Pradhan Mantri Jan Dhan Yojana is one of the ambitious financial schemes of the government. Under this scheme, the account of every citizen is opened on zero balance. Poor people have benefited the most from this scheme.
Today in India, the highest number of accounts are being opened under this scheme. The purpose of Jan Dhan Yojana is to connect people with maximum banking system. The best part is that there is no limit on the minimum balance to be maintained in the Jan Dhan account. Even if there is zero rupees in the account, there is nothing to worry about. This account can be opened in banks, post offices and nationalized banks. With this scheme, the account holder gets the benefit of many more financial facilities in open accounts. You get many benefits when you open an account under this scheme. In this episode, let us know in detail about Jan Dhan Yojana.
1.30 lakh rupees are available as soon as the account is opened
If a person gets a bank account opened under this scheme, then he gets free insurance of Rs 1.30 lakh. This includes death insurance of Rs 1 lakh and general insurance of Rs 30,000. If unfortunately there is an accident with the account holder, then he will be given 30 thousand rupees under Jan Dhan Yojana. If the person dies due to any reason then his family members will get Rs 1 lakh.
How to open account in jan dhan yojana
Any Indian citizen who is more than 10 years of age can open an account under this scheme. If you also want to open your Jan Dhan account, then you have to go to your nearest bank, a form will be given there. In that form, you have to fill your name, mobile number, name of bank branch, business, nominee, annual income, your full address. After verification, your Jan Dhan account will be opened.
These documents are necessary to open an account
- Identity Card (Aadhaar Card, Voter ID Card, Driving License, PAN Card, Passport Card, NREGA Job Card) Any one of these in which the name and address of the applicant is written.
- Aadhar number is mandatory.
Benefits of Jan Dhan Yojana
- Overdraft facility is available after 6 months of account opening.
- Life cover insurance of Rs 30,000 is available.
- Accident insurance up to Rs 1 lakh is available.
- If you make a fixed deposit through the account, then interest is also available on it.
- Mobile banking facility is available for free.
- RuPay Debit Card facility which makes withdrawing money and shopping easy.
- Getting insurance becomes easy.
- The money of benefits of all government schemes gets directly into the account.
- Facility to withdraw money from any corner of the country.
