At present, a bank account is very important. To ensure everyone has one, the central government, led by Narendra Modi, started the Pradhan Mantri Jan Dhan Yojana (PMJDY).
The Jan Dhan Yojana was started on 28 August 2014. In this scheme, beneficiaries can easily open a zero-balance account. According to the Jan Dhan Yojana’s official website, there are 52.39 crore beneficiaries, meaning 52.39 crore Jan Dhan accounts.
There is a slight difference between a Jan Dhan account and a normal bank savings account. Jan Dhan accounts provide more benefits than savings accounts.
Benefits of Jan Dhan Savings Account
- Interest is received on the amount deposited in the Jan Dhan Savings Account.
- Jan Dhan Yojana also provides accident insurance of Rs 1 lakh and life cover of Rs 30 thousand.
- There is no limit to keeping a minimum balance in Jan Dhan’s account.
- In the Jan Dhan Yojana, the beneficiary gets an overdraft facility of Rs 10,000.
- After opening the Jan Dhan account, the beneficiary gets a Rupay debit card (Rupay ATM).
How To Open Jan Dhan Account
If you want to open a Jan Dhan account, you can go to the post office or bank and get the account opened. An Aadhaar Card and PAN Card are mandatory to open an account.
The applicant must be at least 10 years old to open an account. Bank account holders can also change their savings account to a Jan Dhan account.
How To Open Jan Dhan Account Online
- You go to the official website of Jan Dhan Yojana (https://www.pmjdy.gov.in/).
- Now select one option from the Account opening form in Hindi/Account opening form in English.
- Now, download the bank account opening form.
- After this, fill out all the information in the form, attach the documents, and submit it to your nearest bank.
