Jan Dhan Scheme: The central government started Jan Dhan Yojana to benefit the people. This scheme has been started by the government so that people living in villages can be given banking facilities. With the help of this account, people have many benefits like savings accounts, insurance, and pensions. This account has completed the work of DBT.
Let us tell you that more than 53 crore people benefit from this government scheme. At the same time, there are many people who do not know about this account. Through this article, we will talk about the special facilities of Jan Dhan’s account.
Overdraft facility is available
Let us tell you that you can get an overdraft facility up to Rs 10 thousand from Jan Dhan’s account. Account holders can avail of an overdraft facility of up to Rs 10 thousand in this zero-balance account at any time. Earlier, a benefit of Rs 5 thousand was available as an overdraft. But now a benefit of Rs 10 thousand is being provided. You can also take advantage of this facility when needed.
In case of overdraft, a small amount has to be paid to the bank as interest. People earning less than this amount can fulfil their small needs. They do not have to beg in front of anyone. You can use this money without making any extra documents and files.
What is overdraft?
Overdraft is a type of loan. Through this, the bank gives money on loan to the customers. Interest is also charged by the bank on this loan. Along with this, the amount taken also has to be repaid.
Know who gets the benefit?
If the savings account holder’s account is 6 months old, then that account holder can easily overdraft Rs 10,000. Apart from this, people earning money from their families benefit from this facility. To take advantage of this, having money continuously in your account is necessary. Your account should be linked to the Aadhaar number. Along with this, you should not have a Jan Dhan account anywhere else. The applicant should be between 18 years and 65 years old.
