Pradhan Mantri Jan Dhan Yojana Account | Online Apply | Benefits

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Pradhan Mantri Jan Dhan Yojana

Pradhan Mantri Jan Dhan Yojana was announced by the Prime Minister of our country Shri Narendra Modi on 15th August 2014 and this scheme has been started on 28th August 2014. Under this scheme, in the bank of poor people of the country, post office. and accounts will be opened in the bank of poor people of the country, at zero balance in the post office and nationalized banks. The facility will be provided with an overdraft facility of Rs 5000 and accident insurance cover of Rs 1 lakh built-in to RuPay Debit Card and RuPay Kisan Card.

Complete years of Pradhan Mantri Jan Dhan Yojana

Like you all know. Pradhan Mantri Jan Dhan Yojana was launched on 15 August 2014 by the Prime Minister of our country, Shri Narendra Modi. One of the biggest schemes of the Modi government is the Pradhan Mantri Jan Dhan Yojana, which has completed 6 years today. Today, when it has completed 6 years, PM Modi congratulated the people by tweeting and kept the main things related to this scheme in front of all the citizens. The Prime Minister has tweeted that the purpose of this scheme was to connect those people who were deprived of it with the banking system. This initiative has proved to be a game changer.

Pradhan Mantri Jan Dhan Yojana Life Insurance Cover

As you all know, the Pradhan Mantri Jan Dhan Yojana was started to open the account of all the citizens of the country. Through this scheme the facility of opening a zero balance account is provided to the beneficiary. Along with this, they are also provided with RuPay Debit Card. Many other facilities are also provided to the beneficiaries under this scheme. For example, if the beneficiary has an accident, then a cover of ₹ 100000 in this situation and ₹ 30000 financial assistance to the beneficiary’s family if the beneficiary dies. The beneficiary can avail the benefit of life cover only if he has opened his account for the first time under Pradhan Mantri Jan Dhan Yojana between 15 August 2014 to 26 January 2015.

Pradhan Mantri Jan Dhan Yojana New Updates

As you all know , the beginning of Pradhan Mantri Jan Dhan Yojana was to connect every citizen of the country with banking facilities. Many citizens of the country have got benefits under this scheme. Now a new calling facility is being made available under the Pradhan Mantri Jan Dhan Yojana. Through this calling facility, account holders can get any type of information related to the account. This calling facility will be toll free and separate numbers will be made available for all the states of the country. Now account section can solve any problem sitting at home by contacting this toll free number. They will not need to go to the banks. This will save both time and money and bring transparency in the system.

PM Jan Dhan Yojana 2021 Highlights

scheme name
Pradhan Mantri Jan Dhan Yojana
started by
By Prime Minister Shri Narendra Modi
launch date
15 अगस्त
2014
Beneficiary Indian Citizen

Some special features of Pradhan Mantri Jan Dhan Yojana

Jan Dhan Yojana was started by the Prime Minister of our country, Shri Narendra Modi in the year 2015. Zero balance accounts were opened under this scheme. So far more than 1.20 crore accounts have been opened under the Pradhan Mantri Jan Dhan Yojana. In which Rs 1,31,639 crore is deposited. Through this scheme, the government has set a target to connect every citizen of the country. During the Kovid-19 lockdown, ₹ 500 per month was sent by the government to the Jan Dhan accounts of women. More than 20 crore women got benefit under this scheme. The accounts opened by the government under the Jan Dhan Yojana are used to provide benefits of any government scheme. Some of the special features of Jan Dhan Yojana are as follows.

  • The savings account of the beneficiary is opened under the Pradhan Mantri Jan Dhan Yojana .
  • There is no need to maintain any minimum balance in the account opened under this scheme.
  • Interest is also provided by the bank on the accounts opened under the Pradhan Mantri Jan Dhan Yojana.
  • Under this scheme, a debit card is given to the beneficiary.
  • Accidental insurance cover of ₹ 200000 is also provided under the Pradhan Mantri Jan Dhan Yojana. But you can avail this facility only if you have used a debit card.
  • Life insurance cover of ₹ 30000 is also provided under this plan.
  • Overdraft facility of ₹ 10000 is also available on Pradhan Mantri Jan Dhan account, but to take advantage of this facility, it is mandatory for the beneficiary’s account to be linked with Aadhaar.
  • This account is also used by the government for direct benefit transfer for any scheme.

Purpose of Pradhan Mantri Jan Dhan Yojana 2021

As you know that there are many people who are not able to open their bank account and are not aware of the banking facility being provided by the bank. This is a very good initiative of the central government for the poor families . Under the scheme 2021 , to provide financially poor people of the country, backward class people the facility of opening an account in the bank on zero balance and providing facility of getting loan based, transfer facility, insurance and pension facility. Through Pradhanmantri Jan Dhan Yojana 2021 , financial services like Banking / Savings, Deposit Account, Remittance, Loan, Insurance, Pension etc. have to be made accessible to all effectively.

Pradhanmantri Jan Dhan Yojana Game Changer

  • Many poor people of the country have benefited through this scheme. PM Modi further wrote, ‘Due to the Pradhan Mantri Jan Dhan Yojana, the future of crores of families has been secured, in which most of the people are from rural areas and are women. who have worked for this scheme.
  • Under Pradhan Mantri Jan Dhan Yojana 2021 , more than 40.35 crore accounts have been opened in which Rs 1.31 lakh crore have been deposited.
  • Out of the total accounts opened under this scheme, 63.6% are opened in rural areas and 55.2 percent account holders are women.
  • Now there is also the facility of getting debit card in Jan Dhan accounts.

How many accounts have been opened in Jan Dhan Yojana till now?

So far more than 40 crore bank accounts have been opened under this scheme. According to the figures so far, the number of beneficiaries under this scheme has reached 40.05 crore and more than Rs 1.30 lakh crore has been deposited in these bank accounts. In view of the success of this scheme, the government increased the accident insurance of one lakh rupees to two lakh rupees to the account holders under this scheme.

Pradhanmantri Jan Dhan Yojana 2021

Under this scheme, the poor people of all rural and urban areas of the country will be benefited. Under this scheme, if the eligible beneficiary dies due to opening of account, then an additional insurance cover of Rs 30,000 will also be given by the central government to the beneficiary’s family. provide an additional insurance cover of Rs 30,000 to the beneficiary’s family.) Pradhanmantri Jan Dhan Yojana 2021 is also called Jan Dhan account. Under this scheme poor people can open their account very easily. They will neither have to pay any money nor will they have any problem in opening the account. Through this scheme, the people of the country will get financial services easily.

pradhan mantri jan dhan yojana

Amount sent to Jan Dhan Yojana

Due to the lock down in the country, an amount of Rs 500 is being transferred to the Jan Dhan accounts of the women of poor families. Under this scheme, Rs 1.20 lakh crore was deposited in the accounts of poor women of the country till April 1, 2020. But now according to official data, the amount deposited in the accounts opened under Pradhan Mantri Jan Dhan Yojana increased to Rs 1.28 lakh crore in the week ended April 8, 2020. On April 8, Rs 1,27,748.43 crore was deposited in the accounts of 38.12 crore women. Under the Pradhan Mantri Garib Kalyan Yojana launched by the central government, Rs 9,930 crore has been transferred to the accounts of 9.86 crore women Jan Dhan account holders.

राष्ट्रीय स्वास्थ्य बीमा योजना

Number of accounts opened in PMJDY _

We have given below the information about the number of accounts opened in a
rural and urban area and the amount deposited by them and issued RuPay cards (as on 25 March 2020 ) .

type of bank
in rural
urban metro
rural woman
Amount deposited in crores
Rupay card issued
public sector bank
16.46 14.05 16.11 93919.97 24.57
regional rural bank
5.47 1.09 3.72 21331.80 3.59
private sector bank
0.70 0.56 0.67 3182.64 1.15

Factors of Pradhan Mantri Jan Dhan Yojana

PMJDY scheme consists of 6 pillars which are as follows.

  • Accessible to Banking Facilities – With this, they are trying to put each district in SSA which means sub service area under which at least one to two thousand households will be covered within a range of 5 km.
  • Basic Banking Facility – He aimed at least one bank account in every unsold household, so that it could inculcate the culture of banking habits in every household and convince them to save their hard earned money in a bank account.
  • Financial Literacy Program – To educate them about financial literacy, so that they can operate an ATM card and know its benefits.
  • Micro Credit Once you open the account and operate it satisfactorily for the next six months, you are eligible for a credit facility of Rs 5000 and for this the bank will ask you for any security, purpose or use of credit. Won’t ask for
  • Micro Insurance Facility – With this all BSBD (Basic Savings Bank Deposit) account holders are eligible for micro insurance and there are two insurance schemes for this.
  • Pradhan Mantri Jeevan Bima Yojana (PMJBY) – Under this, the beneficiary will get a life insurance cover of Rs 2 lakh and for this they will have to pay a premium of only Rs 330 per year
  • Pradhan Mantri Suraksha Bima Yojana (PMSBY) – This insurance scheme will give you a casualty cover of Rs 2 lakh and for this you will have to pay a premium of only Rs 12 per annum.
  • RuPay Debit Card – Once you open the account you will get RuPay card (ATM card) which includes accident insurance of Rs.2 lakh only.

Benefits of Pradhan Mantri Jan Dhan Yojana 2021

  • Any citizen of the country can open his account in banks under this scheme and a small child up to 10 years can also open an account under this scheme.
  • Accident insurance up to Rs 1 lakh will also be covered on opening an account under this PM Jan Dhan Yojana 2021 .
  • Under the Pradhan Mantri Jan Dhan Yojana, life insurance of Rs 30,000 will be payable to the beneficiary on reimbursement of normal conditions on his death.
  • Under PMJDY 2021 , interested beneficiaries can take a loan of up to Rs 10,000 without any paper magazine to the account holders on opening a Jan Dhan account in any bank.
  • Beneficiaries of government schemes will get direct benefits in these accounts.
  • Overdraft facility of Rs.5000/- will be provided in one account of each family, especially women account.
  • Pradhan Mantri Jan-Dhan Yojana (PMJDY) is the National Mission for Financial Inclusion to ensure affordable access to financial services like Banking, Savings/Deposit Accounts, Remittance, Credit, Insurance, Pension.
  • The account can be opened at any bank branch or Business Correspondent (Bank Mitra) outlet.
  • The accounts opened under PMJDY are being opened with zero balance.
  • However, if the account holder wants to get the check book, he/she has to fulfill the minimum balance criteria.
  • So far 38.22 crore beneficiaries have deposited money in the banks and so far Rs 117,015.50 crore has been deposited in the bank account of the beneficiaries.

Eligibility to get life insurance cover

  • The account has been opened by the applicant in the bank for the first time.
  • 15 if this account was opened between 2014 to 26 January 2015 under Pradhan Mantri Jan Dhan Yojana.
  • The benefit of this scheme can be availed by the applicant only if he is the head of the family or the earning member of the family and his age is between 18 to 59 years.
  • Central or state government employees cannot take advantage of this scheme.
  • Retired central or state government employees also cannot take advantage of this scheme.
  • Tax-paying citizens also cannot take advantage of this scheme.

Documents of Jan Dhan Scheme PM 2021

  • Applicant’s Aadhar Card / Identity Card / Driving License / PAN Card
  • mobile number
  • Passport size photo
  • address proof

How to apply in Pradhan Mantri Jan Dhan Yojana 2021?

Interested beneficiaries of the country who want to open their account under this Pradhan Mantri Jan Dhan Yojana 2021 , then they will have to go to their nearest bank. After going to the bank, you will get the application form to open Jan Dhan account from there. After taking the application form, you have to fill all the information asked in the application form. After filling all the information, you have to attach all your necessary documents along with the application form and submit the filled application form to the bank official. Money account will be opened.

How to check Jan Dhan account bank balance ?

As you all know that the outbreak of corona virus is increasing in the country, due to which people are facing a lot of problems again. Due to this epidemic, the citizens of the country are not able to even go out of the house, so the government is providing many facilities to the citizens of the country. Some people want to see the balance of their Jan Dhan account , they are also unable to go to the bank, to overcome this problem, the bank has now simplified the way to check bank balance, now people will not need to go anywhere, now they sit at home. Only balance check of Jan Dhan account can be done. You can check Jan Dhan account balance in 2 ways. which we have given below.

Through the portal _

  • First of all you have to go to the official website of PFMS. After visiting the official website, the home page will open in front of you.
  • On this home page, you will see the option of Know Your Payment . You have to click on this option. After clicking on the option, the next page will open in front of you.
pm jan dhan yojana
    • On this page, you have to enter your bank name, your account number. Here you have to enter the account number twice. After entering the account number, you have to enter the captcha code.
    • And then you have to click on Send OTP on Registered Mobile Number. After this OTP will come on your mobile number, then you can check your bank balance by entering OTP.

    Via missed call _

    • If you do not want to check Jan Dhan account balance through the portal, then you can also check your bank balance through missed call.
    • If you have Jan Dhan account in State Bank of India then you can give missed call on number 8004253800 or 1800112211.
    • But you have to make missed call from the same mobile number which is registered in your bank account.

Bank Login Process

pm jan dhan yojana
  • Now the home page will open in front of you.
  • On the home page, you have to click on the right to us tab.
  • Now you have to click on the link of bank login .
pm jan dhan yojana
    • Now a new page will open in front of you in which you will have to enter user-id and password.
    • After that you have to click on the sign in button.
    • In this way you will be able to login.

    Process to download account opening form

    • First of all you have to go to the official website of Pradhan Mantri Jan Dhan Yojana .
    • Now the home page will open in front of you.
    • On the home page, you have to go to the section of e-document.
    • After this, you have to click on the option of Account Opening Form – Hindi or Account Opening Form – English as per your requirement.
    • As soon as you click on this option, the account opening form will open in front of you.
    • Now you have to click on the download option.
    • In this way you will be able to download your account opening form.

    List of Nodal Officers of DFS for SLBC

pm jan dhan yojana
  • Now a new page will open in front of you.
  • On Space you can see related information.

Process to download life cover claim form

pm jan dhan yojana
    • After that you have to click on the option of claim form .
    • As soon as you click on this option the form will open in front of you.
    • Now you have to click on the download option.
    • This is how you will be able to download the Life Cover Claim Form.

    SLBC login process

    • First of all you go to the official website of Pradhan Mantri Jan Dhan Yojana . The home page will open in front of you.
    • On the home page, you have to click on the right to us tab.
    • After that you have to click on the link of SLBC Login .
pm jan dhan yojana
Pradhanmantri Jan Dhan Yojana
    • After this a new page will open in front of you in which you will have to enter the username and password.
    • Now you have to click on the login button.
    • In this way you will be able to login.

    User feedback process

    • First of all you have to go to the official website of Pradhan Mantri Jan Dhan Yojana .
    • Now the home page will open in front of you.
    • On the home page, you have to click on the right to us tab.
    • Now you have to click on the link of User Feedback .
pradhanmantri jan dhan yojana
    • After this the feedback form will open in front of you. In which the asked information such as type, related to, bank, district, applicant name, details etc. will have to be entered.
    • Now you have to click on the save button.
    • This way you will be able to give feedback.

    Process to view feedback status

    • First of all you go to the official website of Pradhan Mantri Jan Dhan Yojana . The home page will open in front of you.
    • On the home page, you have to click on the right to us tab.
    • After that you have to click on the link of User Feedback .
pradhanmantri jan dhan yojana
    • Now you have to click on the link of Status Enquiry.
    • After this you have to enter the reference number and captcha code.
    • Now you have to click on the search button.
    • Feedback status will be displayed on your computer screen.

    Process to view progress report

pradhanmantri jan dhan yojana
    • As soon as you click on this link, the progress report will be in front of you.
    • You can see the number of beneficiaries in it.

    Contact list download process

    • First of all you have to go to the official website of Pradhan Mantri Jan Dhan Yojana.
    • Now the homepage will open in front of you.
    • On the home page, you have to click on the link of contact us .
pradhanmantri jan dhan yojana
    • As soon as you click on this link, the contact list will be in front of you.
    • You can see the contact details in this link.

    Nodal Agency Address

    Pradhanmantri jandhan Yojana,

    Department of financial services,

    Ministry of finance,

    Room number 106,

    2nd floor, jeevandeep building,

    Parliament Street,

    New Delhi-110001

    Contact Information

    Through this article, we have provided you all the important information related to the Pradhan Mantri Jan Dhan Yojana . If you are still facing any kind of problem then you can solve your problem by contacting on National Toll Free Number. National toll free number is 1800110001, 18001801111.

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