Jan Dhan Yojana & Accounts
Banking Services for Financial Inclusion
Pradhan Mantri Jan Dhan Yojana (PMJDY) provides eligible individuals access to basic banking and financial services. Get information about Jan Dhan accounts, account benefits, RuPay debit cards, DBT and other available banking facilities.
What is Pradhan Mantri Jan Dhan Yojana
The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a financial inclusion initiative of the Government of India. It aims to provide access to basic banking services to people who are not adequately covered by formal banking facilities.
A Jan Dhan Account can provide access to basic savings facilities and other eligible financial services through participating banks and authorised banking channels.
Jan Dhan Account Benefits
1.Basic Bank Account
Access basic banking facilities through an eligible PMJDY account.
2.No Minimum Balance
PMJDY basic savings bank deposit accounts have no minimum balance requirement, subject to applicable banking rules.
3.RuPay Debit Card
Eligible PMJDY account holders can receive a RuPay debit card with applicable benefits and conditions.
4.Direct Benefit Transfer
Eligible government scheme benefits can be received through DBT when the relevant eligibility and account requirements are fulfilled.
5.Overdraft Facility
Eligible PMJDY account holders may get access to an overdraft facility subject to applicable conditions.
6.Financial Services
PMJDY helps connect eligible customers with various financial services such as insurance, pension and credit facilities.
Why Choose a Jan Dhan Account?
Access Basic Banking Services
A Jan Dhan account can help eligible individuals become part of the formal banking system and access applicable banking facilities. It can also support the receipt of eligible government benefits through Direct Benefit Transfer.
Easy Banking Access
Access basic banking services through participating banking channels.
Digital & Direct Payments
Eligible government benefits can be transferred directly through DBT.
Financial Inclusion
Connect with applicable banking, insurance, pension and credit facilities.
FAQ
What is a Jan Dhan Account?
A Jan Dhan Account is a basic bank account available under the Pradhan Mantri Jan Dhan Yojana for eligible individuals.
Is a Jan Dhan Account a zero balance account?
PMJDY basic savings bank deposit accounts have no minimum balance requirement, subject to applicable banking terms.
Can government benefits be received in a Jan Dhan Account?
Eligible government benefits can be received through DBT when the beneficiary and account satisfy the relevant requirements.
Is a RuPay card available with a Jan Dhan Account?
Eligible PMJDY account holders can receive a RuPay debit card subject to the applicable conditions.
Is overdraft available with a Jan Dhan Account?
Eligible PMJDY account holders may receive an overdraft facility subject to the applicable eligibility conditions.
Where can I open a Jan Dhan Account?
You can approach a participating bank branch or authorised Bank Mitra/Business Correspondent for account opening information.