Pradhan Mantri Jan Dhan Yojana is a scheme where all poors can open their account in banks, post offices and nationalized banks. This is one of important step to bring you to financial independence which scheme has been launched by government. One of the most important aspect of the scheme is that you can open your account in any bank under this scheme. So let’s know about this plan.
Will get Rs 1.30 lakh
Once you will open the account under the Pradhan mantra yojana scheme you can get total benefit upto rupees 1,30,000.00. Apart from this, according to this scheme you can life cover upto rs 1,00,000 and 30,000 in your general insurance favour one can get upto Rs. 100,000.00 from the government when the person dies in an accident.
What is Jan Dhan Account?
Pradhan Mantri Jan Dhan Yojana (PMJDY) is the most ambitious financial program of the government this scheme can give you the benefit of opening the account in that bank and also let you to open your account in bank account.
How to open account?
If you want to open your Jan Dhan account, then go to the bank any fill all the necessary information like your name, bank account details, applicant name, mobile number, employment status, etc.
These documents are mandatory
Aadhar card, passport or driving license or PAN card, voter card, NREGA job card, letter issued by authority, in which name, address and Aadhaar number are written, to open an account under PM Jan Dhan Yojana Documents, Gazetted Letter which will be issued by the officer who will attested photograph of account opening.
As you all know, the beginning of Pradhan Mantri Jan Dhan Yojana was to connect every citizen of the country with banking facilities. Many citizens of the country have got benefits under this scheme. Now a new calling facility is being made available under the Pradhan Mantri Jan Dhan Yojana. Through this calling facility, account holders can get any type of information related to the account. This calling facility will be toll free and separate numbers will be made available for all the states of the country. Now account section can solve any problem sitting at home by contacting this toll free number. They will not need to go to the banks. This can help you saving your time in the process
Pradhanmantri Jan Dhan Yojana Game Changer
This scheme can help many backward class people to get benefit of the scheme. Pm modi had written that and have told that this will benefit the rural people and the people in india as well, in which most of the people are from rural areas and are women. who have worked for this scheme.
Under the Pradhan Mantri Jan Dhan Yojana 2021, more than 40.35 crore accounts have been opened in which Rs 1.31 lakh crore have been deposited.
Out of the total accounts opened under this scheme, 63.6% are opened in rural areas and 55.2 percent account holders are women.
Now there is also the facility of getting debit card in Jan Dhan accounts.
Accessible to Banking Facilities – With this, they are trying to put each district in SSA which means sub service area under which at least one to two thousand households will be covered within a range of 5 km.
Basic Banking Facility – this will inculcate the habit of putting the amount in saving account from this scheme you will get on of the most important thing that is the knowledge of banking facility that are been given by you in the program
Financial Literacy Program: this help you to gain knowledge in the financial world like use of ATM etc
Micro Credit – Once you open the account and operate it satisfactorily for the next six months, you are eligible for a credit facility of Rs 5000 and for this the bank will ask you for any security, purpose or use of credit. Won’t ask for
Micro Insurance Facility – With this all BSBD (Basic Savings Bank Deposit) account holders are eligible for micro insurance and there are two insurance schemes for this.
Pradhan Mantri Jeevan Bima Yojana (PMJBY) – Under this, the beneficiary whos life is insured can get a life insurance cover of Rs 2 lakh and they will have to pay a premium of only Rs 330 per year
Pradhan Mantri Suraksha Bima Yojana (PMSBY) – This insurance scheme will give you an accidental cover of Rs 2 lakh and for this you will have to pay a premium of only Rs 12 per annum.
RuPay Debit Card – Once you open the account you will get RuPay Card (ATM Card) which includes accidental insurance of Rs 2 lakh only.
Benefits of Pradhan Mantri Jan Dhan Yojana 2021
Any citizen of the country can open his account in banks under this scheme and a small child up to 10 years can also open an account under this scheme.
Under this PM Jan Dhan Yojana 2021, accident insurance of up to Rs 1 lakh is also covered on account opening.
I want to ask that is the Pradhan Mantri Jan Dhan Yojana still valid for the month of November 2021?
Yes, this scheme is still valid from government, there is no closure on this scheme uptill further regulation passed by government.
Is person eligible for Pradhan Mantri Jan Dhan Yojana who does not have ration card?
no, one of the important document for the application of this scheme is ration card.
In which of the state was it decided to exit from the central government ambition ayushman Bharat Pradhan Mantri Jan Dhan Yojana?
Many states have decided but this is not going to stopped , however, it may be discontinued in many states.