PM Jan Dhan Yojana: One of the major schemes of the Central Government. Pradhan Mantri Jan Dhan Yojana (PMJDY). has completed 10 years (on 28 August 2024). After taking over the reins of the country for the first time.
Prime Minister Narendra Modi announced this scheme from the historic Red Fort on 15 August 2014. This scheme was launched across the country on 28 August 2014.
This scheme was started with many objectives and the government also got the benefit of it. During the Corona epidemic. when the government had to deliver money to the people. through this the government delivered the money to the people as assistance.
At the same time, money from projects like Kisan Samman Nidhi and NREGA and MNREGA also kept reaching people’s accounts directly. That too was possible because of this Jan Dhan account.
The scheme was started to connect people to the banking system
When Narendra Modi’s government was formed in 2014. the first decision taken was how to connect the common man to the banking system. The government came forward for this and started the Pradhan Mantri Jan Dhan Yojana.
Through which the bank accounts of the poorest of the poor were opened at zero balance. After this the benefits of social security schemes are also being directly delivered to the beneficiaries through Direct Bank Transfer (DBT).
The purpose of the Pradhan Mantri Jan Dhan Yojana was to include the deprived sections of the country who did not have access to banks in the banking system. Through this opening savings bank accounts of these people. making the path of loan easy. ensuring insurance and pension facilities.
More than 52.39 crore Jan Dhan accounts were opened
In this scheme. the government provided such a facility to the people opening the account that they can open their account in the bank at zero balance. There was no need for any identifier for this. According to government data, the number of its beneficiaries has now increased to more than 52.39 crores.
How different is ‘Jan Dhan Account’ from ‘Savings Account’
However, you will clearly know the difference between Jan Dhan accounts and normal bank savings accounts. In such a situation, let us tell you that interest is received on the amount deposited in Jan Dhan account. Accidental insurance of one lakh rupees and life cover of 30 thousand rupees is also available in Jan Dhan Yojana.
There is no limit on keeping minimum balance in Jan Dhan account. At the same time. in Jan Dhan Yojana the beneficiary also gets the facility of overdraft of 10 thousand rupees in the account. Along with this after opening the Jan Dhan account. the beneficiary also gets RuPay debit card.
Along with this, you can open Jan Dhan account in post office as well as bank. For it is necessary to have PAN card and Aadhar card. Along with this, Jan Dhan account can also be opened online.