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. The 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:
- It is a zero balance savings account.
- 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.
- 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.
- Person will also get Aadhar number on the spot.
- Family of account holder will get accident insurance cover of Rs. 1,00,000.
- 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
- 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.
- 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.
- Overdraft facility would benefit individuals who had been relying on money lenders charging high interest rates.
- However in order to avoid overdraft frauds, only Aadhar linked accounts would be eligible for overdraft facility.
- 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.
- 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.
- Account holder will also get interest on deposit and access to pension and insurance products
- Money transfer can be done across Indian bank.
- 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
- Address proof either current or permanent.
- 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.
- 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.
- 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
- 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
- Target of opening 7.5 crore bank accounts in the next few years
- 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
- Prime minister has sent over 7 lakh E-mails to banks to inform them about PMJDY
- 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
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
I want to know that I want to opne zero balance A/C in SBI so kya jan dhan yojaan Sbi me h plzz guide me
SBI offers account opening under PMJDY. However last date for opening the account has already ended.
can i open account
Can I convert a Jan-Dhan Yojna Bank account to normal saving account if I want?
Dear Rohit, No you cannot convert.
rupesh ganesh gajbe
I have an alredy in a bank seving account of canara bank . how to add under PM Jon dhon yojna. this account & benifit OD facility
Yes you can.Just visit your home branch.
KYA ULHASNAGAR ME ISKI BRANCH HAI
I have an alredy in a bank account of pnb. how to add under PM Jon dhon yojna.
i want to be a augent..what’s qulification?
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.
kya jan dhan yojna wale bank account me sms charge bhi lagta hai.
Sir, can i get a VISA debit card with PMJDY account???
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..
parmeshwar shivaji jadhav
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)
mera state bank of india me allready el saving account open hai but mujhe ek or account open karwana hai sbi me hi…. kya ye possible
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 ?
Sir i want open jan dhan yojana account .is it possible now?
mera proper address rajasthan ka hai me ahmedabad me khata khulva sakta hu
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
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.
Sir,mane Bob me pmjdy ka a/c khola he lakin 15 days ho gay avi tak koch nahi mila he help me pls.
please i want to zero balance account sbi bank , madurai 14th ward
sir kya main apna account online dekh sakta hun aur
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!
sir I want toll free no. or landline no. jan dhan yojana.
1800110001 OR 18001801111
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.
sir actually i am collage student and i want 10000 rs from bank so could i get the loan
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
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.
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.
sir,old account ko jan dhan yojna se jodne ke liye kya karana chahiye
Kya Bangiya Gramin Vikash Bank may
Jan Dhan Yojana Account kholsakta hai???
canara bank of jan dhan yojna acc. gives me just a passbook..and nothing else… when i get my rupay card and checkbook…..
how many things will i get after opening the pmjdy account…
I have only get my a/c no. And passbook only
sir i alerady open account pmjdy how much deposit money in per month.
can i deposit money for other state in india
Can we open joint account on this scheme??? My wife don’t have Aadhaar Card yet, so will she eligible to open this account???
sunil kumar saraswat
I have NRE account can I get ru-pay ATM from bank as Jan dhan yojana a/c or I have to open new account
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
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
I am studing in 11 standard can I open my account in jan dhan yojana I have a aadhar card ration card
is jdy is only for bpl people?? or it was for everyone…????
i have karnataka pan card. but adhar is andrapradesh.
Can I apply for bank account in sbi?
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.
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.
vinod mahadev kadam
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
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.
Do Jan Dan account comes with Internet banking … Or not
kya me apna jan dhan yojana account normal savings me convert kar sakta hu
i open jan dhan yojana account but now i want to convert into normal saving account
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
when i get insurance documents (i.e, insurance paper and insurance card) after getting RuPay card???????????
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.
Can I open account with adhar card and voter card??
Pradip Kr. Bhattacharjee
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????
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
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
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…
What is your age?
Kya hum apne acc. me cheque (10000) jma nhi krva sakte hai.
sir , can i get rupay debit card i am 16 years old..
or without pmjdy account can i get atm card of any bank
Sir manay 3 month pah lay account open kiya tha par aj tak atm nahi mila hai kab tal mil sak ta hai
Sir my mother is 65 yrs old Cn she open Jan Dhan account
can i get ATM through this jan dhan yojana because i am 17years old came to study in other state
My passbook is not deleverd at home
Jan dhan yojna sbi bank
sir i want to know that this scheme PMJDY is compulsory to all members of the family or any one of the family
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?
Please check this: http://www.allonmoney.com/banking/pmjdy-benefits-for-existing-account-holder/
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
I hav deposite rs 500 on my rupay jan dhan account but my debit card still not activated.what should i do??
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.
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
old accounts also can convert in jan dhan yojna
Alok Kumar Srivastava
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?
Sir, Iam having already an account with some private bank and can I get insurance and incentive insurance If I .open beforeJan 2015.
pradeep kumar singh
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
Sumit Saurabh Sinha
Atm card aane me kitna time lagega.ek mahine se jada time ho gya account khulwaye hue indian overseas bank me.
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.
Mera seving bank a/c allready syndicate bank me hai,please mujhe batayen ki me bhi jandhan yojna ke tahat a/c open kar sakta ho,
after submitting the form of jan dhan yojna ..When Passbook & atm given us ?
united bank main open kar sakete hai kya jhan dhan yojna ka acount
Haan. Aap open kar sakte hai.
means five members in a family. thats 5 five mebers not eligible for jhan dhan yojna acount opening?
kya ek family main kitne log jhan dhan yojna ka acount open kar sakte hai?
Can a bank open account with a single proof of identity?
myri dadi ji 84 year’s old. Kya vo bhi PMJDY account khulva skti h kya ?
i am student
Mujhe apna khata kholna hain
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
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?
if I can withdraw that 10,000 and convert the existing account to jandhan?
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.
What reason they told?
Mujhse bank walo ne 600 rupya liya pmjdy account deactivate karne ko
Sir pmjdy account deactivate karne ke liy keh krna chaiye 2 manth hua hai pilz help.
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 …….
I have already a saving account at SBI, can I convert it to PMJDY ???
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
Central Bank of India
At post kusumbe
Tal Dist Jalgaon
krupya aap mujhe madat kijiye
I am having SBI SB a/c already. What is the formality to open PM JDY
No need to open new account under PMJDY. You can get RuPay card issued from SBI under the existing account and get insurance benefit.
Sir maine pmjdy ke jariye central bank of india mein account open kiya hai rupay debit card kab tak mil jayega tell me
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.
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
Aapke bank se RuPay card issue karwa lijiye. Milne par aapko insurance benefit milega.
Rakesh kumar thakur
mara a/c bobaroda may hai kya may apna new a/c pnb may kole sakta hu pm ji dwara
jan dan a/c may,pls reply for hindi
Naya account kholne ki zarurat nahi hai. Aap bank se RuPay card issue kar lijiye. Jiske baad aap insurance ka labh mil jayega.
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…
Aapko naya account nahi kholna chahiye. But aap SBI me RuPay card ke liye request dijiye. Card milne ke baad aapko insurance ka labh mil jayega.
Sir me aj icici bank me gaya waha muje bola ki pmjdy ja a/c only for girls h boys nhi khulwa skte pks. Help
Aapko galat information di gayi hai. Aap Jan dhan helpline nos. pe phone karke 1800-180-111 and 1800-110-001 baat kar sakte hai. sari jaankari le sakte hai.
sir mere pahle se bank account kya main pm jan dhan yojana mein account khol sakta hu
You can’t open new account. But you can get accident insurance benefit of 1 Lac after bank issues you RuPay debit card. You can contact bank about this. Thanks.
I m 16years old can I open an account
You must be 18 years old to open this account
how many members of a family can open jan dhan jojana a/c
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.
Dear Shyamala, I believe it is not mandatory. You can also contact special helpline no – 1800-180-111 and 1800-110-001 to get your queries resolved. Thank you.
mera account pehle se hi bank m hai kya main Jan dhan yojna ka account khol sakta hu
Yes. You can open the account.
Hello sir,Stat benk me gaya to vhake adhikarine kha ki apke parivar mese koy ek ka khta he to nahi khul sakta kya a sach he mejanna chahta hu.kya me to khol sakta hu
2 people from one family can open account
i want open account of jan dhan yojana and please give me link for download form PNB Bank..
thanks & Regard
Sorry Naveen. I can’t provide you the download form. I doubt any bank has uploaded the form on their website. You can directly visit bank.
I am under 18….but i have aadhar card…..can i also get a PMJDY bank account
As per set rules, only 18+ years age person can open the account.
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….
sir’ I want to open an a/c in sbi but I have D.L and Pan card in proof.
You can open the account since you have all the required documents.
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.
i have already a saving bank account in canara bank,can i open new account for jan dhan yojna
Yes, account can still be opened as many people have done it. However as of now, there is no update from the government on whether existing holder would get insurance benefit or not.
mera pehle se bank me khata hai kya main is yojna ke tahat khata khol sakta hu
Yes Deepak, you can open the account. But there is no update from the government on whether existing holder would get insurance benefit or not.
Thankyou so much sir for helping me out….
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.
Punjab bank what’s benefits meet under this pm yojana?
Benefits offered by all the banks are same. Please refer my post above.
Hi .me abhi faridabad me rehti hu mere pass shahdara k address ka aadhaar card h .kya mera account open ho sakta h
As per my knowledge you can open the account. But I request you to contact any public sector banks for further details.
sir icici mein khol sakte hai account
Yes, you can open the account at ICICI bank.
can I open this account for my younger brother and sister who are students or is it only for 18+ people?
It is only for 18+ years
What if we have alreaday bank account? Shall we open accoun in this scheme,It vl create any problems.?
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.
Bhaiyo mo ku b kholna h a/c isliye maari madat karo
What help you need?
pritam kr verma
sir kya college documents she account open ho skta hai
No. It is not possible. Still I assume you must be having other documents. So please contact nearest bank regarding your query.
Kya mera account khul skta Jan shan yojna me kyoki , l am student or mere age 18 year hai
Account can be opened only by person within the age group 18-59 years. You should have completed 18 years in order to open the account.
You’re eligible to open the account, since you’re aged 18 years.
May I plz know the saving Interest which we can get on regular deposits..??
So far there is no update on savings interest. Will update you once I get any update on this. Thank you for posting the question.
sir, m in bihar n I wnt to knw tht is there is an extra charge for opening account…
There is no extra charge.
I have only my voter id for proof no other document I have . Can I open a bank a/c under jan dhan yojna
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.
kya sirf aadhar card se account khul sakta he ya fir or document chahie.
You need to provide address proof as well
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.
Bank of Baroda me Jan dhan
Yes. Bank of Baroda is a public sector bank and people can open account with them.
Very useful info. at one place. Thanx
Thank you Aditya.
I want open Jan dhan account
Hello Sivendu, You should approach nearest public, private or rural bank (SBI, Canara Bank, Punjab National Bank & others) and ask details. They would be more than happy to help you.
sir pls how to open tha jan dhan yojna bank account
Hello, you should visit nearest public or private sector branch to open the account. You can check list of banks here: http://www.allonmoney.com/banking/banks-for-opening-jan-dhan-account/
sir pl help us
Dear Jeetendra, What help do you need?
any bank online form submit ?
kay online jan dhan any bank me online aply ki subhidha ha
As of now, No. You have to personally visit to open the account.
As of now, No.
i like sbi bank jandhan yojna
p thirumal reddy
last date for opening zero account