Pradhan Mantri Jan Dhan Yojana
Scheme Scope: All India (Central Scheme)
PMJDY ek Zero Balance savings account scheme hai. Iska matlab hai ki aapko bank account mein paise maintain karne ki koi tension nahi hai.
About This Scheme
Ye scheme "Financial Inclusion" ke liye banayi gayi hai.
Iska main goal hai ki sarkari fayde (Direct Benefit Transfer - DBT) seedhe logon ke bank account mein aayein, bina kisi middleman ke.
Is account ke saath aapko insurance, pension, aur loan jaisi suvidhayein bhi milti hain.
Isme aapko ek RuPay Debit Card milta hai aur sath hi muft mein Accident Insurance bhi di jaati hai.
Who Can Apply?
Indian Citizen: Aapka Bharat ka nagrik hona zaroori hai.
Age: Kam se kam 10 saal ya usse upar ki age honi chahiye.
No Other Account: Ye scheme unke liye hai jinka pehle se koi bank account nahi hai.
Benefits
PMJDY account hone ke bahut saare fayde hain:
Accidental Insurance: RuPay card ke saath ₹2 Lakh tak ka muft accident insurance milta hai (un accounts ke liye jo 28.08.2018 ke baad khule hain).
Overdraft Facility: Agar aap apna account achhe se maintain karte hain (6 mahine tak),
toh aap ₹10,000 tak ka loan (overdraft) le sakte hain, bhale hi aapke account mein paise na hon.
Direct Benefit Transfer (DBT): Gas subsidy, kisan samman nidhi, ya kisi bhi sarkari scheme ka paisa seedhe is account mein aata hai.
Life Cover: Kuch purane accounts par ₹30,000 ka life insurance cover bhi milta hai.
Application process
Offline Process (Sabse easy):
Bank Jaayein: Apne paas ke kisi bhi Sarkari (Public Sector) ya Private bank mein jayein.
Form Maangein: Wahan se "Jan Dhan Account Opening Form" lein.
Details Bharein: Apni details (Naam, Address, Occupation etc.) bharein.
Documents Attach Karein: Aadhaar Card aur Passport size photo sabse zaroori hain. (Agar Aadhaar nahi hai toh Voter ID, Driving License, ya MNREGA card bhi chalega).
Submit Karein: Form submit karne ke baad aapko turant passbook mil jayegi.
Online Process:
Bahut saare banks (jaise SBI, PNB, Axis) apni website par PMJDY account kholne ka option dete hain.
Aap bank ki official website par jaakar "Jan Dhan Account" section mein details bhar sakte hain,
lekin KYC verification ke liye ek baar bank ya "Bank Mitra" ke paas jana pad sakta hai.
How to Apply
Click the button below to apply directly on the official Portal.
Apply