Pradhan Mantri Jan Dhan Yojna (PMJDY)

The National Mission Of Financial Inclusion Named As The Pradhan Mantri Jan Dhan Yojana Seeks To Integrate The Poorest Of The Poor With Bank Accounts.

SALIENT FEATURES OF THE SCHEME >>

  • In The Scheme Bank Accounts Will Be Opened For 6 Crore Account In Villages And 1.5 Crores In Urban Areas.
  • All Bank Accounts Opened Under The Scheme Are To Have An Overdraft Facility Of Rs. 5,000.00 For Aadhar-Linked Accounts After Satisfactory Operation In The Account For 6 Months.
  • Issuance Of Rupay Debit Card With Inbuilt Rs. 1 Lakh Personal Accident Insurance Cover Provided By Hdfc Ergo And A Life Cover Of Rs. 30,000/- Provided By Lic.

SALIENT FEATURES >>

Provision Of Affordable Financial Services Of The Excluded Sections. Identification Of Household Without Any Bank Account And Providing Basic Banking Accounts With Overdraft Facility And Rupay Debit Card With Inbuilt Accident Insurance Cover Of Rs. 1 Lakh To Them.

Official Websitepmjdy.gov.in
Eligibility:Resident Individual Age Of The Account Holder Should Be Over 18 Years.
There Is No Stipulation On The Income Of The Person.
Type Of Account:Single-Domestic Savings Bank Accounts Only.
Documents For Opening Account:• If One Has An Aadhaar Card / Aadhaar Number No Other Document Required.
If Address Has Changed, Then A Self Certification Current Address Is Required.
• If One Does Not Have An Aadhaar Card, Then Any One Of These Voter ID Card, Ration Card,
Driving License, Letter From A Recognized Public Authority Or Public Servant Or Sarpanch.
• If One Does Not Have Both 1 And 2, Any One Of These As Identity Proof
Identity Card Of Any Accredited Institution, Job Card Issued By NREGA And
Any One Of These As Address Proof: Electricity Or Telephone Bill, Birth Or Marriage Certificate.
Minimum – Maximum Balance:No Stipulation Limit
Free Credits Allowed Into The Account:Deposit Of Cash At Bank Branch And Receipt / Credit Through All Electronic Payment
Channels Or By Means Of Deposit / Collection Of Cheques Drawn
By Central / State Government Agencies And Departments.
A number Of Free Withdrawals Allowed:4 Withdrawals Are Free In A Month. (Through All Channels Including ATM, Internal Transfers, RTGS / NEFT / Standing Instructions / EMI Etc)
Balance Inquiry At ATM Is Not Reckoned For The Purpose Of Determining
The Number Of Withdrawals. Rs. 10.00 Per Withdrawal Will Be Levied For Withdrawals Exceeding 4 Per Month.
Rupay ATM-Cum-Debit Card Fresh / Renewal And Mobile Banking & SMS Alert:Allowed Free Of Charge & No Annual / Renewal Fees.
Mobile Banking & SMS Alert Allowed.
Cash Withdrawals Amount:Any Amount But Restricted To Parent Branch Only.
Cash Remittance At Parent Branch And At Satellite Branches No Limit.
Restrictions On Number Of Savings Bank Accounts:An Individual Can Hold Only One Savings Bank Account And He / She Is Not Allowed To Have Any Other Type Of SB Account.
Other Products / Services / Deposits:Account Holder Can Have Any Number Of Term-Fixed Deposit RD Etc Accounts.

SPECIAL BENEFITS >>

  • No Minimum Balance Required.
  • Easy Transfer Of Money Across India.
  • Accidental Insurance Cover Of Rs. 1 Lakh.
  • Withdrawal Of Money From Any ATM With A Rupay Debit Card.
  • Beneficiaries Of Government Schemes Will Get Direct Benefit Transfer.
  • After Satisfactory Operation Of The Account For 6 Months, An Overdraft Facility Will Be Permitted.

PMJDY SCHEME BANKS >>

Public Sector Banks:

  • State Bank Of India (SBI)
  • Bank Of Baroda (BoB)
  • Bank Of India (BoI)
  • Punjab National Bank (PNB)
  • Oriental Bank Of Commerce (OBC)
  • Central Bank Of India
  • Bank Of Maharashtra
  • Corporation Bank
  • Indian Bank
  • IDBI Bank
  • Canara Bank
  • Andhra Bank
  • Allahabad Bank
  • Union Bank Of India
  • Dena Bank
  • Syndicate Bank
  • Punjab and Sind Bank
  • Vijaya Bank

Private Sector Banks:

  • Dhanalaxmi Bank Ltd.
  • Yes Bank Ltd.
  • Kotak Mahindra Bank Ltd.
  • Karnataka Bank Ltd.
  • Indusind Bank Ltd.
  • Federal Bank Ltd.
  • HDFC Bank Ltd.
  • Axis Bank Ltd.
  • ICICI Bank Ltd.

ABOUT OD FACILITY >>

After 6 Months Of Satisfactory Performance On The Account, The Bank May Optionally Consider Providing An Overdraft Facility Starting From Rs. 1,000.00. On Regular Servicing Of The Overdraft Interest, The Amount Of Overdraft May Be Is Increased Up To Rs. 5,000.00.

Other Services And Charges Not Defined As Applicable For Ordinary Saving Accounts.

THIS IS A NOT “OFFICIAL INFORMATION” IF YOU WANT “OFFICIAL INFORMATION” GO TO OFFICIAL WEBSITE

pmjdy.gov.in
pradhan mantri jan dhan yojana
Share on facebook
Facebook
Share on whatsapp
WhatsApp
Share on telegram
Telegram
Share on twitter
Twitter
Share on google
Google+
Share on email
Email
Share on skype
Skype
Share on linkedin
LinkedIn

recent posts

error: Content is protected !!