Pradhan Mantri Jan-Dhan Yojana (PMJDY) Scheme | Department of Financial Services

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The “Pradhan Mantri Jan-Dhan Yojana (PMJDY) / प्रधानमंत्री जन-धन योजना” scheme was launched within the framework of the national mission of financial inclusion initially for years (in two phases) on August 28, 2014. It envisages universal access to banking facilities using at least one primary bank account per household. Financial literacy, access to credit, insurance, and pensions.

PMJDY provided a platform for the three Social Security schemes. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), and Pradhan Mantri Mudra Yojana (PMMY).

योजना की आधिकारिक वेबसाइट से प्रधानमंत्री जन धन योजना के लिए आवेदन पत्र भरकर स्थानीय बैंक शाखा में जमा करें। PMJDY ने तीन सामाजिक सुरक्षा योजनाओं के लिए एक मंच प्रदान किया है। प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY), प्रधानमंत्री सुरक्षा बीमा योजना (PMSBY), अटल पेंशन योजना (APY), और प्रधानमंत्री मुद्रा योजना (PMMY)।

WHAT’S NEW – Jan Dhan Yojana

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Details of Pradhan Mantri Jan-Dhan Yojana (PMJDY)

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is the national mission of financial inclusion to ensure access to financial services, namely, savings accounts, base deposits, transfers, credit, insurance, and pensions. Under the scheme, a Basic Saving Bank Deposit (BSBD) account can be opened at any bank branch or commercial correspondent port (Mitra Bank), by people who do not have any other account.

His Excellency the Prime Minister announced that Prime Minister Jan Dhan Yojana is the National Mission for Financial Inclusion in his Independence Day speech on August 15, 2014, to ensure comprehensive financial inclusion of all families in the country by providing at least universal access to banking facilities. One basic bank account per household, financial literacy, and access to credit, insurance, and pension facilities.

Hereby, anyone who does not have a savings account can open an account without the need for any minimum balance, and if he declares that he does not have any of the officially valid documents required to open a savings account.

Moreover, to expand the range of banking services, more than 6 lakh villages in the country have been designated in 1.59 lakh Sub Service Areas (SSAs), with each sub-service area usually comprising 1,000 to 1,500 households, and a 1.26 lakh SSA that did not have a bank branch, Bank Mitras was hired for branchless banking.


Thus, PMJDY provides non-bank people easy access to banking services and awareness of financial products through financial literacy programs. Additionally, they receive a RuPay debit card, with inbuilt accident insurance coverage of Rs. 2 lakh, and access to an overdraft facility upon satisfactory operation of the account or credit history for six months.

Moreover, through the Prime Minister’s Social Security Schemes, launched by the Honorable Prime Minister on May 9, 2015, all eligible account holders can access through their bank accounts personal accident insurance coverage under Pradhan Mantri Suraksha Bima Yojana, Life Insurance Coverage in Pradhan Mantri Jeevan Jyoti Bima Yojana, the minimum pension guaranteed for subscribers under Atal Pension Yojana.

PMJDY has been envisioned as a daring, innovative, and ambitious mission. The 2011 Census estimated that out of 24.67 crores of households in the country, 14.48 crores (58.7%) had access to banking services. In the first stage of the scheme, these households were targeted for inclusion through opening a bank account within a year of the scheme launch.

The actual achievement, as of 26 January 2015, was Rs 12.55 crore. As of 27.3.2019, the number of accounts has grown to 35.27 crores. Moreover, in 2011, there were only 0.33 lakh SSAs that had banking facilities and by providing Bank Mitras with 1.26 lakh branchless banking, banking services were expanded throughout the rural areas of India. The overarching aspect of this is evidenced by the fact that 20.90 crores (60%) of PMJDY accounts are in rural areas and 18.74 crores (over 53%) of PMJDY account holders are women.


Pradhan mantri jan dhan yojana benefits – PMJDY के लाभ

  • A basic savings bank account is opened for someone who does not do business with banks.
  • There is no requirement to maintain any minimum balance in PMJDY accounts.
  • Interest is earned on depositing into PMJDY accounts.
  • The Rupay debit card is provided to the PMJDY account holder.
  • Accident insurance cover of Rs 1 lakh (improved to Rs 2 thousand for new PMJDY accounts opened after 28.8.2018) is available with a RuPay Card issued to PMJDY Account holders.
  • An overdraft facility (OD) of up to Rs. 10,000 to eligible account holders is available.
  • PMJDY accounts are eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), Micro Units Development & Refinance Agency Bank (MUDRA).

The government decided to extend the PMJDY comprehensive program beyond 28.8.2018 with the change in focus on opening accounts from “every household” to “every adult”, with the following amendment:

  • Exists on a draft (OD) limit of Rs. 5,000 audits/revised to Rs. 10,000.
  • There are no conditions associated with active PMJDY accounts profiting from OD up to Rs 2000.
  • The age limit to take advantage of the OD facility has been amended from 18-60 years to 18-65 years.
  • Accident insurance cover for new RuPay cardholders has been raised from the current Rs.1 lakh to Rs. 2 lakhs were opened to new PMJDY accounts after 28.8.2018.

What is a Basic Savings Bank Deposit Account? – BSBDA क्या है

PMJDY accounts are BSBDA in nature with a little extra facility. A Basic Savings Bank Deposit Account (BSBD) is a savings account that provides the following minimum facilities, free of charge, without the need to maintain a minimum balance for these account holders:

  • Cash deposit
  • Receipt/credit of funds through any electronic channel or by deposit/collection
  • Checks were drawn by central/governmental agencies and departments
  • There is no limit to the number and amount of deposits that can be made per month
  • At least four withdrawals a month, including ATM withdrawals
  • ATM card or debit card

In addition, for BSBD accounts, banks are free to provide additional value-added services, including checkbook issuance, as customers choose other than the aforementioned minimum facilities, which may / may not be priced according to the disclosure. Opening such additional services does not require a requirement to maintain a minimum balance in these accounts.

Can Multiple Accounts Be Opened Under PMJDY? – क्या PMJDY के तहत कई खाते खोले जा सकते हैं?

According to RBI guidelines:

BSBD account holders are not eligible to open any other savings bank deposit account with that bank. If the customer has any other savings bank deposit account present in that bank, he/she must close it within 30 days from the date of opening the BSBD account.
Before opening a BSBD account, the bank must take an acknowledgment from the customer that he does not have a BSBD account with any other bank.

What Are The Limits of the Micro or Small Account?

Small accounts have the following restrictions:

  • The total of all credits in small accounts cannot exceed Rs. 1 lakh per financial year.
  • Total withdrawals and transfers in small accounts cannot exceed Rs. 10,000 / – per month.
  • The balance in the junior account cannot at any time exceed Rs 50,000.

Can I Benefit from the Checkbook Service on My PMJDY Account?

Checkbook service is not a compulsory free service for PMJDY account holders. However, banks are free to provide additional value-added services, including the issuance of checkbooks on PMJDY accounts, which may / may not be priced. However, banks cannot require customers to maintain a minimum balance in PMJDY accounts to provide checkbooks.

What are the eligibility criteria to benefit from the accident insurance coverage included on the RuPay Card for PMJDY Account Holders?

According to NPCI’s RuPay Insurance Program 2019-20, PMJDY account holders with a RuPay Card, make at least one successful transaction (financial or non-financial) via any payment method for any bank, such as a branch / ATM/teller machine Small automated / POS/mail – com / Mitra Bank, within 90 days prior to the date of the accident including the date of the accident, are eligible. The age criteria for claiming insurance on RuPay PMJDY Cards is 5 years and above.

Documents Required for PM Jan Dhan Yojana

In addition to the application form, you will be required to submit the following documents to take advantage of the benefits of this scheme:

  • Ration card
  • Voter ID card
  • PAN card
  • Proof of permanent/temporary address, which can be an electricity bill, a water bill, or a gas delivery bill.
  • Aadhaar card
  • Proof of government identity
  • Any other documents required by the bank

Pradhan Mantri Jan Dhan Yojana Application Form 2024 – प्रधानमंत्री जन धन योजना आवेदन पत्र

pradhan mantri jan dhan yojana loan online apply – You can download the Pradhan Mantri Jan Dhan Yojana application form from the scheme’s official website, fill it out, and send it to your local bank branch. You will also have to submit some documents with the form to take advantage of this scheme.

Pradhan Mantri Jan Dhan Yojana Account Opening Process

  • A duly completed copy of the Pradhan Mantri Jan Dhan Yojana form must be submitted to the bank where you open your account.
  • Usually, all participating banks will have a dedicated Jan Dhan Yojana office where Jan Dhan Professionals called Bank Mitra will assist you with the form submission and account opening procedures to get a Pradhan Mantri Jan Dhan Scheme account.
  • The account opening form must be submitted along with some proof of identity such as proof of identity and address.
  • However, applicants with a valid Aadhar number will not be required to provide any additional evidence.
  • Also, two passport-size photos must be submitted to the bank at the time of opening the account.

Once the documents are submitted, the account will be opened within a few working days and the applicant will receive a ledger, checkbook, Rupay debit card, and in some cases Jan Dhan Yojana information package from the bank.

Download Jan Dhan Yojana Bank Account Application Form

  • To apply for the account, you will be required to download the application form in PDF format (available in Hindi and English) from the scheme’s official website. You can choose a file in either language at your convenience.
  • In the downloaded form, you must fill in the name of the bank with the bank code. Also update bank branch, village, and city name, block / sub-district name, county, state, stand or ward number / SSA code, village code, and city code.
  • Enter your personal information, such as name, address, occupation, Aadhaar number, annual income, current bank accounts of your family members, and your Kisan credit card details.
  • You must also select the checkbox to receive a Rupay debit card.
  • You must then enter the nomination details and send the form to the nearest bank branch.
  • You should make sure that you fill in the form inaccurately.
  • If you have any inquiries, you can contact the bank officials to get clarification before submitting the form.
  1. PMJDY Account Opening Form [Hindi] –
  2. PMJDY Account Opening Form [English] –

How to BANK-LOGIN for Pradhan Mantri Jan Dhan Yojana

  • Firstly, visit the official website of Pradhan Mantri Jan Dahan Yojana at
  • After that, a page will open on your screen.
  • Then click on the “Bank login” option.
  • After that, a new page opens on your screen.
  • Then fill in the User Login Details – User ID and Password and click on the Login button.
  • This way, you can use or access a bank login.

How to SLBC-LOGIN for Pradhan Mantri Jan Dhan Yojana

  • Firstly, visit the official website of Pradhan Mantri Jan Dahan Yojana at
  • After that, a page will open on your screen.
  • Then click on the “SLBC-LOGIN” option.
  • After that, a new page opens on your screen.
  • Then fill in the user login details – username and password and click on the Login button.
  • This way, you can use SLBC-LOGIN.

Feedback/Information/Complaint/Suggestion of PMJDY –

51.32 Crore beneficiaries banked so far ₹211,290.30 Crore Balance in beneficiary accounts 8.50 lakh Bank Mitras delivering branchless banking services in the Country

06 Jan 2024

Toll-Free Numbers and Contact Details

In case you have any inquiries regarding Pradhan Mantri Jan Dhan Yojana, you can contact the PMJDY Helpdesk at the following national toll-free numbers:

  1. 1800 11 0001
  2. 1800 180 1111

Mission Office Address:

  • Address: Department of Financial Services, Ministry of Finance, Room No. 106, 2nd Floor, JeevanDeep Building, Parliament Street, New Delhi-110001
  • Phone: 011-23361571/23748738
  • Email: [email protected]

Contacts List

State-wise Toll-Free Numbers

DAMAN & DIU18002331000
JAMMU & KASHMIR18001800235
NCT OF DELHI18001800124
Ladakh N/A
TAMIL NADU18004254415
UTTAR PRADESH18001027788
WEST BENGAL18003453343

Important Links of PMJDY

प्रधानमंत्री जन धन योजना Official WebsiteClick Here
Continuation of PMJDYClick Here
Account Opening Form -HindiClick Here
Account Opening Form -EnglishClick Here
Frequently Asked Questions (FAQs)Click Here
National Toll-Free1800 11 0001 | 1800 180 1111

Pradhan Mantri Jan Dhan Yojana Frequently Asked Questions (PMJDY)

What is Pradhan Mantri Jan-Dhan Yojana (PMJDY)?

Pradhan Mantri Jan Dhan Yojana (PMJDY) is the National Mission for Financial Inclusion (NMFI) launched by the Government of India in August 2014 to provide comprehensive banking services to every nonbank adult.

Where can PMJDY accounts be opened?

PMJDY accounts can be opened at any bank branch or business correspondent booth/kiosks.

What documents are required to open an account with Pradhan Mantri Jan-Dhan Yojana (PMJDY)?

To open a PMJDY account, an individual has to submit the required KYC documents to the bank branch/business correspondent.

If no KYC documents are available, can the PMJDY account be opened?

Yes, it is possible to open a Small account.

Can I open a joint account under the management of Pradhan Mantri Jan Dhan Yojana?

Yes, it is possible to open a joint account.

What is the period for submitting claim documents?

All supporting documents related to the claim must be submitted within 60 days of the date of notification of the claim.

Read More:

[PMKSY] Pradhan Mantri Krishi Sinchayee Yojana: Online Application Form
CLSS Awas Portal (CLAP) at – Pradhan Mantri Awas Yojana-Urban

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