Pradhan Mantri Jan Dhan Yojana

Pradhan Mantri Jan Dhan Yojana (PMJDY) is a Financial Inclusion scheme to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance and Pension in an affordable manner.

Pradhan Mantri Jan Dhan Yojana


Benefits attached to the Pradhan Mantri Jan Dhan Yojana scheme are:

  • Interest on deposit.

  • Accidental insurance cover of Rs.1.00 lac

  • No minimum balance required. However, for withdrawal of money from any ATM with Rupay Card, some balance is advised to be kept in account.

  • Life insurance cover of Rs. 30,000/-

  • Easy Transfer of money across India

  • Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.

  • After satisfactory operation of the account for 6 months, an overdraft facility will be permitted

  • Access to Pension, insurance products.

Pradhan Mantri Jan Dhan Yojana - Key Features

Documents Required

Any of the following documents are required for opening Jan Dhan account.

  • Passport

  • Driving license,

  • Permanent Account Number (PAN) Card,

  • Voter’s Identity Card issued by Election Commission of India,

  • Job card issued by NREGA duly signed by an officer of the State Government,

  • Letter issued by the Unique Identification Authority of India containing details of name, address and Aadhaar number, or

  • Any other document as notified by the Central Government in consultation with the Regulator:

  • Identity card with applicant's Photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions;

  • Letter issued by a Gazetted officer, with a duly attested photograph of the person.

Those persons who do not have any of the ‘officially valid documents’ can open “Small Accounts” with banks.

A “Small Account” can be opened on the basis of a self-attested photograph and putting his/her signatures or thumb print in the presence of officials of the bank. Such accounts have limitations regarding the aggregate credits (not more than Rupees one lakh in a year), aggregate withdrawals (nor more than Rupees ten thousand in a month) and balance in the accounts (not more than Rupees fifty thousand at any point of time).

These accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to continue for a further period of twelve more months, if the account-holder provides a document showing that he/she has applied for any of the Officially Valid Document, within 12 months of opening the small account.

Eligibility Criteria

All Indian nationals are eligible to apply for the Jan Dhan Yojana scheme. Any form of identity proof that is duly authorised by gazette officers is acceptable to open a Jan Dhan Yojana account; in the absence of any available documentation, banks are required to conduct through background checks. Rest assured that lack of adequate documentation does not automatically disqualify you from the scheme. Minors above the age of 10 are also eligible for the scheme, and can avail of the RuPay debit card associated with the account to withdraw money from ATMs.

Life insurance eligibility

The conditions for life insurance eligibility under the Jan Dhan Yojana are a lot more stringent than they are for basic qualification for the scheme. Life insurance coverage is only offered to one member of a household, and you must either be the head of your household or, if the head of the house is over 60 years of age, then you must be the second oldest earning member.

You must also be between 18 to 59 years of age, and must have opened a bank account for the first time between 15th August, 2014 and 31st January 2015. Your bank account must be bio-metric linked and you must also hold a RuPay card. You are not eligible for insurance coverage if you are a State or Central Government employee, public sector employee, have a taxable income, or have life insurance from any other scheme.

Personal accident insurance eligibility

Accident cover pays out up to Rs.1 lakh in the case of accidental death. To be eligible, you must have a RuPay card with at least one successful financial or non-financial transaction within 90 days prior to the date of the accident.

Apply for Jan Dhan Yojana scheme

In order to open a Jan Dhan Bank Account, you need to fill the following application form.

Following details are required to be filled in Jan Dhan Yojana account.

  • Bank details: This is the section where you need to provide all the relevant information of the bank so that you can start a Jan Dhan bank account. Fill in information about the name of your bank branch, the name of your town, your sub-district and block name, your district, your state, SSA code, village code and town code.

  • Scheme applicant’s details: This section requires you to fill in all relevant personal information about yourself. This would involve entering personal details like your full name, marital status,name of father/spouse, address, pin code, telephone number, Aadhaar card number, MNREGA job card number, occupation, annual income, number of dependents, asset details, existing bank account number and Kisan Credit Card details.

  • Nominee details: This section needs you to provide details about the nominee that you want to select. Carefully fill in the details about the name of the nominee, relationship, age, date of birth and details about the person authorisedto receive the funds in event of the nominee’s death.

After that, submit it to any of the banks below. 

Government Banks

  • State Bank of India (and its affiliated banks)

  • Bank of Baroda

  • Bank of India

  • Allahabad Bank

  • Vijaya Bank

  • Central Bank of India

  • Punjab National Bank

  • Dena Bank

  • Bhartiya Mahila Bank

  • Punjab and Sindh Bank

  • Oriental Bank of Commerce

  • Canara Bank

  • Bank of Maharashtra 

  • Corporation Bank

  • Indian Bank

  • Union Bank of India

  • Andhra Bank

  • IDBI Bank

  • Syndicate Bank

Private banks

  • HDFC Bank

  • ICICI 

  • YES Bank

  • Karnataka Bank

  • Kotak Mahindra Bank

  • Axis Bank

  • Dhanlaxmi Bank

  • Federal Bank

  • Induslnd Bank

  • ING Vyasa Bank

Track Status

To check the status of your Pradhan Mantri Jan Dhan Yojana account, 

Pradhan Mantri Jan Dhan Yojana - Track Status

  • Enter the reference number you received after submitting the documents to know the status.

Application Forms

Application form for opening Jan Dhan Bank Account (English)

Application form for opening Jan Dhan Bank Account (Hindi)

Application form for availing Life Insurance cover under Jan Dhan Bank Account



What are some common queries related to Jan Dhan?
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Jan Dhan queries and its answers
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