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PM Jan Dhan Account Opening: Online Process

The Pradhan Mantri Jan Dhan Yojana is a scheme launched by Prime Minister Narendra Modi on 15th August 2014. It aims to provide affordable banking services to the economically disadvantaged sections of society. Over 47 crore Jan Dhan accounts have been opened under this scheme so far.

This article provides a step-by-step guide on how to open a Jan Dhan account online or offline. It also highlights the key features, benefits, eligibility criteria and required documents for opening an account.

 PM Jan Dhan Account Opening: Online Process

Key Highlights of Jan Dhan Scheme

Scheme Name: Pradhan Mantri Jan Dhan Yojana

Launched: 15th August 2014

Target Group: Citizens without a bank account

Objective: Financial inclusion of low-income groups

Accounts Opened: Over 47 crore

Website: pmjdy.gov.in

Benefits of Jan Dhan Account

Some key benefits of a Jan Dhan account include:

  • No minimum balance requirement
  • Interest earned on deposits
  • Rs.1 lakh accident insurance cover
  • RuPay debit card facility
  • Easy access to loans and overdraft

Jan Dhan account holders also get direct access to various government subsidies and financial aid deposited into their accounts.

Eligibility Criteria

To open a Jan Dhan account, the applicant must:

  • Be a resident Indian citizen
  • Not have any existing bank account
  • Be at least 10 years old

Documents Required

The documents required for opening a Jan Dhan account are:

  • Aadhaar Card
  • PAN Card
  • Voter ID Card
  • Ration Card
  • Passport size photographs

How to Open Jan Dhan Account Online

Follow these steps to open a Jan Dhan account online:

  1. Visit pmjdy.gov.in
  2. Download account opening form in required language
  3. Fill the form with personal and KYC details
  4. Attach scanned copies of documents
  5. Submit the form online
  6. Visit nearest bank branch to complete process

How to Open Jan Dhan Account Offline

To open an account offline:

  1. Visit your nearest bank branch
  2. Ask for Jan Dhan account opening form
  3. Fill in details and attach KYC documents
  4. Submit the form at the branch
  5. Collect your passbook after account opening

Other Key Details

Here are some other important details about the Jan Dhan scheme:

Particulars Details
Overdraft Facility Up to Rs 10,000 overdraft after 6 months of account opening
Cash Withdrawals No limit, charges apply after 4 withdrawals per month
Rupay Debit Card Free debit card facility with accident insurance cover

This scheme has brought millions of low-income families into the formal banking system. Jan Dhan accounts provide access to banking, credit, insurance and pensions services.

Click Here: https://www.pmjdy.gov.in/


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Conclusion

The Pradhan Mantri Jan Dhan Yojana has been a flagship scheme enabling financial inclusion. Citizens can easily open these zero balance accounts by submitting KYC documents and visiting the nearest bank branch. Jan Dhan accounts provide holders with RuPay cards, overdraft facility, insurance and pension benefits.

FAQs

Q1: Who is eligible for opening a Jan Dhan account?

A1: All Indian citizens without an existing bank account and above 10 years of age can open Jan Dhan accounts.

Q2: What is the accident insurance cover in Jan Dhan account?

A2: Jan Dhan account holders get free accident insurance coverage of Rs 1 lakh.

Q3: Can I get a loan against Jan Dhan account?

A3: Yes, account holders can avail overdraft facility up to Rs 10,000 after 6 months of satisfactory account operation.

Q4: Is Aadhaar mandatory for Jan Dhan account?

A4: Linking Aadhaar with Jan Dhan account is mandatory to continue receiving government benefits and subsidies.

Q5: What is the withdrawal limit in Jan Dhan account?

A5: There is no limit on cash withdrawals. However, charges apply after 4 free withdrawals per month.

Q6: Can I open Jan Dhan account online?

A6: Yes, you can fill the form online but will need to visit the bank branch to complete the account opening process.

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