PM Jandhan Account: If you have not yet opened an account under Pradhan Mantri Jan Dhan Yojana (PMJDY), then open such an account immediately.
It is one of the most ambitious financial programs launched by the government. Under this scheme, the poorest of the poor can open their bank account. In which many different economic benefits are available. So let’s know about these benefits…
What is Jan Dhan Account?
Pradhan Mantri Jan Dhan Yojana (PMJDY) is the most ambitious financial program that ensures access to banking/savings and deposit accounts, remittance, credit, insurance, pension. This account can be opened at any bank branch or Business Correspondent (Bank Mitra) outlet. PMJDY accounts are being opened with zero balance.
Get a benefit of Rs 1.30 lakh
In the account opened under the Pradhan Mantri Jan Dhan Yojana, a total benefit of Rs 1.30 lakh is given to the account holder. Accident insurance is also given in this. Accident insurance of Rs 1,00,000 and general insurance of Rs 30,000 is given to the account holder. In such a situation, if the account holder has an accident, then Rs 30,000 is given. If the account holder dies in this accident, then one lakh rupees are given, that is, a total benefit of Rs 1.30 lakh is available.
Know How to open an account?
Under the Pradhan Mantri Jan Dhan Yojana, more accounts are opened in public sector banks. But, if you want, you can also open your Jan Dhan account in any private bank. If you have any other savings account then you can convert it to Jan Dhan account also. Any citizen residing in India, whose age is 10 years or more, can open a Jan Dhan account.
These documents are needed
Verification of documents is required under KYC to open Jan Dhan account. Jan Dhan account can be opened using these documents. Aadhar Card, Pan Card, Driving License, Voter ID Card, Passport, MNREGA Job Card.
These benefits will be available in Jan Dhan account
- No hassle of maintaining minimum balance in the account.
- Savings account will continue to get the same interest.
- Mobile banking facility will also be free.
- Accident insurance cover up to Rs 2 lakh for each user.
- Overdraft facility up to Rs 10,000.
- RuPay card is available for cash withdrawal and purchases.
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