Pradhan Mantri Jan Dhan scheme
Pradhan Mantri Jan Dhan scheme

The main objective of PradhanMantri Jan Dhan Scheme is to connect the poor people of the country with banks. Because of which the government can send financial help to the poor from time to time in their bank accounts so that they do not have any problem in living their lives.

At present, the government benefits all schemes directly to the poor through the Jan Dhan bank account. The government now transfers the amount of all schemes, including LPG subsidy, Kisan Samman Nidhi Yojana (Kisan Samman Nidhi Yojana), old-age pension scheme, crop insurance scheme directly to the bank account.

In such a situation, you can understand how important the Jan Dhan account is for the economically lower sections. Today, there are about 38.41 crore Jan Dhan accounts in the entire country. 131825 crores in these accounts

Pradhan Mantri Jan Dhan Yojana

Pradhan Mantri Jan Dhan Yojana was started to connect poor people with maximum number of banks. Its purpose is to stop poor corruption and directly benefit the poor government schemes so that people can get help easily.

Initially, the scheme was announced by the current Prime Minister of India, Narendra Modi, on 15 August 2014. It was launched on 28 August 2014 under the supervision of former Finance Minister Arun Jaitley.

The accounts opened under this scheme are in the name of most women! In this scheme, more than 59 percent of accounts have been opened in rural and semi-urban areas! In this scheme, you can take a loan of up to 10 thousand on a 6-month-old account.

Pradhan Mantri Jan Dhan scheme

The accident cover of one lakh rupees is given by the government on this Jan Dhan account to be opened on zero balance. Under this scheme, a life insurance policy of Rs 30,000 will be given to the nominee on the death of the policyholder.

Given the success of this scheme, the government has increased accident insurance for accounts opened after 28 August 2018 from Rs 1 lakh to Rs 2 lakh. With this, the overdraft limit has also been doubled to Rs 10,000. 32 crore in the country by December 2018.

Also Read : What is PAN Card

So far, more than 40 crore people have availed the benefit of this scheme, according to government data, 1.30 lakh crore has been deposited in the accounts opened by the Pradhan Mantri Jan Dhan Yojana.

PradhanMantri Jan Dhan Scheme was Introduced by

Pradhan Mantri Jan Dhan Yojana was launched on 15 August 2014 under the leadership of the current Prime Minister Narendra Modi. After the launch of this scheme, so far 24.98 crore people have opened accounts taking advantage of this scheme.

Also Read : What is MNREGA Scheme

Benefits of PradhanMantri Jan Dhan Scheme

  • You will get interest on depositing money in it separately
  • There is no minimum amount available in this account.
  • The benefit of any government scheme can be directly delivered to the poor
  • Under this Jan Dhan Khata scheme, withdrawing, depositing, transferring funds, mobile banking facility is all free in the whole of India.
  • Access to pension and insurance products is given to the account holder under this scheme.
  • Under this scheme, anyone over the age of 10 who does not have any bank account can open a bank account with zero balance.
  • Life cover of 30 thousand rupees, which is paid on the death of the victim. However, some rules and conditions have been made for this, which need to be fulfilled only when the victim’s family gets its benefit.
  • With the Jan-Dhan account, you get an overdraft facility of Rs 5 thousand. You get this facility only when you manage your account better for six months. Aadhar card is also required for this. If there is no Aadhaar card, the bank will conduct an inquiry at its level only after that you will be provided this facility.
  • If you have opened more than one Jan Dhan accounts in a family, then one overdraft facility will be available per family.

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  • Life cover of 30 thousand rupees, which is paid on the death of the victim. However, some rules and conditions have been made for this, which need to be fulfilled only when the victim’s family gets its benefit.
  • With the Jan-Dhan account, you get an overdraft facility of Rs 5 thousand. You get this facility only when you manage your account better for six months. Aadhar card is also required for this. If there is no Aadhaar card, the bank will conduct an inquiry at its level only after that you will be provided this facility.
  • If you have opened more than one Jan Dhan accounts in a family, then one overdraft facility will be available per family.
  • Life cover of 30 thousand rupees, which is paid on the death of the victim. However, some rules and conditions have been made for this, which need to be fulfilled only when the victim’s family gets its benefit.
  • With the Jan-Dhan account, you get an overdraft facility of Rs 5 thousand. You get this facility only when you manage your account better for six months. Aadhar card is also required for this. If there is no Aadhaar card, the bank will conduct an inquiry at its level only after that you will be provided this facility.
  • If you have opened more than one Jan Dhan accounts in a family, then one overdraft facility will be available per family.
  • Life cover of 30 thousand rupees, which is paid on the death of the victim. However, some rules and conditions have been made for this, which need to be fulfilled only when the victim’s family gets its benefit.
  • With the Jan-Dhan account, you get an overdraft facility of Rs 5 thousand. You get this facility only when you manage your account better for six months. Aadhar card is also required for this. If there is no Aadhaar card or Voter ID Card, the bank will conduct an inquiry at its level only after that you will be provided this facility.
  • If you have opened more than one Jan Dhan accounts in a family, then one overdraft facility will be available per family.
  • Life cover of 30 thousand rupees, which is paid on the death of the victim. However, some rules and conditions have been made for this, which need to be fulfilled only when the victim’s family gets its benefit.
  • With the Jan-Dhan account, you get an overdraft facility of Rs 5 thousand. You get this facility only when you manage your account better for six months. Aadhar card is also required for this. If there is no Aadhaar card, the bank will conduct an inquiry at its level only after that you will be provided this facility.
  • If you have opened more than one Jan Dhan accounts in a family, then one overdraft facility will be available per family.

Also Read : What is Aadhar Card ?

Apply for PradhanMantri Jan Dhan Scheme

You can open Prime Minister Jan Dhan account in any government bank by giving only Aadhaar card, for this you have to complete the following procedure

Step 1- To open a Jan Dhan account, you have to give one of these documents.

1. Driving License2. Aadhaar Card
3. Voter ID4. Passport
5. PAN card6. MGNREGA Job Card
7. NREGA CARD8. Any other document issued by the Central or State Government

You can download its form from the official website of Pradhan Mantri Jan Dhan Yojana or from the website of any bank.

Complete the form completely and collect the documents required for KYC.

Take these documents to the nearest bank branch.

After verifying the documents, your account will be opened.

Also Read : What is Swachh Bharat Mission

Conclusion

The conclusion from this article is that the Prime Minister Jan Dhan account should be opened to every poor who expects some help from others, in this account the Government of India keeps sending help from time to time, which benefits the people of the country. In these accounts, the government keeps sending money of gas subsidy, farmer crop insurance scheme, old age pension, etc. directly to the account holder accounts.

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