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PM Jan Dhan Yojana

PM Jan Dhan Yojana: It was announced by Prime Minister Narendra Modi on 15 August 2014 and was launched on 28 August 2014.

The main objective of starting this PM Jan Dhan Scheme Yojana is to make the citizens financially empowered and everyone can get the benefits of growth and development. It was the world’s first largest financial inclusion initiative.
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a national mission launched by the Government of India to provide access to various financial services, such as banking/savings and deposit accounts, remittance, insurance, credit, pension to poor citizens in the country.

Objectives of Pradhan Mantri Jan Dhan Yojana scheme?

  • credit guarantee fund
  • Rupay Debit Card Facility
  • Pension facility for the unorganized sector (Swavalamban)
  • Reactivation of inactive accounts
  • micro insurance facility
  • access to need-based credit

What are the benefits of Pradhan Mantri Jan-Dhan Yojana Scheme?

You can get various benefits under the scheme of PMJDY. Some of them are listed here for quick reference for those who are looking for details about Pradhan Mantri Jan-Dhan Yojana Account:
  • There is no minimum balance policy for people under PMJDY account. But, if they want to avail themselves of check facilities, a minimum balance should be maintained.
  • If individuals manage the account well for 6 months, an overdraft facility is provided.
    People can also get accident insurance cover of Rs 1 lakh under RuPay scheme.
  • If the account was opened between 20 August 2014 and 31 January 2015, a life cover of Rs 30,000 is given on the death of the beneficiary.
  • Insurance products and pension access are offered under this PMJDY.
  • An overdraft facility of Rs 5,000 is given in one account at home. The facility is usually contributed by the woman in the household.
  • Personal accident cover can be claimed only if the RuPay cardholder has made a successful non-financial or financial transaction.
  • Transactions done within 90 days of the accident are considered PMJDY eligible transactions under the scheme. However, the transaction should be done at E-Com, POS, ATM, Bank Mitr, Bank Branch etc.
  • Account holders can verify their balance with the help of mobile banking facility.
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