How to open Pradhan Mantri Jan Dhan Yojna – Direct by Bank – Get benefits of Sarkari Yojna

How to Open a Pradhan Mantri Jan Dhan Yojna Account

Hi there, today I’m going to explain how you can open a Pradhan Mantri Jan Yojna Dhan account! Before you start, it’s good to know what benefits it offers, its special features, who can apply, the documents you’ll need, and how to apply. This will help you avoid any problems while opening your account.

The Jan Dhan account scheme is one of the government’s big plans! With this plan, anyone can open an account without needing to keep a minimum balance! There are many people who don’t have their own bank accounts, and this prevents them from accessing government benefits.

The government has introduced several plans that require applicants to have their own bank accounts. To make sure even the poorest people can benefit, they started the Pradhan Mantri Jan Dhan Yojana. This allows even people with very little money to open an account and save money without any fees.

More than 50 crore accounts have been opened under the Pradhan Mantri Jan Dhan Yojana so far! People have deposited over 2 lakh crore rupees into these accounts! It has been 9 years since the launch of this scheme! You can open an account through a bank or even with a bank friend near your village or locality! Over 1.26 lakh bank friends are bringing this service to people’s doorstep!

About Pradhan Mantri Jan Dhan Yojna 2023

The Pradhan Mantri Jan Dhan Yojana was launched by the Prime Minister on August 15, 2014! It’s a financial inclusion scheme with a 100% guarantee. This scheme promotes zero-balance accounts, especially for the economically disadvantaged. In the past, many people didn’t have their own bank accounts, which prevented them from benefiting from government schemes. To extend these benefits to such people, the government initiated the PM Jan Dhan Yojana to open Jan Dhan accounts.

It’s been 9 years since the launch of this scheme! It’s considered a high-quality plan among all government initiatives. More than 50 crore Indian citizens have benefited by opening Jan Dhan accounts through this scheme! You can open this account using just your Aadhaar card; a PAN card isn’t necessary. There are other special features of this account, which will be explained in the post below.

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Benefits of Pradhan Mantri Jan Dhan Yojna Account

All poor or middle-class citizens should definitely consider opening an account under the Jan Dhan Yojana! This account comes with many features that directly benefit individuals. The advantages and special features are as follows:

1. Even the poorest people can open an account under the Jan Dhan Yojana!
2. This account can be opened with a zero balance.
3. You can open this account at both banks and bank friends’ locations.
4. You can maintain both maximum and minimum balances in this account.
5. Women who have had a bank account for 6 months can avail of an overdraft of up to 5000 rupees (overdraft) without any interest.
6. This account includes insurance coverage of up to one lakh rupees.
7. During pandemics like COVID-19, the government provides funds in this account for sustenance.
8. A debit card facility is available with zero balance.
9. After 6 months of maintaining the account, the facility of overdraft (credit card) is available.
10. You can open an account without a PAN card.

Documents required for Pradhan Mantri Jan Dhan Yojna

The documents required to open a Pradhan Mantri Jan Dhan Yojana account are as follows:

1. Aadhaar Card: Your current Aadhaar card is necessary.
2. Identity Proof (Voter ID, Driving License, Passport, etc.): Any valid identity proof with your photograph is necessary for verification.
3. Photograph: A passport-sized photograph is required.
4. Income Proof (Salary slip, Income Tax Return, or Government-issued certificate for normal loans): This document is needed to verify your income.
5. Address Proof (Address given on Aadhaar card, Passport, Voter ID): This document may be required to verify your current address.

With these documents in hand, you can open a Pradhan Mantri Jan Dhan Yojana account. Please ensure that you provide accurate and complete information on the documents.