PM Jan Dhan Account: Even if there is not one rupee in the account, you will get Rs 10,000 on need, know why Jan Dhan account is special.
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PM Jan Dhan Account:An ambitious plan by Prime Minister Narendra Modi to strengthen the people of the country economically and connect people of every section with banking. PM Jan Dhan Yojana ,Pradhan Mantri Jan Dhan Yojana-PMJDY) was started. This scheme was launched on 28 August 2014. Under this scheme, zero balance account is opened for the beneficiaries. In this, along with check book, passbook, accidental insurance, the customer also gets the facility of overdraft. The specialty of this account is that even if the account holder does not have money in his account, he can withdraw money due to the overdraft facility. This is a zero balance account, so there is no need to maintain minimum amount in it. Crores of citizens of the country are getting direct benefit of schemes like savings account, insurance and pension in their accounts.
How to open Prime Minister Jan Dhan account
Opening a Prime Minister Jan-Dhan account is very simple. For this, first of all go to your nearest bank. For this, some identity card is required. In this, Aadhar Card, PAN Card, Passport, Voter ID, Driving License along with residential certificate is required. Additionally, you also need two passport size photographs. After this, fill the application form. Give complete and correct information in it. After filling the complete form, it has to be submitted at the bank counter. After activating your account, the bank will give you a passbook and debit card. You do not have to pay any kind of fee during this process. The age of the account opener should be at least 10 years. You can also convert your old savings account into Jan Dhan account.
This facility is available in Jan Dhan account
The beneficiary opening Jan Dhan account also gets an accidental insurance of Rs 2 lakh along with an ATM card. Apart from this, life cover of Rs 30 thousand and interest on the amount deposited in the account will also be available like a savings bank account. The account holder gets an overdraft of ten thousand rupees. However, an overdraft of only Rs 2,000 is available immediately after opening the account. The account holder is provided the facility of free life insurance (PMJJBY) and corporate life insurance (PMSBY) by the government. Account holders are provided with a bank passbook, which contains details of all transactions related to their account. Account holders get the benefits of many government schemes directly in their account under Direct Benefit.
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