Pradhan Mantri Jan Dhan Yojana Account (PMJDY) – Benefits / Form @ pmjdy.gov.in

Published Date - 28 March 2018 02:15:38 Updated Date - 15 April 2018 02:34:01

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance and Pension in an affordable manner.

Pradhan Mantri Jan-Dhan Yojana is a government scheme launched by the government of India to provide easy access to financial services such as Remittance, Credit, Insurance, Pension, Savings and Deposit Accounts to poor and needy section of our society. This is a financial inclusion scheme which was officially launched on 15 August 2014 by Prime Minister Narendra Modi. The main purpose behind the launch of this program was to ensure an easy financial access to everyone at national level. The scheme would particularly benefit those who have failed to receive the benefits of various financial schemes offered by the government of India in the past.

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.

Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. Accounts opened under PMJDY are being opened with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.

This account will provide them various yojana benefits directly into their account like remittance, credit, insurance and pension. For this, candidates can see yojana rules and download pradhan mantri jan dhan yojana form at pmjdy.gov.in

People can easily open jan dhan account in any bank branch or with business correspondent (bank mitr). If any person does not possess the officially valid documents then he can open small account subject to the jan dhan yojana rules. Moreover, people can also avail jan dhan yojana loan through any bank.

People can avail all the jan dhan yojana benefits through pdf download of the application form and opening an account. In these accounts, there is also a facility of Rupay Card, Kisan Credit Card (if eligible) and an overdraft (after 6 months of account opening and successful operation).

 Document required to open an account under Pradhan Mantri Jan-Dhan Yojana

An account can be opened by presenting an officially valid document.

●the passport

●the driving licence

●the Permanent Account Number (PAN) Card,

●the Voter’s Identity Card issued by Election Commission of India,

●job card issued by NREGA duly signed by an officer of the State Government,

●the letter issued by the Unique Identification Authority of India containing details of name, address and Aadhaar number, or

●any other document as notified by the Central Government in consultation with the Regulator: 
Provided that where simplified measures are applied for verifying the identity of the clients the following documents shall be deemed to be officially valid documents:—

  1. identity card with applicant's Photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions;
  2. letter issued by a Gazetted officer, with a duly attested photograph of the person.

Documents for Opening Jan Dhan Yojana Account –

Any One of the Following Documents For Account Opening

Passport

Driving Licence (DL)

Permanent Account Number (PAN)

Aadhaar Card or Letter from UIDAI containing Name, Aadhar Number and Address

MNREGA Job Card with signature of state govt. officer

Voter Id Card

Any other document notified by central govt. in consultation with regulator.

To verify a person’s identity, identity card issued by state / central govt. departments, statutory or regulatory authorities, PSUs, Scheduled Commercial Banks, Public Financial Institutions and Letter Issued by Gazetted Officer can be treated as valid documents.

 Pradhan Mantri Jan Dhan Yojana Form – Account Opening

All the interested individuals who wishes to open their personal savings account can download this application form. PM Jan Dhan Yojna Form must be dully filled and submitted along with necessary documents. In case the officially valid documents are not present, then poor people can open their small account. To download the application form in pdf format, click the link given below:-
PM Jan Dhan Yojana Form (PDF) – English
PM Jan Dhan Yojana Form (PDF) – Hindi

  • Accordingly, Pradhan Mantri Jan Dhan Yojana Account Opening Form will appear on the screen.
  • Fill in all the necessary details along with the nominee details. People can avail nomination facility at the time of account opening.
  • Finally, candidates can submit this form along with necessary documents to open their zero balance account.

Jan Dhan Yojana Rules

Jan Dhan Yojana Account can be opened with 0 balance. But to avail facilities like cheque book, people have to maintain minimum balance. As per RBI notification, all the people who does not possess officially valid documents can open “Small Accounts” with banks. For this, poor people needs to provide self attested photograph along with his signature / thumb impression in the presence of bank officials.

People must follow Jan Dhan Yojana Rules for Small Account which are as follows:-

  1. People cannot deposit more than 1 lakh rupees in their account in a single year.
  2. The maximum amount that can be withdrawan from a jan dhan account is Rs. 10,000 per month.
  3. Maximum balance in Jan Dhan Accounts can never be more than Rs. 50,000 at a single point of time.
  4. Such account remain valid for 1 year or 12 months. These accounts will get continued for another 1 year in case the account holder submits a document as a proof that he has already applied for officially valid document within the first 1 year of opening small account.

Jan Dhan Yojana Benefits

There are certain special benefits under PMJDY Scheme which are as follows:-

  • Jan Dhan Yojana Account provides Interest on Deposits.
  • People will also get an accidental insurance cover of Rs. 1 Lakh.
  • Initial deposit and Maintaining balance is zero in this account.
  • All the account holders will get life cover of Rs. 30,000 payable at death of beneficiary.
  • This yojana account provides facility of easy transfer of money across the country.
  • People will get benefits of various government schemes directly through Direct Benefit Transfer (DBT) in this account.
  • All the candidates who have successfully operated their account for 6 months will become eligible for Overdraft facility up to Rs. 5000.
  • People will get access to pension and other insurance products.
 

List of banks offering Pradhan Mantri Jan Dhan Yojana

There are various public and private sector banks in India that provide the Pradhan Mantri Jan Dhan Yojana scheme. Listed below are the names of public and private sector banks offering the PMJDY scheme:

Private sector banks offering PMJDY

  • HDFC Bank Ltd.
  • ICICI Bank Ltd.
  • YES Bank Ltd.
  • Karnataka Bank Ltd.
  • Kotak Mahindra Bank Ltd.
  • Axis Bank Ltd.
  • Dhanlaxmi Bank Ltd.
  • Federal Bank Ltd.
  • IndusInd Bank Ltd.
  • ING Vysya Bank Ltd.
  • Andhra Bank
  • Bank of Baroda (BoB)
  • Bank of India (BOI)
  • Allahabad Bank
  • Vijaya Bank
  • Central Bank of India
  • IDBI Bank
  • Syndicate Bank
  • Punjab National Bank (PNB)
  • Union Bank of India
  • Indian Bank
  • Corporation Bank
  • Bank Of Maharashtra
  • Canara Bank
  • Oriental Bank of Commerce
  • Punjab & Sind Bank
  • Bhartiya Mahila Bank
  • Dena Bank
  • State Bank of India (SBI) and all its 5 affiliated banks which include – State Bank of Hyderabad, State Bank of Mysore, State Bank of Bikaner & Jaipur, State Bank of Travancore and State Bank of Patiala.

Public sector banks offering PMJDY

Under this scheme, opening a bank account has become very easy. The government of India has allowed these private and public banks to conduct special camps on Saturdays from 8 am to 8pm to help people open bank accounts under PMJDY

References

— In case of further query, please call National Toll Free Number: 1800-11-0001 or 1800-180-1111.
— For more details on Pradhan Mantri Jan Dhan Yojana, please visit the official website pmjdy.gov.in

 


Leave Your Comment Here