Important Educational Notice: This is an independent information portal. We are NOT associated with the All States Government, Ministry of Department of Financial Services, or any other government authority. All guidelines and links provided here are for educational purposes. For official submissions, always refer to the official portal linked below.
All StatesBankingCentral Scheme
PM Jan Dhan Yojana
Managed by: Department of Financial Services (Nationalized & Commercial Banks)
About the Scheme
PMJDY is a national mission for financial inclusion, ensuring access to financial services like savings accounts, remittances, credit, insurance, and pensions affordably.
Welfare Benefits & Assistance
- •Zero-balance savings account with no minimum balance requirements
- •Free RuPay Debit Card with built-in Rs. 2 Lakhs accidental death insurance cover
- •Overdraft facility up to Rs. 10,000 for eligible adult account holders after 6 months of satisfactory operation
Eligibility Criteria
State ResidencyCitizen of India
Age Limits10 years or above
Family Income CapUniversal unbanked population
Social Class / CategoryAll categories
Additional Prerequisites
- Must not own any other active bank savings account
Documents Required for Application
Tip: Keep scanned color copies of these documents ready before starting your application.
How to Apply (Step-by-Step Guide)
1
Apply through authorized bank websites
1
Visit the nearest bank branch or Bank Mitra kiosk, fill out the Jan Dhan account opening form
Who Should Apply?
- ✓Unbanked citizens seeking zero-balance savings accounts
Who Should NOT Apply?
- ✗Citizens already holding active commercial bank savings accounts
Frequently Asked Questions (FAQs)
What is the overdraft limit in PMJDY?
An overdraft facility of up to Rs. 10,000 is available, primarily to the female head of the family, after 6 months of active account operations.
Related Welfare Schemes
Pradhan Mantri Ujjwala Yojana
Who Can Apply:
Adult women from BPL households in WB without an active gas connection
Key Benefits:
•Free LPG connection including a deposit-free gas cylinder, regulator, and safety hose
•State-backed financial assistance of Rs. 1,600 to purchase the hot plate stove and first refill cylinder
Updated: July 2026
Samajik Suraksha Yojana (BSY/BMSSY)
Who Can Apply:
Unorganized sector workers in WB aged 18-60
Key Benefits:
•Provident fund contributions by government
•Accident insurance cover up to Rs. 2 Lakhs
Updated: July 2026
Atal Pension Yojana
Who Can Apply:
Unorganized sector workers aged 18-40
Key Benefits:
•Guaranteed monthly pension of Rs. 1,000 to Rs. 5,000 after age 60
•Government co-contributes 50% of premium (for eligible members joined before 2016)
Updated: July 2026
Scheme Details
State / CentralCentral Government
AuthorityNationalized & Commercial Banks
SubcategoryFinancial Inclusion
Launch DateAugust 2014
Target Beneficiarygeneral
Official Helpline1800-11-0001