Pradhan Mantri Jan Dhan Yojana
CURRENT APPLICATION STATUS:
🟢 Active Information Guide
Active Scheme Information Guide
Department: Department of Financial Services, Ministry of Finance, Government of India
Last Verified: 27 August 2026
Official Source: https://pmjdy.gov.in ↗
*Basic Savings Bank Account with zero minimum balance requirement
*RuPay debit card for easy cash withdrawals and digital transactions
*Accidental insurance cover (typically up to Rs2 lakh, subject to conditions)
*Life insurance cover (available for eligible beneficiaries enrolled initially)
*Overdraft facility (up to Rs10,000 for eligible account holders)
*Direct Benefit Transfer (DBT) access for government subsidies and welfare schemes
*Access to micro-credit, pension, and insurance products
*Financial inclusion support, especially for rural and unbanked populations
Eligibility Criteria & Conditions
*Indian Citizen
*Minimum age:10 years (minors can open accounts with a guardian)
*Must not already have a basic savings bank account (or can convert an existing account into a PMJDVaccount)
Required Documents & Verification
*Requires basic KYC documents (Aadhaar card, voter ID, PAN, etc.)
*If KYC documents are not available, a Small Account can be opened with simplified documentation (subject to certain limits)
*Priority given to unbanked and financially excluded individuals, especially in rural areas
Frequently Asked Questions (FAQs)
What is the current status of Pradhan Mantri Jan Dhan Yojana?
Active Scheme Information Guide
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