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Pradhan Mantri Jan Dhan Yojana

The scheme provides Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner. Anyone who is an Indian citizen above the age of 10 years can open a bank account.

 

 

STEPS TO FOLLOW

  • Visit the nearest bank and consult the bank officials with the necessary documents 

  • You can open a bank account with zero balance.

  • An interest of 2 % + base rate (minimum interest rate of the bank) is charged on the overdraft amount.

BENEFITS

  • Zero Balance account

  • Free life cover of Rs 30,000/- and Accidental insurance cover of Rs. 1 lakh.

  • An overdraft facility of up to Rs. 10,000/- for a period of 3 years is available to any one account holder per household.

Eligibility

  • Age- Minimum 10 years

  • Person without any bank account

  • Person with a bank account can also apply only if he/she agrees to close the existing account

Documents required

  • Aadhaar Card

  • Voter ID

  • Pan Card

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