Home (PMJDY) PRADHAN MANTRI JAN DHAN YOJANA प्रधानमंत्री जन धन योजना (APPLY ONLINE): REGISTRATION, OVERVIEW, OBJECTIVE, BENEFITS, & ELIGIBILITY
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(PMJDY) PRADHAN MANTRI JAN DHAN YOJANA प्रधानमंत्री जन धन योजना (APPLY ONLINE): REGISTRATION, OVERVIEW, OBJECTIVE, BENEFITS, & ELIGIBILITY

jan dhan yojana

Pradhan Mantri Jan Dhan Yojana is for the national mission for financial inclusion to ensure access to financial services like savings and deposit account, credit, pension, insurance is provided in an affordable manner. Under the scheme, a basic saving bank account can be opened in any branch of the bank by a person not having any other bank account. The scheme was launched by our prime minister Narendra Modi in the year 2014 on independence day.


The scheme is run by the Ministry of Finance and over 15 million bank accounts were opened under this scheme on its inauguration day. The scheme is initiated to empower the rural sections of society in financial terms. The scheme will enable citizens of the country to be aware of the banking and saving options. The rural people will get equal opportunities under this scheme.

This initiative will enable us to save some money in bank accounts of rural people and keep it safe and secure. The social issues of India like lack of education, inequality, etc will get eradicated under this scheme. All the government benefits are provided under this scheme to the beneficiaries. More than 40 crore bank accounts have been opened in these six years of launching this scheme.

OBJECTIVES OF THE SCHEME (PRADHAN MANTRI JAN DHAN YOJANA) प्रधानमंत्री जन धन योजना


• To boost the economy of the country.


• To make poor people financially secure.


• To bring equality in society.


• Poor people will be able to live a life of comfort and ease.


• For growth and development of poor people financially.


• To ensure access to various financial services like availability of basic savings account, pension to weaker sections of society, and low-income groups.

Also, read – Bina Mulya Samajik Suraksha Yojana 2020: Apply Online, Objective, & Benefits

BENEFITS (PRADHAN MANTRI JAN DHAN YOJANA) प्रधानमंत्री जन धन योजना


 It gives the right to open a bank account with minimum documentation.


 A zero minimum balance is required if the customer wants to have some additional facilities like passbook, checkbook, etc.


 Debit cards will also be provided to customers which will enable them to withdraw money from any ATM across the country.


 An overdraft facility can be availed by customers.


 A loan facility of rupees 5,000 can be availed after 6 months of opening a bank account.


 The mobile banking system and the facility are also available to check their account’s balance on mobile through the bank’s app.

ELIGIBILITY CRITERIA AND BENEFICIARIES OF THE YOJANA


 Any individual above the age of 10 years.


 The applicant should be a citizen of India.


 The applicant should not have a bank account already.


 Retired bank employees


 Retired teachers


 Retired government employees


 Ex-servicemen


 Individual owners of Kirana shop, medical shop, etc.


 Agents of small saving schemes of the government of India


 Nonbanking financial companies that don’t take deposits

DOCUMENTS REQUIRED FOR APPLYING


 Aadhaar Card
 Voter id
 Driving license
 Pan Card
 Passport
 NREGA card
 Identity card with the applicant’s photograph which is issued by central/ state government departments.

Also, ReadRajashtan Mukhyamantri Yuva Sambhal Yojana: Online registration, Benefits

STEPS TO APPLY ONLINE (PRADHAN MANTRI JAN DHAN YOJANA) प्रधानमंत्री जन धन योजना

Official Websitehttps://pmjdy.gov.in/

  1. First, visit the official website of the government.
  2. On the homepage of the website, click on the option to apply online.
  3. Then, a form will appear on the screen.
  4. Then, fill the form with all the necessary basic details like a name. address, Aadhaar card number, pan card number, occupation, etc.
  5. Details of the existing bank account of any family member.
  6. Then submit the form by uploading all the documents with it.
  7. The applicant can download the form in Hindi and English languages.

The scheme is initiated to ensure that every individual has a bank account of its own to have access to banking facilities and various financial subsidies that are passed by the government. It’s considered to be a financial inclusion scheme which refers to that more and more people are involved in the country’s financial system and are able to avail financial services. There are millions of individuals who do not have a bank account and keep their money at home or give to some moneylender where it is not safe and not well-regulated. This scheme helps such people and makes sure that they get affordable financial products like bank accounts, credit services, pension, insurance facilities, etc.

Under the scheme, the financial literacy program has been started which has been taken up to the village level to make them understand the whole financial mechanism. The scheme aims to provide financial services to every household of the country. Through the scheme, the government is committed to doing the welfare of the people. The scheme provides a platform for availing financial services by having at least one bank account of a family member in a household. It covers both urban and rural areas of the country. The facility of debit cards and credit cards, an overdraft facility is also available for every beneficiary. The call center and toll-free number facilities are also available throughout the whole country.

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