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(PMJDY)) Pradhan Mantri Jan-Dhan Yojana 2024: Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, a 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.
Pradhan Mantri Jan-Dhan Yojana 2024: Overview
• Name of the scheme : Pradhan Mantri Jan Dhan Yojana
• Where to take profit : Avail benefits all over India
• Application Process : Offline
• Article type : Government scheme
• Payment Process : Online
• Name of Department : Ministry of Finance
• Benefits Amount : An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available
• Official Website : pmjdy.gov.in
Achievements under Pradhan Mantri Jan-Dhan Yojana 2024
• Approx. 32.41 crore Jan Dhan accounts have been opened with more than Rs 81,200 crore of deposit balance.
• 53% women Jan Dhan account holders and 59% Jan Dhan accounts are in rural and semi urban areas. More than 83% operative Jan Dhan accounts (except states of Assam, Meghalaya, J&K) are Aadhaar seeded, with issuance of approx 24.4 crore RuPay cards to these account holders.
• More than 7.5 crore Jan Dhan accounts receiving DBTS.
• Banking Correspondents (BCs) have been deployed in 1.26 lakh Sub Service Areas (rural areas), each catering to 1000-1500 households. Nearly 13.16 crore Aadhar Enabled Payment System (AePS) transactions have taken place through BCs during the month of July, 2018.
• 13.98 crore subscribers under Pradhan Mantri Suraksha Bima Yojana (PMSBY) with 19,436 claims, involving an amount of Rs. 388.72 crore settled so far.
• Similarly, 5.47 crore subscribers under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) with 1.10 lakh claims, involving an amount of Rs. 2206.28 crore settled so far.
• 1.11 crore persons have subscribed for Atal Pension Yojana (APY).
Pradhan Mantri Jan-Dhan Yojana 2024 Benefits
• One basic savings bank account is opened for unbanked person.
• There is no requirement to maintain any minimum balance in PMJDY accounts.
• Interest is earned on the deposit in PMJDY accounts.
• Rupay Debit card is provided to PMJDY account holder.
• Accident Insurance Cover of Rs.1 lakh (enhanced to Rs. 2 lakh to new PMJDY accounts opened after 28.8.2018) is available with RuPay card issued to the PMJDY account holders.
• An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available.
• PMJDY accounts are eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), Micro Units Development & Refinance Agency Bank (MUDRA) scheme.
Who can benefit from Pradhan Mantri Jan-Dhan Yojana?
• A basic savings bank account is opened for a person without a bank account.
• The age of the applicant should be above 10 years.
Pradhan Mantri Jan Dhan Yojana 2024 Document List
Pradhan mantri jan dhan yojana 2024 requirement of document list below.
If Aadhaar card then no other document is required.
• If Aadhaar Card is not available then Government approved document like Election Card, Pan Card, Election Card, Driving License, Passport, NREGA Card.
• If an applicant does not have any of the above documents.. they are included in the “low risk” category by the bank. Who can open a bank account by presenting the following proofs.
(a) Applicant’s Photo Identity Card issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks and Public Financial Institutions;
(b) Letter issued by a Gazetted Officer with a duly attested photograph of the said person.
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