Pradhan Mantri Jan Dhan Yojana (PMJDY)
National financial inclusion mission ensuring universal access to banking facilities with zero-balance savings accounts, RuPay debit cards, and credit facilities.
₹Benefits & Entitlement Breakdown
📊Budget Allocation & Beneficiary Reach
Supported through financial inclusion allocations and RBI/NABARD funds
Official Budget Document ↗53+ Crore Jan Dhan accounts opened with over ₹2.3 lakh crore balance
As of: 2024-03-31PIB / Official Citation ↗Verified Eligibility Criteria
Any Indian citizen aged 10 years and above who does not already possess a basic bank savings account. Can be opened at any bank branch or Business Correspondent (Bank Mitra) outlet. Overdraft facility requires age between 18 and 65 years and 6 months of satisfactory account operation.
Required Documents Checklist
- ✓Aadhaar CardMandatory
Sufficient standalone document for identity and address proof.
- ✓Passport size photographMandatory
For bank account records.
- ✓Officially Valid Document (OVD) if Aadhaar unavailableOptional / Supporting
Voter ID, Driving Licence, PAN Card, or MGNREGA Job Card.
How to Apply
Official Government Application Portal
You will be redirected to the secure official portal: pmjdy.gov.in
Frequently Asked Questions (Officially Sourced)
Verified answers sourced directly from official circulars, gazettes, and portal FAQs. Never AI-invented.
Is there any minimum balance required to maintain a PMJDY account?
No, a PMJDY account is a zero-balance account; there are no penalty charges for maintaining zero balance.
Source: Official Scheme FAQ ↗What is the accident insurance cover provided with the RuPay debit card?
RuPay debit cards issued to PMJDY account holders after August 28, 2018 provide accidental insurance cover of ₹2,00,000, provided the card was used at least once in the preceding 90 days.
Source: Official Scheme FAQ ↗How can an account holder obtain the ₹10,000 overdraft facility?
The overdraft facility of up to ₹10,000 is available after 6 months of satisfactory account operation and regular transactions, subject to bank guidelines.
Source: Official Scheme FAQ ↗Common Rejection Reasons & Warnings
Applicant already having a functional savings account in the same branch/bank; invalid or unverified KYC documents.
Editorial Verification & Change Log
| Date | Field | Description / Update | Source Citation |
|---|---|---|---|
| 2026-09-16 | initial_verification | Baseline verification of PMJDY guidelines, insurance terms, and overdraft rules. | Official Source ↗ |
Application Window & Deadlines
Open throughout the year (Universal banking access)
Related Welfare Programs
Affordable government-backed one-year renewable life insurance scheme offering ₹2 lakh life risk cover on death due to any cause.
Highly subsidized accidental death and disability insurance offering ₹2 lakh cover for just ₹20 per year.
Guaranteed pension scheme administered by PFRDA for unorganized sector workers offering monthly pensions of ₹1,000 to ₹5,000 from age 60.
Official Helpline & Nodal Offices
Mission Office, PMJDY, Department of Financial Services
3rd Floor, Jeevan Deep Building, Parliament Street, New Delhi - 110001
Helpline: 1800-180-1111 / 1800-11-0001 (National Financial Inclusion Helpline)
Jurisdiction: National (All-India)Notice a Discrepancy?
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Verification Metadata
Last verified by Eligo researchers on 2026-09-16 against official government documentation.
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