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What is Pradhan Mantri Jan Dhan Yojana? all the information

What is Pradhan Mantri Jan Dhan Yojana friends today I’m going to give you information about how to open an account. Although many schemes have been made till now, today we are going to talk only about Jan Dhan Yojana.

What is the Pradhan Mantri Jan Dhan Yojana (प्रधानमंत्री जन धन योजना क्या है)

because a lot of facilities have been made available to the people through this scheme and so far more than 11 crore accounts have been opened under this scheme. 

This scheme has been made for those whose family’s financial condition is very weak and who do not have any bank account. By the way, any Indian citizen can take advantage of this scheme.

This scheme is being run to make the poor people financially empowered. If you also open an account in this, then you will get all the facilities which are being given by the scheme.

That’s why I thought that what are the benefits of this Pradhan Mantri Jan Dhan Yojana, let me tell you how to open your account in it so that you can also take advantage of this scheme. 

What is Pradhan Mantri Jan Dhan Yojana?

In order to strengthen the economic condition of the poor, the Prime Minister of India, Shri Narendra Modi had announced this Jan Dhan Yojana on 15 August 2014. After this, work on it was started on 28 August 2014.

This scheme was started as a national mission in which people could get financial services like banking and deposit accounts.

The main objective of this scheme is to provide financial service to the backward and low-income people in the society so that poverty can be reduced in India.

To exploit this scheme, the government is appealing to the poor people to open new accounts. Jan Dhan accounts can also be opened on zero balance. 

Under this scheme, the account holder is given an insurance cover of up to Rs 1 lakh and the life insurance policy up to Rs 30,000 will be given to the nominee of the dying holder.

What are the advantages of opening a Jan Dhan account?

In this scheme, withdrawal, deposit, mobile banking, net banking, all these facilities are absolutely free, in this, you will not have to pay Extra Charge like other banks.

Facility:- The account holder can withdraw up to Rs 10000 after 6 months of opening his account even if there is no money in his account but later he will have to return this amount.

Open Zero Balance Account:- You can open this Jan Dhan account without depositing any money. And you will not get any charge even if you have 0 balance in your account.

Under this scheme, all bank holders will be given a debit card, which can be used by the account holder to withdraw money at any ATM machine.

What are the principles of Pradhan Mantri Jan Dhan Yojana?

If you have opened a Jan Dhan account, then according to their rules you cannot deposit more than Rs 1 lakh in a year.

You can withdraw an amount of up to 10000 per month. And if someone wants to withdraw more than 10000 money, then according to the RBI he will have to show all his documents and tell him where he is going to use this money.

Only those people will be able to take advantage of overdraft facilities in whose account the transaction is ongoing.

India’s richest person or whose income is very high, these people cannot open this account.

How to open a Jan Dhan Yojana Account?

In Jan Dhan Yojana, anyone can easily open their Jan Dhan account. The special thing is that even if the account opener does not have some documents, he can open the account by the rules of Jan Dhan Yojana. And this account is capable of opening even a child as young as 10 years old.

Friends, there is a disadvantage of this that you cannot open this account online, so far there is no such way by which you can open an account online, for this you will have to open it offline. So let’s know the easy way to open a Jan Dhan account

1. First of all you have to download the Jan Dhan Account Opening Form to open this account, it is very easy.

2. For that, you have to go to Google and search pmjdy. official site of Jan Dhan Yojana by clicking on this link

3. After coming to the official site, you have to scroll down a bit, then you will see two options, one Account Opening Form -Hindi and the other Account Opening Form -English You can download in any language you want.

4. After the form is downloaded, you have to take a printout of that form and fill in your personal information such as the name of the account opener, address, date of birth, occupation, annual income, etc. Aadhar/PAN cards have to be attached.

5. Or if you have any other identity proof, then you can apply that too.

6. After all this, as I told you that its online account opening facility is not available yet, then, at that point, you need to go straightforwardly to the bank and present this structure and your Jan Dhan account will be opened.

Note: If you already have an account in any bank and you want to open an account in Jan Dhan, then you can transfer that account to Jan Dhan account by going to that bank in which you have your account.


So friends, I hope to know what Prime Minister Jan Dhan Yojana is and how to open an account in that you would have liked this article about it and if you liked this information, then share it as much as possible so that this information can reach those poor people. Those who do not know about this scheme.

Then they too will be able to strengthen the condition of their family by taking advantage of this scheme. After reading this article, if you have any suggestion or any question, then you can definitely ask in the comment, I will definitely reply.


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