What is Pradhan Mantri Jan-Dhan Yojana?

P M J D Y

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for a community who were not able to operated banking services on higher rates. With the help of PMJDY scheme an Indian Citizen can access the financial services, namely, Banking or Savings & Deposit Accounts, Remittance, Credit, Insurance and Pension in an affordable manner.

Where can I Open an account under this scheme?  

Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet.

Download Account Opening Form 

PMJDY Form in Hindi

PMJDY Form in English


Do You Need Help? 

You can contact PMJDY Help Centers

National Toll Free Nos: 

1800-11-0001 and 1800-180-1111 

What documents are required? 

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. 

Whether Cheque Book will be issued? 

• In 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, if any, of the bank. 

What are the direct/special benefits? 

Special benefits attached to the scheme are: 

• Interest on deposit Accidental insurance cover of Rs.1.00 lac 
• No minimum balance required. 
• However, for withdrawal of money from any ATM with Rupay Card, some balance is advised to be kept in account. 
• 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 up to Rs.5000/- is available in only one account per household, preferably lady of the household.