PM Jan Dhan Yojana offers zero-balance accounts with Rs 10,000 overdraft facility, launched in 2017 to provide banking access to all Indians.

Get cheque book, passbook, accident insurance and pension benefits without maintaining minimum balance in your Jan Dhan account.

Withdraw up to Rs 10,000 even with zero balance! Account must be 6+ months old for full limit, else Rs 2,000 available immediately.

Only need Aadhaar & PAN cards. Account can be opened by anyone aged 10+ years. Existing savings accounts can be converted too.

No minimum balance required, low interest on overdraft, and easy access to banking services for low-income individuals.

Over 65 years old? You can't get overdraft. Others can avail this financial help without begging from anyone!