Pradhanmantri jan dhan yojana: The Pradhan Mantri Jan Dhan Yojana was started by the Prime Minister of our country, Narendra Modi in the year 2014. The scheme was launched on August 2014 and especially the scheme was done to provide cheap financial services to weak and economically disadvantaged sections. Millions of people of our country are taking advantage under this scheme. In such a situation, this is a great initiative among the biggest financial inclusion initiatives globally under the leadership of the Ministry of Finance.
This is the purpose behind the plan
PMJDY provides a basis for every family for at least one basic banking account, financial literacy and access to loan, insurance and pension facilities as well as universal access to banking facilities. The objective behind this scheme is to expand banking services through branch and banking reporters (BC). It has included both urban and rural areas and those who open the account are given indigenous debit cards (Rupay card). There is no need to maintain any minimum balance amount in PMJDY accounts.
People with low income have inclusive development
Under this scheme, an account can be opened on zero balance. An accident insurance cover of Rs 1 lakh (after 28.8.2018 has been increased by Rs 2 lakh for the new PMJDY accounts opened after 28.8.2018) PMJDY, RUPAY card issued to account holders. Under the scheme Every character adult gets an overdraft facility of Rs 10,000. Through this scheme, the financially disadvantaged sections with low income also get the benefit of financial services and their inclusive development is done.
Women are also becoming strong
There is also empowerment of women under this scheme. There are 55.5% Jan Dhan accounts under Pradhan Mantri Jan Dhan Yojana. In such a situation, this scheme also empowers women. The facility of overdraft is present for only one account of every family, which is preferably for the woman of the house. More than 50 crore people have been included under this scheme. About 67% of these accounts have been opened in rural and semi-urban areas. About 34 crore Rupay cards have been issued for these accounts, which give an accident insurance cover of Rs 2 lakh.
प्रधानमंत्री फ्री बिजली योजना
Eligibility required to open account under Pradhan Mantri Jan Dhan Khat Yojana
- Applicants should be native to India
- The age of the applicant should be more than 18 years and the maximum age should be 65 years.
- The option of opening a joint Jan Dhan account has also been given for children under 10 years of age.
- Any person can open his Jan Dhan account with zero balance.
- The benefit of PM Jan Dhan Yojana is not available to the central or state government government employees.
- People who deposit tax are also not eligible to take advantage of this scheme.
Documents required for Pradhan Mantri Jan Dhan Account Scheme
- Aadhar card of application
- Mobile number
- Address proof
- PAN card
- Passport Size Photo
The process of opening the account is very easy
If you too Prime minister Jan Dhan Account Scheme If you want to open an account under, then you can open your account by going to your nearest bank. The process of opening an account under this scheme is very easy. You have to go to the bank and get the application form, all the information will have to be entered in it and all the related documents will have to be installed and it will have to be submitted to the bank. Later, your application will be examined by the bank officer and the account is opened if everything is found right.
