PM Jan Dhan Yojana is an ambitious scheme launched by the Government of India which aims to connect the poor and deprived sections of the country with banking facilities. Under this Government Scheme, any person, aged 10 years or above, can open a savings bank account for free through any bank branch or bank mitra (bank agent).
Several benefits are offered under this scheme, including:
Insurance worth Rs 1.30 lakh: Jan Dhan account holders get accident insurance of Rs 1 lakh and general insurance of Rs 30 thousand. This means that if the account holder dies in an accident, his family will get Rs 1 lakh, and if he gets injured, he will get medical expenses up to Rs 30 thousand.
Zero Balance Account: Jan Dhan account can be opened at zero balance, i.e. you do not need to maintain a minimum amount in the account.
Interest: Interest is also given on savings deposits on Jan Dhan accounts.
Mobile Banking: Jan Dhan account holders get free mobile banking facility, through which they can check their accounts, transfer money and pay bills.
Overdraft: Subject to certain conditions, Jan Dhan account holders can also get overdraft facility up to Rs 10,000.
RuPay Debit Card: Jan Dhan account holders are also given a RuPay Debit Card, which they can use to withdraw money from ATMs, make purchases and make online payments.
Benefits of Government Schemes: Benefits of many government schemes are sent directly to Jan Dhan accounts, making it easier for the poor to get their money.
PM Jan Dhan Yojana has played an important role in increasing financial inclusion in the country. Under this scheme, crores of people have opened bank accounts, who did not have banking facilities earlier. This has helped them secure their savings, send and receive money easily and avail various financial services.
PM Jan Dhan Yojana is a boon for the poor and deprived sections. It provides them access to banking facilities and helps them improve their standard of living. If you are eligible for this scheme, I encourage you to open your Jan Dhan account today.
This scheme is especially beneficial for the following people:
poor and deprived class
People who did not previously have a bank account
people living in rural areas
people working in unorganized sector
Women
conclusion
PM Jan Dhan Yojana is a boon for the poor. This scheme empowers them financially by connecting them with banking facilities. If you have not opened your PM Jan Dhan account yet, open it today itself.
This scheme is playing an important role in increasing the financial inclusion of the country.
Here are some important things related to PM Jan Dhan Yojana:
- This scheme was started in 2014.
- So far, more than 46.24 crore accounts have been opened under this scheme.
- Under this scheme, 28.72 crore accounts of women have been opened.
- Under this scheme, 8.21 crore accounts of Scheduled Castes and 4.36 crore accounts of Scheduled Tribes have been opened.
- PM Jan Dhan Yojana is definitely changing the financial landscape of India.
This scheme is empowering the poor economically by connecting them with banking facilities.
If you want more information about this scheme, you can visit https://pmjdy.gov.in/.
