PM Jan Dhan Yojana — Quick Overview
| Scheme Name | PM Jan Dhan Yojana 2026 — Zero Balance Bank Account + ₹2 Lakh Insurance |
| Launched By | Government of India |
| Launch Year | 2014 |
| Benefit | Zero balance account + ₹2L accident insurance + ₹10,000 overdraft |
| Category | Finance |
| Last Verified | 28 April 2026 |
| Official Portal | https://pmjdy.gov.in |
What is PM Jan Dhan Yojana?
Pradhan Mantri Jan Dhan Yojana (PMJDY) is India's largest financial inclusion scheme with 56+ crore accounts. Any Indian citizen can open a zero-balance savings account with free RuPay debit card, ₹2 lakh accident insurance, ₹30,000 life insurance, and ₹10,000 overdraft facility.
Under this scheme, eligible beneficiaries receive Zero balance account + ₹2L accident insurance + ₹10,000 overdraft. The scheme was launched in 2014 and is implemented by the Government of India.
प्रधानमंत्री जन धन योजना (PMJDY) में 56 करोड़+ खाते खुल चुके हैं। किसी भी बैंक में जीरो बैलेंस खाता खुलवाएं — मुफ्त RuPay कार्ड, ₹2 लाख दुर्घटना बीमा, ₹30,000 जीवन बीमा और 6 महीने बाद ₹10,000 ओवरड्राफ्ट मिलता है। pmjdy.gov.in पर जानकारी लें।
जीरो बैलेंस खाता + ₹2 लाख बीमा + ₹10,000 ओवरड्राफ्ट
Benefits of PM Jan Dhan Yojana
Zero balance account + ₹2L accident insurance + ₹10,000 overdraft
Who is Eligible for PM Jan Dhan Yojana?
- ✓Any Indian citizen (no minimum age but minors need guardian)
- ✓No prior bank account required
- ✓Only Aadhaar card needed to open account
- ✓One account per person (existing Jan Dhan holders not eligible for new account)
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Documents Required for PM Jan Dhan Yojana
How to Apply for PM Jan Dhan Yojana Online?
- 1Visit the official portal at https://pmjdy.gov.in
- 2Click on Apply Now or Register button on the homepage
- 3Enter your Aadhaar-linked mobile number and verify OTP
- 4Fill in the online application form with required details
- 5Upload the required documents including Aadhaar and bank passbook
- 6Review all details and submit the application
- 7Note down the application reference number for future tracking
- 8Wait for verification and approval from the concerned authority
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on pmjdy.gov.inFrequently Asked Questions — PM Jan Dhan Yojana
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