Jan Dhan Yojana: Benefits, How to Open, Documents Required

What is Jan Dhan Yojana (Bank Account for Every Indian)

Pradhan Mantri Jan Dhan Yojana (PMJDY) is an initiative implemented by Honourable Prime Minister of India Shri Narendra Modi on completing 100 days. Bank Account for Every IndiaThe target is to provide bank account to every Indian household. This would be a normal savings bank account. The Yojana would be implemented in phases as follows:

Phase-1: 28 August 2014 till 15 August 2015

Phase-2: August 2015 till August 2018

Benefits of Jan Dhan Yojana

There are many benefits of Jan Dhan account for the Indians:

  1. It is a zero balance savings account.
  2. Account holder will receive a kit containing cheque book, financial literacy and pass book. However this would vary from bank to bank and account usage.
  3. Every account holder will get RuPay Debit card (which is India’s domestic debit card) included in the welcome kit. You can read benefits of rupay card here. RuPay card can also be used for eCommerce transactions.
  4. Person will also get Aadhar number on the spot.
  5. Family of account holder will get accident insurance cover of Rs. 1,00,000.
  6. Life cover of Rs. 30, 000 was declared as an incentive for those opening the account by 26 January 2015. This life cover would be provided by India’s largest insurance company – Life Insurance Corporation of India. Read more about the terms and conditions for availing insurance benefits and life cover eligibility
  7. Overdraft (loan) facility of Rs. 5000 would be provided once account holder completes 6 months and has kept account active. Get detailed information on what is overdraft and it’s eligibility.
  8. Loan amount would be increased to Rs. 15,000 if repayment is done on-time by the person. Ofcourse this would depend on each bank.
  9. Overdraft facility would benefit individuals who had been relying on money lenders charging high interest rates.
  10. However in order to avoid overdraft frauds, only Aadhar linked accounts would be eligible for overdraft facility.
  11. Farmers dependency on money lenders would reduce as they’ve been relying on money lenders especially in rural areas. Once trapped by money lenders, whole family’s future is ruined.
  12. Mobile banking would be available and technical platform will be built connecting all the banks and telecom operators so that customers can access mobile banking facility with ease.
  13. Account holder will also get interest on deposit and access to pension and insurance products
  14. Money transfer can be done across Indian bank.
  15. Account transfer from one branch to another is also possible since all the accounts opened are through core banking system (CBS).

Read FAQ’s on PMJDY along with their answers.

Documents required for account opening

  1. Address proof either current or permanent.
  2. If address changes then person needs to submit fresh address proof to the bank. You can read more about the recent know your customer (KYC) norms changed by RBI.
  3. For persons with no valid documents, the account can still be opened by providing self attested photographs, signature/thumb print in front of bank official.  Such account is called Small Account. Read more about this here. However this small account would be valid only for 1 year post that person will have to provide official valid documents which include: Passport, Driving License, PAN card, Voter ID card, Aadhar card, Ration card.
  4. 2 passport size photographs

Eligibility/Age Limit: Any minor with age above 10 years can open the account.

Also check out the details applicant needs to fill in PMJDY account opening form


  1. Most of the public and private sector banks have set an ambitious target of opening over 1 lac account on day-1. Check out list of banks where you can open account
  2. Target of opening 7.5 crore bank accounts in the next few years
  3. Officials from public sector banks (senior employees) will conduct camps and encourage people for opening the bank accounts. Over 60,000 camps would be organized on day-1
  4. Prime minister has sent over 7 lakh E-mails to banks to inform them about PMJDY
  5. Phase-2 would include micro insurance and pension schemes

Also read about world record set on day-1 of Jan Dhan Yojana launch and challenges ahead.

Check out how you can send money on mobile phone. And withdraw money even when you have no ATM debit card. An excellent facility offered by Indian banks.

Read an interesting discussion between a banker and poor family and how the banker succeeds in convincing them to open the bank account.

Read 17Dec’14 update on getting accident insurance benefit without opening bank account under PMJDY

185 thoughts on “Jan Dhan Yojana: Benefits, How to Open, Documents Required

  1. Account kholne ke liye local ID proof hona chahiye ya other state ke ID proof se bhi khul jayega? Or old PNB account ko PMJDY me convert Kar sakte

    • Dear Manmohan, Thank you for your query. I would suggest you to contact nearest branch regarding your query. Try to approach them over phone and based on their reply you can visit personally to open the account. This will save your time.

    • You should contact nearest bank reg. your query. I think, there is a facility where you can still open the account by providing self attested photographs, signature/thumb print in front of bank official. But I would request you to contact bank to get your query resolved.

    • There is no clarification from government yet. However I came across many news articles mentioning that existing account holders can still open the account. However they won’t be eligible for the insurance. So to avoid any problems in the near future, you should contact bank for exact details.

  2. Sir plz help….i have an account in state bank of india….if i link my account to pradhanmantri jan dhan yojna then, will i get all the benefits of this plan….n will i also get overdraft facility??

    • Hello Ami, I’m not sure whether linking is possible or not. However you can open new account but so far government has not clarified on whether such account holders would be eligible for insurance cover or not. So I request you to contact bank for more details.

  3. Hello.
    I am from ahmedabad i went to SBi today for opening my Account infront of which I was told that they still don’t have PMJDY forms to be provided. I just wanna ask when if this yojana is so much important than why am I getting such response.????

    • Yes, this scheme is very important but still response you’ve received is quite unexpected. Why don’t you drop an grievance E-mail to SBI for the same. Hopefully they should address your concern.

  4. Sir is it compulsory to open account in banks where we already have an account…or we can choose a new bank also????because i have an account in sbi but when i went to bank of baroda to open new account for pmjdy…there they asked where is my old account….i said sbi and then they said go to that bank for any help your account will not be opened here….

  5. Dear sir
    i want open account of jan dhan yojana and please give me link for download form PNB Bank..

    thanks & Regard
    naveen chandra

  6. I consulted SBI , Banashakari III stage to open an account in SBI. They informed me that to open an account under Jan Dhan yojana BPL Card holders are only eligible for the same. I need clarification regarding this. Please give me valid reply.

  7. Hello sir
    Mera sbi me already accout open h kya me pmjdy k liye othr bank me apply kr skti hu and meri abhi newly marriage hui h to address prof kya chahiye please help…

  8. Mera account pehle se hi hai jisme aadhar no link hai kya mai apna account usi adhar no se khulwa sakta hu or axis bank jan dhan yojna de raha hai ya nahi

    • Dear Rakesh, RuPay card production takes time as compared to opening an account. Because card issuance requires personalization i.e. name embossing on the card and other things. Since under PMJDY many accounts were opened, the demand for RuPay card could not be met by NPCI. But be assured that you’ll get the card soon. NPCI is working very hard to issue the same. Hope this answers your query.

  9. Dear Team,
    mai Aaj central bank of india bank me khata kholne gaya to mujhe vaha bola gaya ki aapka khata 2 mahine baad khola jayga balki Maine sab document our form bhi jama kar diye hai. Maine to ye form bhi paise de ke bahar se liya
    Branch address
    Central Bank of India
    At post kusumbe
    Tal Dist Jalgaon
    krupya aap mujhe madat kijiye

    Gajanan Patil

  10. Hi sir pmjdy account mai deactivated karna chahta hu or seving account kholna chahta hu is liy deactivated karna chahta hu 50.000 ka limit hai keh krna chahiy pilz hel …….

  11. Dear Sir/Madom,

    SBI is rejected for opening the account as Jan Dhan Yojna account. What can i do to open the account. Even Oriental Bank also rejecting to open an account in Jan Dhan Jojna.

    Please advise, I wish to open an account.


  12. I have a salary cum savings account with ICICI bank with a average quarterly balance of Rs. 10,000. Wondering if I can that 10,000 and convert the savings account to jan dhan account?

  13. Sir mera sbi me salary cum saving account hai or mai icici mai pmjdy ke tahat or ek khata khula na chahat hu..kaya ywa possible hai

  14. sir agar ham jandhan yojana wala acount kisi v gov,wale bank mai jate hai to wo ab mana kar date hai ki pvt. bank mai ja kar khulbao govt. bale mai band ho chukr hai ab agar wo nahi kholte hai to fir kya kare ham.

  15. sir mere pass jharkhand ka adhar or ration card pan card hai kya me delhi me account kholwa sakta hoon me persent address ka electric bill de sakta hoon plz help thank u

  16. sir i have open an account in canara bank in 108 scheme jan dhan yojana but unfortunately i had submitted my voter id in which my name was incorrect and my account is opened with wrong name now i am providing my aadhar card in which my name is correct but bank manager is saying that you have to pay charge for that so what i do?

  17. I have bob bank in im asking jan dhan yojana account r available her? Bank said not available in bank its offer is finished.i have not type i

  18. Sir, maine ek.Acc. Khola hai Pnb bank under pradhan mantri jan dhan yojna. is yojna me debit card nahi milta hai kya agar milta ha kitne time bad milta hai aur insurence ko koi documente bhi milta hai kya.

  19. i am doing job, i have account in bob in other city , i want to open account in pmjdy,can i get all benifit after opening it

  20. Dear Sir,
    I already have a PNB bank account? Can I avail the benefits of Jan dhan Yojna? If yes, then how? Should I open a fresh account or try to link my old bank account with Jan dhan Yojna? If I can link my old account then whats the procedure Sir?

  21. sir i hv an acc. on SBI and i am a student, so can i open a new accnt on bank of baroda under pmjd yojna ???? and is it necessary to hv a guarenter for opening an account???
    sir plz hlp it is mandatory…

  22. Dear sir,
    mera account Bank Of Baroda me hai jan dhan yojna me mene opan kiya sir is account me cheque book milti hai kya .please inform me my no- 08171763909

  23. hamne sept.14 me hi PMJDY ke tahat union bank of india me khata khulwa lekin abhi ATM card nahi mila iske bare me bank se maloom karte hai to bank wale bolte hai bekar hai ana iska koi fayda nahi hai .to kya ye scheem kewal beukuf banae ke liye tha public ko

  24. Sir,I have opened a Zero balance account(PMJDY) on 1st november,2014 in our locality below the guidance of two bank staffs of Central Bank of India….I submitted the photocopies of my EPIC Card,Aadhar card,Ration Card and my two passport size photograph..Now I want to collect my bank pass book….How can I get it????

  25. Sir i m a social worker ,i went to get open Pmjdy account for the poorer in many banks but i found that still the corruption stands ,as on demanding for form bank says either form is unaavilable or theu directs us to buy forms in rs.5/- from their respected shop in market.sir pls tell me the common platform where i should lodge my complaint.

  26. respected sir i want to open my father in law mr shafat hussain r/o chand colony sre’s zero balance account in Indianoverseas bank clock tower saharanpur branch but they are not coprating us and not giving right information after 15 days what should i do now
    mohd muneer

  27. my maid rani kumari wants to open bank a/c under jan dhan yojna.she is resident of ward 31 of ludhians.pnb haibowal kalan says this ward is not with this branch.so what she should do to open this a/c.pls give information.

  28. Hi sir.mera acount SBI bank mein hai muje Jan dhan yojana Ka sbi mein account open Karna hair too ye ho sakta hair kya

  29. sir is there any fees for opening this account,and i want to know that the for opening this acccount ,i have only voter id card and rashan card,is this enough or not.

  30. Sir hum dibai mai naye sift huye hai. Humne apna voter id card, ration card new banane k leya diya h. To hum apna ACCOUNT kaise khulwaye.

  31. SIR i opened my a/c orientenal bank of commerce ludihana humbran road branch dt.18.10.2014.but till date i have not rept.my rupay debit card.please repliy this msg. thanks

  32. I visited nearest SBH bank and they said, they do not accept have Jan Dhan Yojana scheme now. could you please advice if any other have this scheme now where i can open the account. or when we gonna have the second phase ? thank you

  33. Hello sir,

    Can we open joint account on this scheme??? My wife don’t have Aadhaar Card yet, so will she eligible to open this account???


  34. canara bank of jan dhan yojna acc. gives me just a passbook..and nothing else… when i get my rupay card and checkbook…..

  35. Gud evening sir.

    sir mai ye jan na chahti hu ki pmjy ke jriye maine apna accunt central bank of india me
    date28/8/2014 ko khul waya the lkn hme rpy debit card ab tk n mla h.
    ktna time lgta rpy debit card milne me.

    thank you.

  36. mujhe jan dhan yojana mai account open karne ke liye bank wale 1,100/- pay karne ke liye kaha hai they said nill balance mai abhi account open nahi karate aur jo bank ki list net par di hai waha form is not available kahe kar account open nahi kar rahe hai so what we do for open account under jan dhan yojana.

  37. I am lived in village in Palandur distt bhandara and I want open account in SBI Nagpur is it possible to open account in SBI Nagpur

  38. I am alreday punjab national bank out side delhi darwaja ahmedabad branch jan dhan yojana a/c opening form submited date 27/12/2014 as on date 7/01/2015 jan dhan yojana a/c not open is punjab national bank.kindly confirm my email id to my queri post urgent basis.please do the needful.

  39. Dear,sir/mam,mujhe PMJDY me Acont open kare 1month se jayada samay ho gayi Hai,Lekin Ab Tak Rupee/dabit card Nahi Aayi Hai!So plz my Help me!

  40. I am alreday kotak mahindra bank out side gurgaon branch jan dhan yojana a/c opening form submited date 05/08/2014 as on date 29/01/2015 jan dhan yojana a/c not open is totak mahindra bank.kindly confirm my email id to my queri post urgent basis.please do the needful.

  41. Dear sir, mene kuch din pahle Jan dhan yagna me family ke sath apply kiya tha . par kuch problem ke karan mujhe apne photo me correction karna hai to kya ye possible hai ya mujhe family ke sath new register karna hoga . plz sir tell me

  42. sir,
    i cant recharge online paytm.com
    in this debit or atm card i cant recharge mobile or any other things ?
    please help me, how can i use like sbi debit card??
    i cant recharge anything with this card ?

  43. गरिबा साठी जिवात जिव आला तसेच माणसात माणुसपण आलेली दिसते
    many many thank u for mantri saheb
    aamchyasarkhya gariba sathi hi yojana kadlyabadal in pour condition he considered as a REALLY GOD (PARMESHWAR)

  44. Sir, I am an Indian citizen residing in kathmandu,nepalAt present, I just have a pan card(having address of Banglore),
    a Certificate of Registration issued by Indian Embassy(kathmandu). I only have residential address of my grandmother residing in Ahmedabad. Can I get a bank account opened with the above mentioned documents or do I need to provide additional documents. Kindly reply at the earliest and also guide me so that I can get a bank account opened here in india. Also let me know about which bank should I opt for getting an account opened..

  45. I have all my documents like aadhar card, voter card but my address registered on those documents is my villege address..now I want to open an account in the place where I live.Can I open an account in my present address.

  46. Sir<
    mera bank of baroda me account h isme mujhe jo debit card mila h uspar pmjdy or bhamashah yojna bhi likha hua h or atm number pr family ID likhi hui h to wo ID kaha pr kaam aaegi….kya mera pmjdy me account khul gya h???
    agar haa to me use kaha login krke dekh skta hu

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.