Purpose
Along with bank accounts, financial facilities such as debit cards, banking services, deposits, money transactions, insurance, pensions, etc. are to be provided to the people. Besides, Pradhan Mantri Jan-Dhan Yojana is a mission of national financial inclusion.
Aptitude
Anyone above the age of 10 can open a bank account under this scheme.
Advantages
The benefits associated with the scheme are as follows:
Interest on the deposit
👉 Accident insurance cover of one lakh rupees
👉 No minimum balance is required, however, with the help of Rupee card, it is advisable to deposit a small amount to withdraw.
👉 Life insurance cover of Rs. 50,000.
Money can be easily transferred across India.
👉Beneficiaries of government schemes to deposit benefits directly in their account
Will come.
👉 Overdraft facility will be provided after satisfactory transaction in the account for 6 months.
👉Pension and insurance facility
Procedure
• The following documents are required for Pradhan Mantri Jan-Dhan Yojana.
• If you have Aadhaar card, B document is not required.
• A certificate of current address is required if the address has changed.
• If Aadhaar card is not available then any one of the following government documents is required.
Credentials
Driving license
PAN card
Passport
NREGA card
Note: If these documents contain the applicant’s address, this will serve as proof of identity as well as address.
If any person does not have the above mentioned document, he / she can open an account with any document issued by the bank for the low risk category, a letter issued by the Gazetted Officer in which the photo of the person is also certified.
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The scheme will be implemented thro
ugh branches of nationalized and public sector banks, branches of co-operative banks, bank friends, business representatives etc.
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