Information of Pradhan Mantri Jan Dhan Yojana

 Pradhan Mantri Jan Dhan Yojana

On 15 August 2014, Prime Minister Narendra Modi announced the Pradhan Mantri Jan Dhan Yojana  under which each family has to create a bank account in which they get a sum of Rs 1 lakh and a RuPay Debit Card. Will be

Pradhan Mantri Jan Dhan Yojana has been made keeping in mind the poor people, so that they can develop a sense of savings as well as give them an important sense of future security. Apart from this step, the country's money will also be safe and public works will be encouraged.
Pradhan Mantri Jan Dhan Yojana is a major and important decision of the Central Government, which will make the foundation of the country strong. This will prove to be an important decision in awakening the enthusiasm in the poor and making them alert for the future. It is being said that subsidy money will also be deposited in this account, which is an atmosphere of unrest in the opposition after hearing this, they say It was the decision of the government. Well, the people of this country have nothing to do with this, now the people of the country can think on their own.

Pradhan Mantri Jan Dhan Yojana (PMJDY)

Pradhan Mantri Jan Dhan Yojana
After Mr. Modi's speech, 2.50 crore accounts have been created so far. Many of which did not have a single bank account till now. Jan Dhan Yojana will have a good contribution in making the economy strong.

There are 5300 banks connected in Jan Dhan Yojana, in which all information related to the account will be given and proper assistance will also be provided to the rural families.

Pradhan Mantri Jan Dhan Yojana Slogan is the slogan of Sabka Saath, Sabka Vikas, that is, the contribution of rural people is important in the development of the country which cannot be forgotten. Till now all the schemes which were heard were limited to cities only, but a large part of the country is rural and farmer families, which are the important part of this scheme.

The rupee debit card is also an important step of this government, which focuses on the economy at one place. Also, by adding rupee debit card to Pradhan Mantri Jan Dhan Yojana, the trend will increase in the rural family. Which will bring benefits soon. Otherwise, the behavior of the people towards the Aadhar card scheme was not so smooth and usually there is a lot of fear about facilities like debit credit card in rural environment. Hopefully due to this Jan Dhan Yojana, the ease of people of all classes will also increase towards RuPay Card.

After Shri Modi's speech,  Pradhan Mantri Jan Dhan Yojana (Jan Dhan Yojana) is seen growing very fast, yet in the states where there is opposition government, the trend of people is being underestimated.

Everyone's participation in this work of public welfare is important, so become part of the  Pradhan Mantri Jan Dhan Yojana (Jan Dhan Yojana) at the earliest and give your support in the progress of your country.

As soon as the implementation of  Pradhan Mantri Jan Dhan Yojana, many types of questions started to be answered, which are either being brought to the fore by the opposition or the media is stating statements against it or in favor. When asked by the government, their only answer is that this Jan Dhan Yojana (Pradhan Mantri Jan Dhan Yojana) has been made keeping in mind the poor Indians, which will increase their self-confidence, as well as appropriate changes in their lifestyle.

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Record breaking accounts were opened on 22 August after Prime Minister Shri Modi's Independence Day speech, in which he presented the Jan Dhan Yojana (Pradhan Mantri Jan Dhan Yojana) to the public. It was estimated at 1.5 crore in the whole country, it has never been seen in any country where so many accounts have been opened simultaneously. This only gives an idea that there is strength in Modi's words, as well as the people are also giving full support to him.

Benefits of Pradhan Mantri Jan Dhan Yojana

The Pradhan Mantri Jan Dhan Account actually comes under the category of Basic Savings Bank Deposit Account -BSBDA. The rules are very simple in terms of balance and documents in such accounts, but there are some restrictions in terms of money transactions and other facilities. The main features of Pradhan Mantri Jan Dhan Account are as follows-

Minimum Balance Not Required

No minimum deposit is required to open an account under Pradhan Mantri Jan-Dhan Yojana. That is, you can open this account without depositing any money. It is not mandatory to keep any minimum balance even later. However, there are some additional benefits of keeping a balance, so it is better to keep the balance and continue the transaction.

4 percent interest and other products

The bank also pays 4 percent interest on the money you keep in the Prime Minister's Jan-Dhan account, just like a normal savings account.
You can use the facilities of FD, RD etc. with the Jan Dhan account like a normal savings account.

ATM card also

On opening a Jan Dhan account, a free ATM card is also issued by the bank. This ATM card can be used for any ATM machine, POS machines (machines used for payment at shops or stores) or online payments, just like other normal ATM cards. This debit card is valid for a fixed period. It will have to be renewed after the expiry of its validity period.

Rupay Debit Card? It is an indigenous debit card of India issued by National Payment Carporation of India-NPCI. It provides banking transactions and payment facilities like any other reputed Visa or MasterCard.

Mobile banking and SMS alerts too

Like other bank accounts, banks also provide you the facility of phonebanking (transaction and payment with the help of phone number) on Prime Minister Jan-Dhan accounts. Also send AMS alerts for every transaction made from your account.

Facility for sending and ordering money anywhere in the country

Through Jan-Dhan account you will have the facility to send or call money anywhere within the country. Online or digital payments can also be made from it.

Accident Insurance cover up to one lakh rupees

On opening a Pradhan Mantri Jan Dhan account, you also get accident insurance cover up to Rs 1 lakh. This means that the account holder will get up to Rs 1 lakh in case of physical damage or death in an accident.

The benefit of this accident insurance will be available only if you have done a transaction with that account within the last 90 days of the date of the accident. Such transactions would include both financial or non-financial transactions.

Accidental insurance cover will be available to every account holder. Even if many people are members of the same family, all Jan-Dhan account holders will get the benefit of this insurance. However, this accident insurance cover can only be found on one account.

You do not have to pay any separate premium for accident insurance cover. In fact, its premium is paid by every RuPay cardholder on behalf of RuPay card issuing institution NPIC. Pradhan Mantri Jan Dhan Yojana

Life insurance of 30 thousand rupees also

On the Prime Minister Jan-Dhan account, you also get life insurance protection of 30 thousand rupees. In case of death of the account holder due to any reason, this insurance amount is available. However, this insurance cover can only be given to a member of a family. Other conditions for this are as follows-

  • The person should normally be the head of the family or the earning member of the family. He should not be less than 18 years of age and not more than 59 years.

  • If the head of the household is already more than 60 years of age then another member younger than him (18 to 59 years) will be entitled to this insurance cover.

  • The person has a RuPay Card and his bank account is linked to the Bio-Metric Card. And yes, Rupay Card should also be valid at the time of death.

  • If there is a joint account, then the primary account holder will be the primary account holder eligible for this insurance cover. On fulfilling other conditions of age, etc.

  • Presently this insurance cover is applicable for 5 years of commencement (from FY 2014-15 to 2019-20). Depending on the performance of the scheme, its terms may also change.

Benefits of government subsidy, pension, insurance, etc.

The benefits of government schemes, subsidies, pensions, insurance payments, etc. are being sent through Jan Dhan accounts. However, you get these benefits even if you have a normal bank savings account. For example, the government subsidy on LPG is now sent directly to the beneficiary's account through Direct Benefit Transfer.

Even if you join private sector with any pension scheme or insurance policy, etc., you can connect Jan Dhan account with it.

Overdraft facility up to Rs 5000

If your Pradhan Mantri Jan Dhan account is 6 months old and is running properly, then you will also be given an facility to withdraw 5000 thousand (overdraft). However, it will have to pay interest.

  • Overdraft facility can be available to only one person in a family. Women also get priority in that.

  • It is mandatory to add Aadhaar number to the account to avoid duplication in the facility of overdraft (availing facility from more than one account).

Note: On any money you withdraw through overdraft, you have to pay 2 percent extra interest from the base rate of the bank. Currently, this rate falls to around 10%.

Can be converted into normal savings account anytime

You can change your Jan Dhan account to normal savings account any time later. Just some documents and may have to be submitted for this. After this, according to the general savings account, the rules of balance and transactions have to be followed.

Anyway, if you exceed the maximum balance and transaction limit set for Jan-Dhan account, then the bank will automatically convert your account into normal savings account. The procedures required for this will also have to be dealt with.

Pradhan Mantri Jan Dhan Account Limits

  • Fees for withdrawing more than 4 times: You can withdraw money at most 4 times in a month including ATM transactions. The bank will charge you a fee (Rs 10 per withdrawal) for withdrawing money more than this. However, there is no such restriction or limit in relation to depositing money.

  • Restriction of maximum balance: The total deposits in such accounts during a year cannot exceed Rs 1 lakh and the balance cannot be kept more than Rs 50 thousand at any one time.

  • Maximum transaction count: Total in a month Withdrawal cannot exceed 10 thousand rupees.

  • No check draft facility on zero account: Basically no minimum balance is required to maintain Jan-Dhan account, but if you want to get the facility of check or draft, then it is necessary to keep the necessary bank balance as well. .

Note: You should get the information about the minimum balance, in the bank branch concerned. This information is also available online on the website of banks.

Where and how to open  Pradhan Mantri Jan Dhan Yojana  account

You can open your account with any bank branch or business correspondent of the bank. The business representative is named 'Bank Mitra'. Most banks open Jan Dhan accounts only through these bank friends.
Any Indian citizen above the age of 10 years can open Prime Minister Jan-Dhan account in his name.
Two or more persons can also open a joint account.

Documents for opening Pradhan Mantri Jan Dhan Yojana account

If Aadhaar card / Aadhaar number is available then no other documents are required. If the address has changed, then the current address will be accepted by attesting with the signature of the applicant.

If Aadhaar card is not available then one of the following government valid documents will be required:

  • Voter ID
  • Driving license
  • Pan Card
  • Passport
  • MNREGA job card

Note: If your address is also present in these documents then it can act as both "proof of identity and address". If the address is not mentioned, then any other address related documents such as electricity bill, phone bill, birth certificate, marriage registration, etc. can be given. It is noteworthy that the government has also made PAN card mandatory for opening any other bank account except Jan Dhan accounts.

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