PM Jan Dhan Yojana (PMJDY) — Benefits, Eligibility & Apply Kaise Karein (2026)

Overview

Pradhan Mantri Jan Dhan Yojana (PMJDY) duniya ka sabse bada financial-inclusion programme hai. Yeh har Indian ko — chahe unke paas address proof na ho aur zero balance ho — bank account, debit card, insurance cover aur overdraft facility deta hai. 2026 tak, 53 crore se zyada accounts khule hain jinmein total ₹2.4 lakh crore se zyada deposits hain.

Shuru: 2014 Kiske Liye: 10+ saal ke unbanked Indian citizens

Key Benefits

• Zero-balance basic savings account (koi minimum balance penalty nahi).
• Free RuPay debit card jismein ₹2 lakh accident insurance built-in hai (Aug 2018 ke baad khule accounts ke liye).
• Aadhaar-seeded account holders ko 6 mahine ki satisfactory operation ke baad ₹10,000 tak overdraft.
• DBT-ready: LPG subsidy, PM Kisan, scholarship, pension, maternity benefit wagairah seedha milte hain.
• Deposits pe interest normal savings account rate ke hisaab se milta hai.
• 15 Aug 2014 – 31 Jan 2015 ke beech khule eligible accounts ko ₹30,000 ka life cover.

Eligibility

• Koi bhi Indian citizen jiska age 10 saal ya usse zyada ho.
• Bina kisi minimum balance ya income proof ke khol sakte ho.
• Ek person ke liye sirf ek Jan Dhan account.

Zaroori Documents

• Aadhaar (preferred) YA Voter ID / PAN / passport / driving licence
• Recent passport-size photo
• Agar koi valid document nahi hai → 'small account' khul sakta hai self-attested photo aur signature/thumb impression se

Apply Kaise Karein — Step by Step

1. Kisi bhi public sector bank, private bank ya Business Correspondent (Bank Mitra) ke paas jaao apne village/ward mein.
2. PMJDY account-opening form bharo.
3. Aadhaar-based e-KYC complete karo (instant) ya documents submit karo.
4. RuPay debit card aur passbook mil jaayegi.
5. Aadhaar + mobile link karo DBT aur overdraft eligibility ke liye.

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