New Delhi, Jan Dhan Yojana has been praised by many renowned economists of the world. Through this scheme, the government ensured access to banking services to crores of people. This further strengthened the government’s goal of financial inclusion. On the other hand, with the help of these accounts, after the Kovid-19 crisis, the government provided direct financial help to the millions of poor people of the country at a time when many big economies of the world faced challenges in benefiting from this epidemic. Had to do it. In addition, through these accounts, the government transfers PM Kisan Samman Nidhi (PM Kisan), old age pension, crop insurance scheme benefits and even LPG subsidy directly to the beneficiaries account.
Basics related to Pradhan Mantri Jan Dhan Yojana (PMJDY)
The scheme was launched on August 28, 2014 with the goal of financial inclusion. The scheme aims to connect every family with banking, credit, insurance and pension services as well as create financial literacy. According to PMJDY’s website, currently the number of account openers under this scheme is 41.75 crores. 137,755.08 crore is deposited in these accounts.
Benefits of PMJDY Account
The scheme has served as a medium for many schemes related to social security. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY) and Pradhan Mantri Mudra Yojana (PMMY) are such schemes.
If you have opened an account under this scheme then you do not need to maintain minimum balance.
You get interest on the amount deposited in this account.
The account holder opened under this scheme gets an overdraft facility of Rs 10,000.
Any account holder of 18-65 years of age can avail this overdraft facility.
In addition, PMJDY account holders with RuPay cards also get accident insurance up to Rs 2 lakh.
Life cover of Rs 30,000 is also available under this scheme. You can read the terms related to this from PMJDY website.
In this way, PMJDY Account can be opened:
Any citizen of India can open an account under this scheme.
The minimum age limit of 10 years has been set by the government to open an account.
Under this scheme, any eligible Indian citizen above 10 years of age can open an account at any bank branch.
Apart from this, you can also open this account through Bank Mitra.
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