PM Jan Dhan Yojana (PMJDY)

iAbout This Scheme

National financial inclusion mission ensuring every household has access to a basic savings bank account with zero minimum balance, a RuPay debit card with ₹2 lakh accident insurance, and ₹30,000 life cover.

🎁Key Benefits

• Zero minimum balance savings bank account
• RuPay debit card with ₹2 lakh accident insurance cover
• ₹30,000 life insurance cover (for accounts opened by Jan 26, 2015)
• Overdraft facility up to ₹10,000 (for eligible account holders)
• Direct benefit transfer for all government schemes
• Mobile banking access

✅Eligibility Criteria

• 1
  Any Indian citizen without a bank account
• 2
  Age 10+ can open independently; below 10 with guardian
• 3
  No income or caste restriction — universal financial inclusion

📝How to Apply

❓Frequently Asked Questions