PMJDY :At present, bank account is very important. To ensure that all people have a bank account, the central government led by Narendra Modi started the Prime Minister Jan Dhan Yojana.
Jan Dhan Yojana was started on 28 August 2014. In this scheme, beneficiaries can easily open zero balance account. According to the official website of Jan Dhan Yojana, currently there are 52.39 crore beneficiaries of Jan Dhan Yojana. This means that there are 52.39 crore Jan Dhan accounts.
There is a slight difference between Jan Dhan account and normal bank savings account. Actually, Jan Dhan account provides more benefits than savings account.
Benefits of Jan Dhan Saving Account
Interest is received on the amount deposited in Jan Dhan Saving Account. Jan Dhan Yojana also provides accident insurance of Rs 1 lakh and life cover of Rs 30 thousand. There is no limit on keeping minimum balance in Jan Dhan account. In Jan Dhan Yojana, the beneficiary gets the facility of overdraft of Rs 10,000. After the Jan Dhan account is opened, the beneficiary gets a RuPay debit card.
How to open a Jan Dhan account
If you want to open a Jan Dhan account, you can go to the post office or bank and get the account opened. Aadhar card and PAN card are mandatory for opening an account.
The applicant should be at least 10 years old to open an account. Bank account holders can also change their savings account to a Jan Dhan account.
How to open a Jan Dhan account online
You go to the official website of Jan Dhan Yojana (https://www.pmjdy.gov.in/). Now select one option from Account opening form in Hindi/Account opening form in English. Now download the bank account opening form. After this, fill all the information in the form and attach the documents and submit it at your nearest bank.