Do you have enough money in your in your wallet which is sufficient for your whole month. Most of you won’t agree with this. This modernised world has been introduced very well with UPI and online transaction system. As for any online payment it’s just one click away.
It is also beneficial for online transaction of money to someone all across India. Also having a bank account can give us exposure to take loans on it , interest on saving your money in the bank . But family is with economically weaker se action rural are not aware of benifits of having a bank account. that is why government has introducer this scheme Pradhan Mantri Jan Dhan Yojana to include such sections of society.
This initiative will help in Awareness of rural areas about having a bank account and saving options. In this article we will discuss all the relevant knowledge about the Pradhan Mantri Jan Dhan Yojana Scheme.
Pradhan mantri jan dan yojana(PMJDY)
It was launched by Pm Narendra Modi on 28 Aug 2014 and it falls under the Ministry of Finance.The beneficiary of the scheme is citizens of India who are not having any other bank accounts and if they are minimum of age 10 years old , they can avail this scheme.
It focuses to increase banking services through branches and banking correspondents. To ensure expansion and making affordable access to finances. In this the account opens at a zero balance account.
Pradhan Mantri Jan Dhan Yojana is a financial program launched by the Government of India in August 2014. It aims to provide banking services to the unbanked population of the country and promote financial literacy and inclusions among all sections of society. This Scheme focuses on educating people about banking services, digital transactions, and the importance of saving and investing.
| Name of Scheme | Pradhan Mantri Jan Dhan Yojana |
| Released date of scheme | August 2014 |
| Operated by | Central Government |
| Ministry name | Ministry of finance |
| Total Opened Account | 42.37 Crore account |
| Toll free number | 1800110001 |
| Official website | https://pmjdy.gov.in/ |
How to apply in PMJDY
- If you want to apply in Pradhan Mantri Jan Dhan Yojana (PMJDY) you can simply follow these steps.
- Visit the nearest bank branch that participates in the PMJDY scheme. Mostly banks participated in PMJDY Scheme.
- Fill out the account opening form, request the Pradhan Mantri Jan Dhan Yojana account opening form from the bank staff.
- After filling application you will need to provide certain documents for verification.
- At that time of account opening, you will need to submit ID proof like pan card, voter ID, ration card etc. Also need to submit passport size photograph provide biometric.
- After submitting all required document to the bank staff, they will verify all details and take action for further process of account opening.
- After successful process, they will provide bank details like account number, password, passbook and give you relevant information regarding to your bank account.
Check PMMVY Payment Status of Pradhan Mantri Matru Vandana Yojana
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Pradhan mantri jan dan yojana(PMJDY) key points
Pradhan Mantri Jan Dhan Yojana is a financial support programme launched by the Indian government in August 2014. The main purpose of this scheme is to provide financial support by the process of providing banking service for unbanked population.
The big achievement for Pradhan Mantri Jan Dhan Yojana is to increase in the number of people availing bank services. In 2021, over 43 crore bank accounts have been opened under this scheme with the total deposit of more than 1.4 lakh crore.
PMJDY has also played a main role in promoting promoting financial literacy. The meaning of this scheme is to a beer people with the knowledge of bank services. It focuses on digital transaction like send money online and receiving also government conduct camp to aware the people.
When people have their account in bank, then government easily transfer the money like subsidies and other useful money in their account digitally.
Pradhan Mantri Jan Dhan Yojana benefits
If you are going to open account in PM, Jan Dhan Yojana, then following benefits are available.
One. Basic saving account is open for any bank person.
There is no need to maintain any minimum balance in PMJDY account, Can we open with zero balance.
You will get interest in your account on deposit money.
RuPay Debit card is provided to PMJDY account.
Pradhan Mantri Jan Dhan Yojana, FAQs
What is the Pradhan Mantri Jan Dhan Yojana (PMJDY)?
Pradhan Mantri Jan Dhan Yojana is the national Mission for financial inclusion launched by the government of India on August 2014. The meaning of the scheme is to provide banking services.
What is the benefits of PMJDY Yojana?
By the help of PMJDY yojana government provide bank services to unbank population and provide various schemes by the help of PMJDY Yojana.
Where PMJDY accounts could be opened?
PMJDY accounts could be opened in any bank branch who support PMJDY Yojana.
Who is eligible for PM Jan Dhan Yojana?
If you planning to open PMJDY account, then you should read all the eligibility criteria provided by the government like applicant should be from the age group 18 years to 59 years.