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Today i.e. on August 28, 11 years of Pradhan Mantri Jan Dhan Yojana (PMJDY) have been completed. The scheme was launched on 28 August 2014. So far more than 56.16 crore bank accounts have been opened under this scheme. 56% of public money accounts are of women.
We are telling you about Pradhan Mantri Jan Dhan Yojana …
Question 1: What is this Jan Dhan Yojana?
answer: Jan Dhan Yojana i.e. Pradhan Mantri Jan Dhan Yojana (PMJDY) is a scheme of the Government of India, which started in 2014. The aim is that every person in the country has a bank account, which was still out of the banking system. Especially for poor, villagers, laborers and who have less money, this scheme was brought. Under this, zero balance account can be opened, that is, not a single penny is needed in the pocket to open the account.
Question 2: Okay, but what is available in this plan?
answer: Many things are found in Jan Dhan Yojana:
- Zero balance account: You can open a bank account without depositing money.
- RuPay Debit Card: RuPay card is available for free with an account, so that you can withdraw money from ATM or pay at shops.
- 2 lakh accident insurance: The account holder gets an accident insurance cover of Rs 2 lakh with the RuPay card issued.
- overdraft facility: You can take overdraft (borrowing) of up to Rs 10,000 on this account.
- Direct Benefit Transfer (DBT): Government subsidies, such as gas subsidy or other schemes, come directly to your account.
- Interest facility: Interest is also available on savings, as usually available in bank accounts.
Question 3: Who can open this account?
answer: Under this scheme, people who do not have any other account can open an account through any bank branch or bank friend.
Question 4: How to open this account?
answer: Opening an account is very easy. Just need these things:
- Aadhar card: This is most important. If there is no Aadhaar, the voter ID, driving license, passport or any other government ID will run.
- Evidence of address and identity: If you know in Aadhaar, it is enough. Otherwise you can give electricity bill, ration card or something else.
- Passport Size Photo: There will be 1-2 photos.
Just go to the nearest bank, post office or a bank friend (BC), fill the form, and the account will open. Now there is a facility to open an account online in many places. Any person can open this account.
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