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Pradhan Mantri Jan Dhan Yojana 2025: For all those citizens of the country who want to strengthen their financial condition and want to get connected to banking facilities, the Central Government has launched an important scheme Pradhan Mantri Jan Dhan Yojana. This scheme is operated by the Finance Ministry of the Government of India and all the public and private banks of the country participate in it.
The main objective of this scheme is to provide banking services to those people who till now have been deprived of the banking system, especially the poor, labourers, rural and economically weaker sections. This not only provides them financial security, but they can also run their economic activities smoothly and move towards self-reliance.
Under Jan Dhan Yojana, eligible persons can open their zero balance bank account. They also get overdraft facilities, insurance benefits, and other financial services directly into their accounts. Apart from this, the account holder is also given the benefit of modern facilities like Debit Card (RuPay Card), Check Book, Mobile Banking, and Internet Banking.
In this article, we will share all the important things related to PMJDY 2025 — like the objective of the scheme, key benefits, eligibility criteria, required documents, and application process.
If you also want to be a part of this scheme and strengthen your financial position, then read this article till the end.
Pradhan Mantri Jan Dhan Yojana: Overview
| name of the scheme | Pradhan Mantri Jan Dhan Yojana (PMJDY) |
| launch date | 28 August 2014 |
| Objective | Connecting all citizens to banking and financial services |
| target group | Poor, low-income and unbanked citizens |
| account type | Basic Savings Bank Account (BSBDA) |
| minimum balance | Possible to open account with zero balance |
| debit card | RuPay Debit Card is provided |
| insurance cover | Accident insurance ₹2 lakh, life insurance available |
| overdraft facility | Available up to ₹10,000 |
| banking facilities | ATM, Check Book, Internet Banking, Mobile Banking |
| Benefit | Financial inclusion, direct transfer of government benefits, secure and easy transactions |
| service provider bank | Both Government and Private Banks (SBI, HDFC, ICICI, Kotak etc.) |
| Official Website | www.pmjdy.gov.in |
Pradhan Mantri Jan Dhan Yojana (PMJDY) 2025
Hello Friends! In today’s article, we will tell you complete information related to Pradhan Mantri Jan Dhan Yojana in simple language. If you also want to make your future financially secure and want to connect with banking and other financial services, then this scheme can prove to be very beneficial for you.
The scheme is a public welfare initiative launched by the Government of India, which aims to provide basic banking services to every citizen of the country – especially the poor, laborers and people from low income groups. Under this scheme, account holders get the facility of opening bank account, RuPay debit card, insurance cover, overdraft facility, and direct benefit of government schemes (DBT) in their account.
If you also want to avail the benefits of Pradhan Mantri Jan Dhan Yojana (PMJDY), then you will have to go to any nearest government or private bank branch and open your account. Further in this article, we will give you detailed information about the application process of PMJDY 2025, eligibility criteria, required documents, and benefits of the scheme, so that you can apply easily and take full advantage of this scheme.
What is Pradhan Mantri Jan Dhan Yojana (PMJDY)?
Pradhan Mantri Jan Dhan Yojana is an important scheme of the Government of India, which was launched on 28 August 2014. Its main objective is to connect every person of the country, especially the poor and economically weaker sections, with banking services. Under this scheme, any citizen can open a Basic Savings Bank Account (BSBDA) without minimum amount.
On opening the account, the beneficiary gets facilities like RuPay debit card, ATM withdrawal, online transactions, and mobile banking. Apart from this, accident insurance and life insurance cover is also provided to the account holders by the government, which provides them financial security.
The biggest feature of this scheme is that the benefits of all subsidies and schemes of the government are transferred directly to the beneficiary’s account. This increases transparency and assistance reaches the poor on time. Apart from this, eligible account holders also get overdraft facility of up to ₹ 10,000, from which they can get financial assistance in emergency needs.
Objective of Pradhan Mantri Jan Dhan Yojana
The aim of this scheme is to provide banking facilities to every citizen and empower them financially. Its main objectives are:
- Connecting every person to the banking system.
- To ensure financial inclusion of the poor and low income people.
- Providing financial security through insurance and overdraft facility.
- Ensuring direct transfer of government benefits.
- Promoting digital banking and financial literacy.
In short, Pradhan Mantri Jan Dhan Yojana not only provides banking facilities but also leads the citizens towards a self-reliant and secure future.
Benefits and Features of Pradhan Mantri Jan Dhan Yojana (PMJDY)
The objective of Pradhan Mantri Jan Dhan Yojana is to connect every citizen with banking services and empower them economically. Through this scheme, poor and low income people are provided facilities like secure banking, insurance, and digital transactions.
Key Benefits and Features
- Facility to open bank account without minimum balance.
- ATM, online and mobile transaction facilities through RuPay Debit Card.
- Benefits of accident insurance and life insurance.
- Overdraft facility up to ₹10,000 in case of emergency.
- Direct Benefit Transfer (DBT) of all government schemes directly into the account.
- Check book, internet banking, and mobile banking facilities.
- Financial security and self-reliance for poor and backward class people.
- This scheme is available to all Indian citizens, without any class or income limit.
Eligibility for Pradhan Mantri Jan Dhan Yojana
To avail the benefits of this scheme, a person has to fulfill some general conditions.
eligibility conditions
- The beneficiary must be an Indian citizen.
- A person aged 10 years or above can open an account.
- The guardian can operate the account of a minor.
- Priority is given to low-income and unbanked people.
- PMJDY account can be opened even if you already have a bank account.
duck Commander
- Central or State Government employees.
- Income tax payers and their family members.
- If you are already availing the benefits of any other insurance scheme (like Aam Admi Bima Yojana), then that scheme will have to be discontinued first.
Documents required to open Jan Dhan account
Proof of identity and address is required to open an account.
Required Documents:
- Identity Proof: Aadhar Card, Voter ID, Driving License or Passport.
- Address Proof: Aadhar Card, Ration Card, Passport, Electricity or Water Bill.
- Photo: Two recent passport size photographs.
- For minor: Identification and consent letter of guardian is required.
In short, Pradhan Mantri Jan Dhan Yojana is a strong step to connect every citizen with banking and financial security.
Banks associated with Jan Dhan Yojana
Under the Pradhan Mantri Jan Dhan Yojana (PMJDY), many government and private banks of the country provide the facility to the citizens to open an account and avail the benefits of the scheme. Through these banks, people are provided basic banking services, RuPay debit cards, insurance coverage, and overdraft facilities.
Below is the list of major banks which are associated with this scheme
government bank
- State Bank of India (SBI)
- Bank of Baroda
- Punjab National Bank (PNB)
- Bank of India
- Central Bank of India
- Union Bank of India
- Indian Bank
- Canara Bank
private bank
- HDFC Bank
- ICICI Bank
- Kotak Mahindra Bank
- Axis Bank
- YES Bank
- Federal Bank
- IndusInd Bank
Through these banks, any eligible citizen can avail all the facilities and benefits provided by the government by opening a Prime Minister Jan Dhan account.
How to open an account in Pradhan Mantri Jan Dhan Yojana?
The main objective of Pradhan Mantri Jan Dhan Yojana (PMJDY) is to connect every citizen with the banking system. Opening an account in this scheme is extremely easy and any eligible person can complete it in a few simple steps.
Account opening process
- Select Bank:
First of all, go to your nearest government or private bank branch, where Jan Dhan accounts are opened. - Get Application Form:
Take the Financial Inclusion Account Opening Form from the bank and fill in your personal information like name, address, date of birth etc. carefully. - Attach required documents:
Submit the identity proof (like Aadhar Card), address proof and two passport size photographs attached with the form to the bank. - Verification and Account Activation:
The bank will check your documents and activate your Jan Dhan account if the information is found correct. - Get RuPay Card:
After opening the account, the bank will provide you RuPay debit card, through which you can withdraw money from ATM and do digital transactions. - Take advantage of the features:
Now you can access services like mobile banking, internet banking, insurance, and overdraft facility from your Jan Dhan account.
In this way, in a few easy steps, you can avail all the government and banking facilities by opening your account under Pradhan Mantri Jan Dhan Yojana.
Important Links
| PMJDY Official Website | PMJDY Portal |
