rs 5,000 to business correspondents who will provide the last link between the account holders and the bank.
  4. Issue of RuPay Debit Card with inbuilt Rs 1 lakh personal accidental insurance cover provided by HDFC Ergo and a life cover of Rs 30,000 provided by LIC.

Benefits under PMJDY scheme : -

  • Interest on deposit will be given.
  • Under this scheme accidental insurance cover of Rs. 2 lakhs is provided.
  • No minimum balance required. Account can be opened with zero balance.
  • The scheme provide life cover of Rs. 30,000/- payable on death of the beneficiary, subject to fulfillment of the eligibility conditions.
  • Easy Transfer of money across India.
  • Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.
  • An overdraft facility will be permitted after satisfactory operation of the account for 6 months.
  • Easy access to pension and insurance products.
  • The Claim under Personal Accidental Insurance under PMJDY shall be payable if the Rupay Card holder have performed minimum one successful financial or non-financial customer induced transaction at any Bank Branch, Bank Mitra, ATM, POS, E-COM etc.
  • Overdraft facility upto Rs. 10,000/- is available in only one account per household, preferably lady of the household.

Documents required to open JanDhan Account : -

Documents needed to open Jan dhan account

  • Aadhar Card 
  • Voter ID card
  • Driving License
  • PAN card
  • Passport
  • Job card issued by NREGA
  • any other document as notified by the Central Government in consultation with the Regulator:
  • 2 copies of signed photographs.

Pradhan Mantri Jandhan Account is a linked platform for 4 social security schemes :-

  1. Pradhan Mantri Jeevan Jyoti Yojana.
  2. Pradhan Mantri Mudra Yojana.
  3. Atal Pension Yojana.
  4. Pradhan Mantri Suraksha Bima Yojana.

The PMJDY scheme has been extended with the change in focus on opening accounts from "every household" to "every adult" with following modifications:

  1. Over draft limit extended from Rs 5,000 to Rs 10,000.
  2. Age limit for availing overdraft facility revised from 18-60 years to 18-65 years.
  3. The accidental insurance cover raised from 1,00,000 Rs to 2,00,000 Rs. for new accounts opened after 28/8/2018.
  4. There is no condition attached for active PMJDY accounts availing OD upto Rs. 2,000.

Contact details: -

Mission Office Address:
Pradhan Mantri Jan Dhan Yojana,
Department of Financial Services,
Ministry of Finance,
Room No. 106,
2nd Floor, JeevanDeep Building,
Parliament Street,
New Delhi-110001
Phone: 011-23361571/23748738

Email: missionfi@nic.in

S.No. State Toll-free number

1

ANDAMAN & NICOBAR ISLANDS 18003454545

2

ANDHRA PRADESH 18004258525

3

ARUNACHAL PRADESH 18003453616

4

ASSAM 18003453756

5

BIHAR 18003456195

6

CHANDIGARH 18001802020

7

CHHATTISGARH 18002334358

8

DADRA & NAGAR HAVELI 18002331000

9

DAMAN & DIU 18002331000

10

GOA 18002333202

11

GUJARAT 18002331000

12

HARYANA 18001802020
13 HIMACHAL PRADESH 18001808053

14

ORISSA 18003456551

15

PUDUCHERRY 18004250016

16

PUNJAB 18001802020

17

JAMMU & KASHMIR 18001800235

18

JHARKHAND 18003456576

19

KARNATAKA 180043000000

20

KERALA 180043000000

21

LAKSHADWEEP 180043000000

22

MADHYA PRADESH 18002334035

23

MAHARASHTRA 18001022636

24

MANIPUR 18003453858

25

MEGHALAYA 18003453658

26

MIZORAM 18003453660

27

NAGALAND 18003453708

28

NCT OF DELHI 18001800124

29

RAJASTHAN 18001806546

30

SIKKIM 18003453256

31

TAMIL NADU 18004254415

32

TELANGANA 18004258933

33

TRIPURA 18003453343

34

UTTAR PRADESH 18001027788

35

UTTARAKHAND 18001804167

36

WEST BENGAL 18003453343

 

 

Caste Person Type Govt

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Your Name
Walmik Tarambak Ghodeswar
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Walmik tarambak Ghodeswar
Please 🙏 more kisi bhi yojna ka nahi mila he

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