PM Jan Dhan Yojana 2024: If you open a bank account under Pradhan Mantri Jan Dhan Yojana, you can get a loan of up to Rs 10,000 without any fee. All Indian citizens who open a bank account under this scheme can get accident coverage of up to Rs 1,00,000. But on August 28, 2018, the amount of coverage for this accident was increased from Rs 1 lakh to Rs 2 lakh.
There are still some rural residents in India who do not have a bank account yet, because many people feel that it is necessary to keep enough money in that account to open a bank account. Therefore, Prime Minister of India Shri Narendra Modi recently launched Pradhan Mantri Jan Dhan Yojana (PMJDY) on 15 August 2014 to remove the banking complexities for those people’s.
Through this scheme, billions of Indian citizens have got access to bank accounts and through these bank accounts people have been able to connect with services like savings account, insurance and pension.
Citizens who open a bank account under Pradhan Mantri Jan Dhan Yojana can use ATM card for free without any annual fee. If you are a citizen of India and want to open an account in PM Jan Dhan Yojana without any fee, then you need to know what are the eligibility requirements to join PM Jan Dhan Yojana? What documents you have to be submit while applying? And in this article we have discussed where to apply to get all the benefits of Pradhan Mantri Jan Dhan Yojana.
Objectives of Pradhan Mantri Jan Dhan Yojana
There are some main objectives of starting Pradhan Mantri Jan Dhan Yojana all over India by the Prime Minister of India, Shri Narendra Modi, they are:
The main objective of starting PM Jan Dhan Yojana is to open a free bank account of every person all over India.
Under this scheme, every new beneficiary can use ATM card for free without any annual fee.
Beneficiaries who open a bank account under Pradhan Mantri Jan Dhan Yojana can get a loan of Rs 5,000 to Rs 10,000 without any documents.
Pradhan Mantri Jan Dhan Yojana was launched to provide bank transaction services to every poor to middle class people of India without any charge.
Pradhan Mantri Jan Dhan Yojana has been launched to provide coverage of Rs 2,00,000 to all beneficiaries for accidental reasons.
Beneficiaries of Pradhan Mantri Jan Dhan Yojana
In Pradhan Mantri Jan Dhan Yojana, every citizen of India i.e. citizen of every age from 10 years can join this scheme and take full advantage of the scheme, but those beneficiaries have to follow some conditions.
Pradhan Mantri Jan Dhan Yojana Eligibility Criteria
Like other schemes in India, applicants have to fulfill some eligibility criteria to apply for Pradhan Mantri Jan Dhan Yojana, these are:
The applicant should be an indian.
The age of the applicant for that scheme must be 10 years or more.
The initial age limit for Pradhan Mantri Jan Dhan Yojana was 60 years, but later the maximum age limit for Jan Dhan account was increased to 65 years.
Documents that required for Pradhan Mantri Jan Dhan Yojana
Applicants have to submit some necessary documents while applying for Pradhan Mantri Jan Dhan Yojana, those necessary documents are:
Aadhaar card of the applicant
Voter card/PAN card/Ration card
Residence certificate
Mobile number
Passport size photo
You can easily Apply for Pradhan Mantri Jan Dhan Yojana online
If you want to apply for Pradhan Mantri Jan Dhan Yojana, then you have to contact your nearest bank branch.
After going to a particular bank, you have to submit the application form for opening an account in Pradhan Mantri Jan Dhan Yojana.
Now you have to fill the required information asked in that application correctly.
Then attach the photocopy of the required documents with the application form.
Finally you have to submit the application form and documents to the bank officer.
The bank officer will open an account in Pradhan Mantri Jan Dhan Yojana in your name.
Then you will get a passbook from that bank and also your receipt for opening Pradhan Mantri Jan Dhan Yojana account, which you have to keep with you.