pmjdy.gov.in Apply For Pradhan Mantri Jan-Dhan Yojana Scheme : Ministry of Finance

Name of the Organization : Department of Financial Services, Ministry of Finance
Type of Facility : Apply For Pradhan Mantri Jan-Dhan Yojana Scheme

Home Page : http://www.pmjdy.gov.in/scheme_detail.aspx
Download here :https://www.statusin.in/uploads/575-account_form.pdf

Apply For Pradhan Mantri Jan-Dhan Yojana Scheme :

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.

Related : Ministry of Finance Where & How To Open Account For Pradhan Mantri Jan-Dhan Yojana : www.statusin.in/2977.html

Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. PMJDY accounts are being opened with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.

Documents required to open an account under Pradhan Mantri Jan-Dhan Yojana :
** If Aadhaar Card/Aadhaar Number is available then no other documents is required. If address has changed, then a self certification of current address is sufficient.
** If Aadhaar Card is not available, then any one of the following Officially Valid Documents (OVD) is required : Voter ID Card, Driving License, PAN Card, Passport & NREGA Card. If these documents also contain your address, it can serve both as – Proof of Identity and Address- .
** If a person does not have any of the – officially valid documents- mentioned above, but it is categorized as – low risk’ by the banks, then he/she can open a bank account by submitting any one of the following documents :
** Identity Card with applicant’s photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks and Public Financial Institutions;
** Letter issued by a gazette officer, with a duly attested photograph of the person.

Special Benefits under PMJDY Scheme
** Interest on deposit.
** Accidental insurance cover of Rs.1.00 lac
** No minimum balance required.
** Life insurance cover of Rs.30,000/-
** Easy Transfer of money across India
** Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.
** After satisfactory operation of the account for 6 months, an overdraft facility will be permitted
** Access to Pension, insurance products.
** Accidental Insurance Cover, RuPay Debit Card must be used at least once in 45 days.
** Overdraft facility upto Rs.5000/- is available in only one account per household, preferably lady of the household.