Pradhan Mantri Jan Dhan Yojana (PMJDY)- Complete Detail
Pradhan Mantri Jan Dhan Yojana is a very ambitious and initiative Scheme or we can honor it as a National Mission Launched by Present Prime Minister Mr Narendra Modi for Financial Inclusion to ensure access to financial services namely Banking Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in a very affordable manner to each and every person for this developing country, On 28 August of 2014.
Pradhan Mantri Jan Dhan Yojana
PM finally announced this scheme on the occasion of Independence day 15 August 2014.
PMJDY may be recalled as a National Mission or an Direct Strike into poor position on Financial Inclusion along with an integrated approach in order to develop this country and to bring about comprehensive financial inclusion of all the households and to each person in India .
Base plan of Jan Dhan Scheme
Main Aim of Pradhan Mantri Jan Dhan Yojana is to assure Financial access to every one who was not able to get benefits from many other financial schemes run by other government or third party respectively.
The Base plan is this. (Step by Step with details and location)
- To open a Bank account – Under Jan Dhan Yojana any Indian having age more than 10 years who does not have any account in any bank can open there account in Bank with Zero Rupee balance.
- There is no specific bank that mean you can open you bank account in any Bank Branch or Business correspondence (Bank Mitr ) – which are specially allotted for this scheme.
Here i am providing a complete list of all banks which come underb or which are selected Under Jan Dhan Yojana.
There are 27 public sector banks in India and at all these banks you can open Jan Dhan Yojana Account. Below is the list of banks who are authorized to open accounts in Jan Dhan Yojana scheme.
Public Sector Banks
- Allahabad Bank
- Andhra Bank
- Bank Of Baroda (BoB)
- Bank Of India (BOI)
- Bank Of Maharashtra
- Bhartiya Mahila Bank
- Canara Bank
- Central Bank Of India
- Corporation Bank
- Dena Bank
- IDBI Bank
- Indian Bank
- Oriental Bank of Commerce
- Punjab National Bank (PNB)
- Punjab & Sind Bank
- State Bank of India (SBI) and all it’s 5 affiliated banks – State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Mysore, State Bank of Patiala, State Bank of Travancore
- Syndicate Bank
- Union Bank of India
- Vijaya Bank
Also Government has also included some Private Sectors Banks Too in which you can open Your Jan Dhan Account.
- Axis Bank Ltd.
- Dhanalaxmi Bank Ltd.
- Federal Bank Ltd.
- HDFC Bank Ltd.
- ICICI Bank Ltd.
- IndusInd Bank Ltd.
- ING Vysya Bank Ltd.
- Karnataka Bank Ltd.
- Kotak Mahindra Bank Ltd.
- YES Bank Ltd.
You can select Location and Branches of all the following Banks by Visiting This GIS Application and website at this url GIS Locatior Of Jan Dhan Yojana4) Another Important and appreciable aspect is that this scheme provides an accidental insurance cover of upto 1 Lakh without any charges for the bank Account Holder.Attachment of Guideline and Features Of Pradhan Mantri Jan Dhan Yojana – Authorised- guide- pm jan dhan Yojana
How To Apply For Pradhana Mantri Jan Dhan Yojana
Account For Pradhan Mantri Jan Dhan Yojana can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. PMJDY accounts are being opened with Zero balance.
However in case , if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.
Application Form In Hindi/ English for PM Jan Dhan Yojana
Providing two attachments forms to dwnload in Hindi and English
- English jdy English Application Form
- Hindi jdy Hindi Application Form
Document Required For Pradhan Mantri Jan Dhan Yojana
- If Aadhaar Card/Aadhaar Number
- Identity Card