Pradhan Mantri Jan Dhan Yojana (PMJDY) is a financial-inclusion scheme that gives every household a zero-balance bank account with a free RuPay debit card, accident insurance and an overdraft facility.
Apply and check your status free on the official Government of India portal.
Benefits
- Zero-balance savings bank account
- Free RuPay debit card with ₹2 lakh accident insurance cover
- Overdraft facility up to ₹10,000 for eligible accounts
- Access to Direct Benefit Transfer (DBT) and other schemes
Eligibility
- Any Indian citizen aged 10 years and above
- One basic savings account per individual without an existing bank account
Documents required
- Aadhaar card (or other valid KYC document)
- Passport-size photograph
How to apply
- Visit any bank branch or Bank Mitra (business correspondent).
- Fill the PMJDY account-opening form with your KYC.
- Submit Aadhaar/valid ID and a photograph.
- Receive your zero-balance account and RuPay card.
Helpline
1800-11-0001 / 1800-180-1111
Official links
- PM Jan Dhan official site ↗
- Department of Financial Services ↗
- Check your eligibility on myScheme (Govt of India) ↗
Frequently asked questions
What are the benefits of a Jan Dhan account?
A zero-balance bank account, a free RuPay card with ₹2 lakh accident cover, an overdraft up to ₹10,000 and access to DBT.
Who can open a PM Jan Dhan account?
Any Indian aged 10+ who does not already have a bank account, using Aadhaar or another valid KYC document.
Is there a minimum balance for a Jan Dhan account?
No — PMJDY accounts are zero-balance with no minimum-balance requirement.