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जन धन योजना · Finance

PM Jan Dhan Yojana

Zero-balance bank account with RuPay card & insurance.

Managed by: Ministry of Finance

Official Website Check Eligibility

AI Assistant

Ask anything about PM Jan Dhan Yojana — eligibility, documents, fees, timelines, official process.

Eligibility

  • Any Indian citizen aged 10+
  • Minors (age 10-18) with guardian

Required Documents

  • Aadhaar (preferred)
  • Or any Officially Valid Document (Voter ID, DL, Passport)

Step-by-step Application Guide

  1. 1

    Visit any bank/BC

    Public/private bank branch or Bank Mitra (business correspondent).

  2. 2

    Fill PMJDY form

    Available in regional languages.

  3. 3

    Submit KYC

    Aadhaar-based e-KYC is fastest.

  4. 4

    Account activation

    Zero-balance savings account opened instantly.

  5. 5

    Get RuPay card

    Free RuPay debit card with ₹2 lakh accident cover, ₹10,000 overdraft after 6 months good conduct.

Important Notes

  • No minimum balance required.
  • Direct Benefit Transfers (LPG, PM-Kisan, MGNREGA) flow into this account.

Frequently Asked Questions

Is ₹10,000 overdraft automatic?

No — bank sanctions based on 6 months of satisfactory operation and Aadhaar linkage.

How to check balance?

Missed call to bank's toll-free number, USSD *99#, or Jan Dhan Darshak app.