Under the Pradhan Mantri Jan Dhan Yojana, beneficiaries can avail overdraft facility up to Rs 10,000. Under overdraft, even if you do not have enough money in your account, you can still withdraw money or make transactions up to a certain limit.
Narendra Modi government’s popular scheme- Pradhan Mantri Jan Dhan has completed 11 years. The number of accounts opened under the scheme has increased to 56.16 crores in 11 years. At the same time, Rs 2.68 lakh crore was deposited in the accounts. Under the scheme, account holders get many big facilities. One of these facilities is overdraft. Let us know about this facility in detail.
What is the overdraft limit
Under the Pradhan Mantri Jan Dhan Yojana, beneficiaries can avail overdraft facility up to Rs 10,000. Under overdraft, even if there is not enough money in your account, you can still withdraw money or make transactions up to a certain limit. Under the scheme, all beneficiaries receive a free RuPay debit card with an accident insurance cover of Rs 2 lakh.
what do the statistics say
Recently, the Finance Ministry said that the number of accounts under Jan Dhan has increased from 14.72 crores in March 2015 to 56.16 crores by 13 August 2025. 56 percent of the account holders are women. At the same time, 67 percent of the accounts have been opened in rural and semi-urban areas. Rs 45 lakh crore was transferred directly to the accounts of beneficiaries through Direct Benefit Transfer (DBT). 94 percent of India’s adult population now has a bank account.
Debit cards worth Rs 38.68 crore issued
A total of 38.68 crore RuPay debit cards have been issued to Pradhan Mantri Jan Dhan Yojana account holders. This has facilitated them in cashless transactions and access to built-in accident insurance cover. These accounts are eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), and Micro Units Development and Refinance Agency Bank (MUDRA) Yojana.
