All you need to open a Jan-Dhan account is these documents, also know the benefits of the scheme.
Pradhan Mantri Jandhan Yojana has just completed 6 years. The scheme was launched in 2014. According to available data, 40.35 crore bank accounts have been opened under the scheme till August 19. Under the scheme, accounts of the country's poor can be opened at zero balance in banks, post offices and national banks. Customers get 11 benefits in an account opened according to PMJD. Know that you get many features in this plan. How to open an account with what documents. The thing to note is that with this account they will get the benefit of the features which will be linked to the account base.
These are the 11 benefits of PMJD scheme::
How to open accounts::
These documents must open a PMJD account
- aadhar card
- Passport
- Driving license
- PAN card
- Election card
- NREGA Job Card
- Authority letter, containing name, address and Aadhaar number
- Attached letter with photo issued by the Gazetted Officer.
This work will have to be done to open a new account::
If you want to open a new Jandhan account, you can easily do this by going to the nearest bank. For this you have to fill a form in the bank. It will have to disclose the name, phone number, name of the bank branch, address of the applicant, nominee, number of dependents along with occupation and employment, SSA code, village code and city code.
This is how to create a Jandhan account from an old account
If you have an old bank account, it is easy to change it to Jandhan account. For this you have to go to the bank branch and apply for the Rupee card. Your bank account will be transferred to Jandhan Yojana as soon as a form is filled.
These are the benefits of Jandhan account::
- Overdraft facility after 6 months.
- Accidental insurance cover up to Rs 2 lakh.
- Life cover up to Rs. 30,000 which is available on the death of the beneficiary on fulfillment of eligibility conditions.
- Interest is earned on the deposit.
- Free mobile banking facility is provided with the account.
- A debit card is issued to Jandhan account holders in the form of which they can withdraw or even make a purchase.
- It is easy to buy insurance, pension products with the help of Jandhan account.
IMPORTANT LINK::
READ REPORT
JAN DHAN OFFICIAL SITE
- If there is a Jandhan account, then an account can be opened for pension in schemes like PM Kisan and Shramyogi Mandhan.
- Rupee transfer facility will be available across the country.
- The benefit of the government scheme will go directly into the account.
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is the National Financial Inclusion Mission which ensures access to financial services namely, banking / savings and deposit accounts, remittances, loans, insurance, pensions in an affordable way.
Account can be opened in any bank branch or business representative (Bank Mitra) outlet. PMJDY accounts are being opened with zero balance. However, if the account holder wishes to check the book, he / she must meet the minimum balance criteria.
Account can be opened in any bank branch or business representative (Bank Mitra) outlet. PMJDY accounts are being opened with zero balance. However, if the account holder wishes to check the book, he / she must meet the minimum balance criteria.
Documents required for opening an account under Pradhan Mantri Jan Dhan Yojana
- If Aadhaar card / Aadhaar number is available then no other documents are required. If the address has changed, then self-certification of the current address is sufficient.
- If Aadhaar card is not available, then any one of the following officially valid documents (OVD) will be required: Voter ID card, driving license, PAN card, passport and NREGA card. If your address is also present in these documents then it can act as both "proof of identity and address".
- If a person does not have the "valid government papers" mentioned above, but is classified by the bank as 'low risk', he can open a bank account by submitting one of the following documents:
- Identity cards with photo of the applicant issued by Central / State Government departments, statutory / regulatory authorities, public sector undertakings, scheduled commercial banks and public financial institutions;
- Letter issued by a gazetted officer with a duly verified photograph of the said person.
- The special benefits associated with this scheme are as follows
- Interest on deposits.
- Accident insurance cover of one lakh rupees.
- No minimum balance required.
- Under the Pradhan Mantri Jan Dhan Yojana, a life insurance of Rs 30,000 will be payable to the beneficiary on reimbursement of normal conditions on his death.
- Easy transfer of funds across India.
- Beneficiaries of government schemes will get benefit transfer from these accounts.
- Overdraft facility will be provided after satisfactory operation of these accounts for six months.
Access to pension, insurance products.
Claims under Personal Accident Insurance under Pradhan Mantri Jan Dhan Yojana will be payable if the RuPay card holder has at least one successful financial or non-financial transaction on any bank branch, bank friend, ATM, POS, e-commerce etc. channel either Including the date of the accident through own bank (bank customer / RuPay card holder transacting on the same bank channel) and / or another bank (bank customer / RuPay cardholder transacting on other bank channel) Rupees insurance programs will be eligible for inclusion under the financial year 2016-2017, if done within 90 days before the date.Overdraft facility of up to Rs 5,000 / - is available in only one account per family, mainly for the woman of the family.