Pradhan Mantri Jan Dhan Yojana (PMJDY)
AccountZero balance (no minimum amount)
CardRuPay debit card
Accident insuranceโน2 lakh (accounts opened after 28 Aug 2018)
OverdraftUp to โน10,000 (with conditions)
โ ๏ธ Benefits like insurance and overdraft depend on the bank's conditions. Get written information from the bank when opening the account.
What is the scheme?
Jan Dhan aims to connect every family to banking. A basic savings account opens with no minimum balance and the holder gets a RuPay debit card that includes accident insurance. Government scheme money (DBT) can come into this account.
Key benefits
- Zero-balance savings account
- RuPay debit card with โน2 lakh accident insurance (accounts opened after 28 Aug 2018)
- Overdraft up to โน10,000 on satisfactory operation of the account (as per bank conditions)
- Easier to join DBT, insurance and pension schemes
Eligibility โ who can apply
- Any Indian citizen aged 10 or above
- Those who have no bank account (or want a basic account)
- For a minor (10+), the account runs under guardian's supervision
Who is not eligible / things to note
- Those who already have a similar basic account in their name should ask the bank the rules before opening another
Documents required
- Aadhaar card (or any valid ID)
- Passport-size photo
- Mobile number
How to apply (step by step)
- Visit the nearest government or private bank branch / Bank Mitra (BC)
- Ask for the Jan Dhan account form and fill it
- Submit Aadhaar or another valid ID and photo
- On opening, collect the passbook and RuPay card
- Set the card PIN and use it from time to time so the account stays active
Frequently asked questions
How much money is needed to open a Jan Dhan account?
No minimum amount; the account opens at zero balance.
When does the accident insurance apply?
โน2 lakh with the RuPay card for accounts opened after 28 Aug 2018. The card may need to be used within a set period, so ask the bank the conditions.
Can it be opened in any bank?
Yes, in most public sector, rural and many private banks.
Beware: Do not pay any agent or website in the name of applying for a government scheme. Applying on the official portal is generally free. Do not share OTP, PIN or confidential bank details with anyone.