Pradhan Mantri Jan Dhan Yojana: National Mission for Financial Inclusion to ensure access to financial services, namely, basic savings & deposit accounts, remittance, credit, insurance, pension in an affordable manner. Under the scheme, a basic savings bank deposit (BSBD) account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet, by persons not having any other account.
In the Central Government’s Pradhan Mantri Jan Dhan Yojana (प्रधानमंत्री जन धन योजना), people get many facilities. The scheme was launched in 2014, whose main objective is to connect the poorest of the poor to the banking system. The benefit of any scheme of the government is passed on to the people through this scheme. If you link Jan Dhan account with Aadhaar, then you can withdraw 5 thousand rupees even without balance (Jandhan Account Overdraft Facility).
If you want to open a Jan Dhan bank account, you can apply for it by going to any bank. But what to do if someone already has a savings account? Explain that if you already have a savings account, then you can also convert it into a Jan Dhan account. Let’s know its way.
Key Highlights of Pradhan Mantri Jan Dhan Yojana
| Name of Scheme | Pradhan Mantri Jan Dhan Yojana (PMJDY) |
| Launched by | By Prime Minister Shri Narendra Modi |
| Beneficiaries | Citizen of India |
| Major Benefit | Open Jan Dhan Account at zero balance |
| Scheme Objective | Plan envisages universal access to banking facilities with at least one basic banking account |
| Scheme under | Central Government |
| Name of State | All India |
| Post Category | Scheme/ Yojana/ Yojna |
| Official Website | pmjdy.gov.in |
Required Documents
- Applicant’s Aadhar Card / Voter’s Identity Card / Driving License / PAN Card
- Mobile number
- Passport size photo
- Address proof
- Passport
- Job card issued by NREGA signed by an officer of the State Government
- ID card with photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions; or
- A letter with a duly attested photograph of the person issued by a Gazetted officer
Eligibility Criteria
An open a Basic Savings Bank Deposit Account (BSBDA) with zero balance under PMJDY, you need to fulfill the below conditions:
- The Applicant must be a citizen of India
- Applicant age should 10 years and above.
- The applicant does not have a bank account.
How to open PM Jan Dhan Account Online?
Step 1- Open a Jan Dhan account, you need a Driving License, Aadhar Card, Voter ID, Passport, PAN Card, any ID card issued by the Central or State Government, other than the MNREGA Job Card Can take.
Step 2- For opening the account, you can download its form from the official website pmjdy.gov.in or from the website of any bank.
Step 3- Fill the form completely, collect the necessary documents.
Step 4- You have to submit the documents to the nearest bank branch.
Step 5- After the documents are verified, your account will be opened.
How to convert old account to Jan Dhan account?
Step 1- It is very easy to convert old bank account into Jan Dhan account.
Step 2- For this go to your bank branch and fill a form there and apply for RuPay card.
Step 3- Complete the form and submit it to the bank.
Step 4- The bank will convert your old account into Jan Dhan account.
Step 5- In this way, your bank savings account will be converted into Jan Dhan account by just filling a form.
Step 6- Opening an account under the scheme is also very easy.
- Type of File : Circular.
- Language : Kannada/English
- Which Department : Education/
- Purpose of Information : Employee..
- Information Size : 852kb.
- Number of Pages : 08.
- Scanned Copy : Yes.
- Information Editable Text : No.
- Location : Karnataka
- Published Date : 2021
- Information Term : Short
- Download Link Available : Yes
- Copy Text : No
- Information Print Enable : Yes
- File Quality : High
- File size Reduced: No
- File Password : No
- Rate : Free of cost
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Important Links :
| Apply Online | Account Opening Form -Hindi Account Opening Form -English |
| Notification | Click Here |
| Pradhan Mantri Jan Dhan Yojana 2022 | Official Website |
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