Prime Minister Jan Dhan Yojana

Prime Minister Jan Dhan Yojana

Prime Minister Jan Dhan Yojana

Pradhan Mantri Jan Dhan Yojana - The Prime Minister Jan Dhan Yojana is one of the important achievements of Prime Minister Narendra Modi. On August 28, 2014, Prime Minister Narendra Modi launched the scheme. The purpose of this scheme was to give benefits to the banking facilities to every family and to make available the bank account of every person.

What is the Jan Dhan Yojana, what are the benefits of this scheme, how to apply online for this scheme, how to open Jan Dhan Account, important documents for planning, we are going to tell you about this scheme Which is as follows -

What is the Jan-Dhan scheme?

Jan Dhan Yojana, which means "All-together-all development" Yes this scheme was started by Prime Minister Narendra Modi as a national mission. The purpose was to provide financial services to people like banking, savings and deposit accounts.

Under this scheme, such population is being linked to banking facilities. Which were not taking advantage of banking facilities so far. This scheme has been created keeping in mind the poor, so that they can develop a sense of savings, take care of the security of their future and become self-reliant.

Opening the Zero Balance, the RUPAY debit card will be made available to the people in this account, along with an accident cover of up to one lakh rupees.

Jan Dhan Yojana

Jan Dhan Yojana

Purpose of Jan Dhan Yojana 

The purpose of providing different financial services such as basic savings bank accounts to weaker sections and low income groups.
The purpose of providing loan or loan as per need.
The purpose of ensuring remittance facility, insurance and pension.
Benefits from Jan-Dhan Yojana - Jan Dhan Yojana Benefits
You will get interest on deposits.
Accidental insurance cover of 1 lakh rupees will cover.
 There is no need for a minimum balance.
Life insurance of Rs 30,000 will be payable to the beneficiary as per his death.
Overdraft facility will be available in only one account up to Rs 5000 per family.
Overdraft facility will be available after 6 months.
Pension, insurance products.
 Rupee Debit Card Will Benefit.
The exchange of money will be easy.
Special Points of Jan Dhan Account
Jan Dhan Account can be opened on zero balance.
Under this scheme, the account holder can also take a loan from the bank.
After 6 months of opening the account, you can take a loan up to Rs 5000 from the bank.
Under the Jan Dhan Yojana, the account holder is given a Rupee Debit Card, which you can use as an ATM.
Under this scheme, two people of most families can open Zero Balance Account.
This money-laundering account is free to withdraw, deposit, transfer funds, mobile banking facility is all free.
Basic amenities given under Prime Minister Jan Dhan Yojana -Basic facilities given under Prime Minister Jan Dhan Yojana
Under the Prime Minister Jan Dhan Yojana, the bank gives interest to whatever money is given to the bank's savings account.

Accident Insurance:
The bank account opened under this scheme gives the benefit of accident insurance upto Rs 1 lakh.

Zero balance account:
You do not need the money to open a bank account under the Prime Minister Jan Dhan Yojana. You can open an account without money, i.e., zero balance account.

Life Insurance:
Under this plan, life insurance is available which the account holder gets. This life insurance is of 30,000 rupees.

Direct Benefit Of Government Schemes:
Through public funding, you can take advantage of all the government schemes. This means that you will get the direct benefit of government schemes.

Pension Scheme:

You can easily apply for pension scheme and insurance plan using this account.

overdraft facility:

Through this account you  also apply for overdraft. If the transaction made in your account is satisfactory for 6 months, then you can apply for overdraft applications. Under this scheme, only 5 thousand rupees can be given for overdraft.

 Documents required for Prime Minister's Jan Dhan Yojana

Under the Pradhan Mantri Jan Dhan Yojana, you will have to submit documents according to the rules laid down by KYC, of ​​which some list of documents has been given below -

driving license.
PAN card
Election Card
job card.
A copy of Aadhaar card issued by UIAI
Identity card issued by Central Government
Ability to open an account under the Prime Minister Jan Dhan Yojna
Citizenship - Under the Prime Minister Jan Dhan Yojana it is necessary to be a citizen of the country.
Minor can open account - A minor who is 10 years old can also open an account under this scheme, but he must have a Guardian.
Small account - Under this, if anyone has no proof of India's citizenship, then by verification they will open the Prime Minister's public money account under Low Risk categorying which will remain valid for one year till the holder has to provide the correct document.
Verified certificates - If any citizen has any identity card verified by a Gazetted Officer under public fund scheme he can open an account under the Prime Minister Jan Dhan Yojna.
Account Transfer- If a citizen already has an account, he can transfer his account under the Prime Minister Jan Dhan Yojana and take advantage of all the facilities.
In order to open an account, you will have to fill in the form given by the bank with complete information, in which the applicant's full details, applicant's full name, marital status, address and PIN code, phone, Aadhaar number, MNREGA job card number, business / employment and annual The number of income and dependents and the bank account information will be filled in advance.
How to apply online for the Prime Minister Jan Dhan Yojana? - How to apply online for Prime Minister Jan Dhan Yojana?
If you want to apply online for the Prime Minister's Jan Dhan Yojna, you can make a direct application for this scheme by going to the bank's website which is to open the account for which you also have to open the account.

At the same time, we are going to tell you that information about which bank can apply under this scheme is given below:

Public Bank for the Prime Minister's Jan Dhan Yojana

Allahabad Bank
Canara Bank
Central Bank of India
Corporation bank
Andhra Bank
Bank of Baroda
Bank of India
Bank of Maharashtra
Indian women bank
Dana bank
Indian bank
Oriental Bank of Commerce
state Bank of India
Syndicate Bank
Union bank of india
Punjab & Sind Bank
Punjab National Bank
Vijaya Bank

Private banks for the Prime Minister's Jan Dhan Yojana

Axis Bank Limited
Dhanalakshmi Bank Limited
Federal Bank Limited
HDFC Bank Limited
ICICI Bank Limited
IndusInd Bank Limited
Karnataka Bank Limited
Kotak Mahindra Bank Limited
Yes Bank Limited
Through the Prime Minister Jan Dhan Yojana, the Prime Minister has tried to empower the poor, along with the sense of savings in the poor have developed and a sense of security for the future has also been born. With this scheme, the country's money will also be safe and with this, the work of public interest will also be encouraged.

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