Jan Dhan Yojana - Zero Balance Bank Account Opening Guide
How to open Pradhan Mantri Jan Dhan Yojana account with zero balance. Benefits include RuPay debit card, insurance, and overdraft facility.
PM Jan Dhan Yojana
Pradhan Mantri Jan Dhan Yojana (PMJDY) is a financial inclusion program that ensures access to financial services like banking, savings, credit, insurance, and pension for every household in India. Accounts can be opened with zero balance.
Benefits of PMJDY Account
- Zero balance savings account
- Free RuPay Debit Card
- Accidental insurance cover of Rs 2 lakh
- Life insurance cover of Rs 30,000
- Overdraft facility up to Rs 10,000
Eligibility Criteria
Any Indian citizen above 10 years of age who does not have a bank account. Minor accounts can be opened by guardians.
Benefits
Zero minimum balance. Free RuPay card with Rs 2 lakh accident insurance. Rs 30,000 life cover. Overdraft up to Rs 10,000. Direct benefit transfer.
Documents Required
Aadhaar Card (sufficient for KYC). If no Aadhaar: Voter ID/Driving License + self-certification
How to Apply
1. Visit nearest bank branch or Banking Correspondent 2. Ask for Jan Dhan Yojana account opening form 3. Fill the simplified form 4. Submit Aadhaar card copy 5. No minimum balance required 6. Receive RuPay debit card and passbook
Official Links
https://pmjdy.gov.inFrequently Asked Questions
Who is eligible for Jan Dhan Yojana?
Any Indian citizen above 10 years of age who does not have a bank account. Minor accounts can be opened by guardians.
What documents are required?
Aadhaar Card (sufficient for KYC). If no Aadhaar: Voter ID/Driving License + self-certification
How to apply?
1. Visit nearest bank branch or Banking Correspondent 2. Ask for Jan Dhan Yojana account opening form 3. Fill the simplified form 4. Submit Aadhaar card copy 5. No minimum balance required 6. Receive RuPay debit card and passbook