Pradhan Mantri Jan Dhan Yojana 2022, what is, information, how to open an account, loan, when it started, benefits, form, online application, registration, ATM card apply, toll-free number, eligibility, documents (PM Jan Dhan Yojana) ( Kya Hai, Apply Online, Debit Card, How to open Account, Form, Toll-free Number, Documents)
The Government of India formulates various schemes from time to time. Many times the government brings such schemes which prove to be very beneficial for the citizens of the country. We will talk about one such scheme today in this article. This scheme was started on 15th August 2014 and till now it has brought many benefits to the citizens of the country. This article will give you all the information related to Pradhan Mantri Jan Dhan Yojana.
Pradhan Mantri Jan Dhan Yojana 2022
Scheme Name: Pradhan Mantri Jan Dhan Yojana
Who started the Scheme: Indian Central Government
Beneficiary: Citizens of the country
When it was started: the Year 2014
Helpline number: 18001801111, 1800110001
What is PM Jan Dhan Yojana
Pradhan Mantri Jan Dhan Yojana is a scheme launched by the Prime Minister of India in the year 2014, under which accounts of poor people of the country were opened with zero account balance in nationalized banks and post offices. The facility will be made available with accident insurance of ₹ 1 lakh in the hands of such bank accounts which will be linked with Aadhar cards.
PM Jan Dhan Yojana Objective
The objective of Pradhan Mantri Jan Dhan Yojana is to open a bank account for every citizen of India. The objective of the scheme is also that all the people of India should have a bank account so that they get the benefit of living a safe and sound economic life. The purpose of this scheme is to open a zero balance bank account for all the backward class people and other poor people of India.
PM Jan Dhan Yojana Features
Some of the benefits of Pradhan Mantri Jan Dhan Yojana are as follows:
Basic Banking Facility – Under the scheme, a target has been set to open one bank account in every household in the country.
Accessible Banking Facilities – With the help of Pradhan Mantri Jan Dhan Yojana, about 2000 households will be covered within a radius of 5 km and they will be given the benefit of love banking facilities.
Financial Literacy Program – Beneficiaries will be taught about banking facilities and banking access policies so that they do not face any problem in operating the banking facilities.
RuPay Debit Card – Beneficiaries will be given RuPay Debit Card after account opening which will include accident insurance of ₹2,00,000.
Pradhan Mantri Suraksha Bima Yojana – Under the scheme, a contingency cover of ₹ 2,00,000 will be given to the beneficiaries, for which they will have to pay only ₹ 12 per annum.
Accident Insurance – Accident insurance of ₹ 1,00,000 will be given to the beneficiaries.
Life Insurance – Under the scheme, life insurance of Rs 30,000 will be given to the beneficiaries.
Pradhan Mantri Jan Dhan Yojana Benefits
Pradhan Mantri Jan Dhan Yojana is very beneficial for the citizens. With this, all the people especially poor people who do not have an account in the bank account will get a bank account on zero balance through this scheme. Under this scheme, the applicants will also get the benefit of accident insurance, loan assistance, etc. from the government.
How many accounts have been opened till now in Pradhan Mantri Jan Dhan Yojana?
So far more than 40 crore bank accounts have been opened through Pradhan Mantri Jan Dhan Yojana. If the figures are to be believed, the number of beneficiaries under the scheme has gone up to 40.05 crores. More than Rs 1.30 lakh crore has been deposited in all these bank accounts so far. The accident insurance under the scheme has been increased from one lakh to two lakh rupees.
Pradhan Mantri Jan Dhan Yojana Eligibility
To become eligible for any scheme, the applicant of the scheme has to keep in mind that his account has been opened in the bank for the first time.
To become eligible for the scheme, applicants will also have to take special care that their account has been opened under Pradhan Mantri Jan Dhan Yojana between 15 August 2014 to 26 January 2015.
The benefit of the scheme can be availed by the applicants who are the head of their family or are the earning members of their family.
Applicants should be between 18 to 59 years to become eligible for the scheme.
Central or state government employees of India will not be able to take advantage of the scheme.
Citizens of India paying taxes may not be eligible for this scheme.
Such citizens who are retired employees of the Central State Government can also not take advantage of this scheme.
PM Jan Dhan Yojana Documents
To take advantage of the Pradhan Mantri Jan Dhan Yojana, applicants will need the following documents:
Aadhar Card
Address proof certificate
Driving license
Identity proof certificate
PAN card
Passport size photo
Mobile number
Pradhan Mantri Jan Dhan Yojana Official Website (PM Jan Dhan Yojana Official Website)
There is no official website to apply in this scheme because under this scheme the account will be opened by going to the bank. But for other information, you can visit this official website.
Pradhan Mantri Jan Dhan Yojana Application Form
Applicants will get the application form of Pradhan Mantri Jan Dhan Yojana by visiting their nearest bank. Applicants can visit any of their nearest bank branches and get the application form from the employee there.
How to Apply Pradhan Mantri Jan Dhan Yojana
To apply for Jan Dhan Yojana, applicants have to go to their nearest bank.
After going to the bank, applicants will be required to get the Jan Dhan Yojana application form from the employee there.
After taking the application form, applicants have to fill out the application form and fill in all the information asked in it properly and attach the required documents in it.
After this, it will be necessary to deposit it with the bank employee in the evening.
Once the form is submitted, the application form process will be initiated by the bank employee and the account of the applicants will be opened.
How to Check Pradhan Mantri Jan Dhan Yojana Balance
Jan Dhan Yojana Bank Balance Check applicants can do in two ways:
Through Portal
Follow the following steps to check bank balance through the portal:
The first step of applicants will be to visit the official website of Pradhan Mantri Jan Dhan Yojana.
Click on the official website, applicants will reach the home page of the website
Now applicants have to click on the option ‘Know Your Payment’ on the home page.
After that, a new page will open on the screen of the applicants. On the new page, applicants have to fill in their account number and bank name. Applicants have to enter the account number twice here.
Now applicants have to fill out the captcha code.
After that applicants have to click on send OTP on the registered mobile number.
After that OTP will come on the mobile of the applicants. Applicants can check their bank balances by entering their photos.
Through missed call
To check bank balance through missed calls, applicants need to follow the following steps:
If you do not want to check Jan Dhan’s account balance through the portal, applicants can do so by missed call.
Applicants having a Jan Dhan account with the State Bank of India can check their bank balance by giving a missed call on 1800112211 or 8004253800.
In order to check through GS Ball, applicants need to keep in mind that they should make a missed call from the same mobile number which is registered in their bank account.
Pradhan Mantri Jan Dhan Yojana Bank Login Process (How to Login)
Applicants have to follow the following steps for Jan Dhan Yojana:
First of all, applicants have to visit Jan Dhan’s official website
After this, the home page of the website will open on the screen of the applicants
Now applicants have to click on the tab ‘Right to us’ on the home page
After that applicants have to click on the link of ‘Bank Login’.
Now a new page will open on the screen of the applicants.
Applicants will now have to enter the user-id and password on the new page.
Now applicants have to click on the button to sign in and thus their login process will be completed.
Pradhan Mantri Jan Dhan Yojana Account Opening Form Download
Applicants need to follow the following steps to download the Jan Dhan Yojana Account Opening Form:
First of all, applicants have to go to the official website of Pradhan Mantri Jan Dhan Yojana
As soon as you visit the official website, its home page will open on the screen of the applicants.
Applicants need to go to the ‘Section of e-documents’ on the home page.
Now applicants will be required to click on the option of Account Opening Hindi Form or Account Opening English Form as per their requirement.
After this, the account opening form will open on the screen of the applicants.
Now applicants have to click on the download option
After that, the account opening form of the applicants will be downloaded.
Pradhan Mantri Jan Dhan Yojana Life Cover Claim Form Download (Claim Form Download)
First of all, applicants have to go to the official website of Pradhan Mantri Jan Dhan Yojana
Now the home page of the official website will open
Applicants have to click on the option ‘Insurance cover under PMJDY’ on the home page.
Now applicants have to click on the option of “Claim Form”
On clicking on the “Claim Form” option, the form will open on the screen of the applicants.
Now applicants have to click on the option of “Download”
By following all these steps, applicants will be able to download the ‘Life Cover Claim Form’ successfully.
How to take a loan against PM Jan Dhan account
If the money account of the applicants is already opened under the Pradhan Mantri Jan Dhan Yojana, then an overdraft of 2000 to ₹ 100000 can be given by the government according to the deposits of the applicants in these accounts. With this money, applicants can start their personal business or business and this money is also to be given back. The conditions of these are very easy by the government, in which a loan of ₹ 100000 can be given without any guarantee. Applicants want to tell stories that this facility will be given to them by the bank and not online. For this applicants have to visit the bank branch. Applicants can be given loans up to 3 times the savings of the overdraft month.
Prime Minister Jan Dhan account holder how to take benefit of 3000 pension (Pension Benefit)
Pradhan Mantri Jan Dhan Yojana is made by the central government. If applicants have opened an account under Pradhan Mantri Jan Dhan Yojana, then along with this, by taking a subscription of Pradhan Mantri Man Dhan Yojana, they can avail pension of ₹ 3000 per month. If the age of the applicants is between 18 to 40 years, then the applicants can apply from this scheme.
In this, the applicant will have to pay a premium from the age of 60 years from joining. After this, a pension will be given to the applicants every month. The pension amount will be transferred to the savings account of the applicants.
Pradhan Mantri Jan Dhan Yojana Contact Information or Helpline Number
Applicants having any kind of problem can contact the helpline number mentioned here i.e. toll-free number. Here are the toll-free numbers: 18001801111, 1800110001.
Homepage: Click Here
Official Website: Click Here
FAQ
Q: When was the Pradhan Mantri Jan Dhan Yojana launched?
Ans: 15 August 2014
Q: What is the accident insurance amount under the Pradhan Mantri Jan Dhan Yojana?
Ans: ₹ 200000
Q: Who are the beneficiaries of Pradhan Mantri Jan Dhan Yojana?
Ans: Citizen of the country
Q: Is Pradhan Mantri Jan Dhan Yojana also for backward class people?
Ans: Yes.
Q: How much life insurance amount is given under the Pradhan Mantri Jan Dhan Yojana?
Ans: ₹30,000
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