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, accounts will be opened of poor people of the country, at zero balance in the post office and nationalized banks. The accounts to which the Aadhar card is linked will be provided with an overdraft facility of Rs 5000 after 6 months and accident insurance cover of Rs 1 lakh embedded in RuPay Debit Card and RuPay Kisan Card.
Key details of Pradhan Mantri Jan Dhan Yojana
| Scheme Name | Pradhan Mantri Jan Dhan Yojana |
| Started by | Indian Government |
| Beneficiary | All Indian Citizen |
| Purpose | Through Pradhanmantri Jan Dhan Yojana 2022, financial services like Banking / Savings, Deposit Account, Remittance, Loan, Insurance, Pension etc. have to be made accessible to all effectively. |
| Starting Date | 15 August 2014 |
Pradhan Mantri Jan Dhan Yojana New Updates
The launch 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. Account holders will not need to go to the banks. This will save both time and money and bring transparency to the system.
Features of Pradhan Mantri Jan Dhan Yojana
- 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 2022
You know that there are many people who are not able to open their bank account and are not aware of the banking facility provided by the bank. This is a very good initiative of the central government for poor families, this Pradhan Mantri Jan Dhan Yojana 2022 Under this scheme, to provide financially poor people of the country, backward class people the facility of opening an account in the bank on zero balance and the facility of getting loan based, transfer facility, insurance and pension facility.
Benefits of Pradhan Mantri Jan Dhan Yojana 2022
- 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 2022.
- 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 2022, 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.
Documents required for Pradhan Mantri Jan Dhan Yojana 2022
- 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 2022
Interested beneficiaries of the country who want to open their account under this Pradhan Mantri Jan Dhan Yojana 2022, 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 in all the information asked in the application form. After filling in 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. In this way, your Pradhan Mantri Jan Dhan Yojana account will be opened.
How to Check Pradhan Mantri Jan Dhan account bank balance
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. 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.
- 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.
Through 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.
- You have to make missed call from the same mobile number which is registered in your bank account.
The process to download Pradhan Mantri Jan Dhan 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.
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.
- 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.
Contact Information
| National Toll-Free Number | 1800110001 |
| Email ID | missionfi@nic.in |
Important Links
| Official portal of PMJDY | Click here |
| Official portal of h2omissions.org | Click here |
