Jan Dhan account holders can also get the benefit of Atal Pension Yojana and Insurance Scheme soon. Apart from this, a plan to provide loan facility to farmers and small traders through public account is also being considered. Sources related to the matter have given information about this.
If sources are to be believed, banks will soon start opening new accounts under Jan Dhan 3.0 across the country. In the new phase, the government’s emphasis will also be on digital doorstep banking so that the benefits of banking, insurance and pension can be given to more and more people. Sources related to the matter say that banks have been told that in view of the increasing importance of digital banking in the changing times, the Jan Dhan account should be used as a platform to avail benefits of all types of essential banking, insurance and pension schemes. work.
It is worth mentioning that Jan Dhan account has been one of the ambitious initiative of Prime Minister Narendra Modi. More than 40 crore accounts were opened under this scheme in a record short time. Despite the criticisms of many experts, the importance of Jan Dhan account has been seen on many occasions including sending money directly to the needy in the corona epidemic, giving benefits of government schemes directly to the account. Now, considering its reach, experts are calling it a dice turner.
Preparation to add Atal Pension Yojana
The government wants to link many of its schemes with the Jan Dhan account. Sources related to the matter say that the most important in this is the Atal Pension Yojana. Apart from this, banks have been asked to consider linking Sukanya Samridhi Yojana, PM Svanidhi Yojana and Standup India and government insurance schemes with Jan Dhan account. Banks have been told that under Jan Dhan, Aadhar and Mobile (JAM), they should try to connect Jan Accounts with all banking facilities so that maximum benefit is given to the account holders.
Farmers and small traders will also get benefit
Through Jan Dhan accounts, the government is now also providing facilities to farmers and businessmen associated with the micro, small and medium (MSME) industry. Through this, work is also being done to start a scheme to provide quick loans to farmers and small traders. Apart from this, the government is working on a plan to provide door-to-door banking facility. This includes promoting digital banking and providing banking facilities within every five kilometer radius.
Multiple benefits on one account
In Jan Dhan account, you are given accident insurance of Rs 2 lakh and general insurance cover of Rs 30 thousand. Earlier the accident insurance cover was one lakh rupees which was increased to two lakh rupees in the year 2018. Apart from this, overdraft facility, free mobile banking, Rupay debit card is available after six months of account opening. Along with this, the money of the benefits of government schemes comes directly into the account.
Account can be opened like this
Any person of the age of 10 years or above can open this account. Documents that fulfill the KYC requirement can be submitted including Aadhar Card, Passport, Driving License, MGNREGA Job Card. If you do not have documents, you can open a small account in which you have to fill in self attested photograph and signature in front of the bank official. You do not have to pay any kind of fee to open a Jan Dhan account.