Overview & Benefits

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a National Mission for Financial Inclusion. It aims to ensure access to financial services—banking, savings, remittance, credit, insurance, and pension—in an affordable manner. Accounts have no minimum balance requirement and provide a free RuPay debit card with inbuilt accident insurance of Rs. 2 Lakh.

Eligibility Criteria

Any Indian citizen aged 10 years and above who does not already possess a bank account can open a PMJDY account.

Required Documents

  • Aadhaar Card (If Aadhaar is present, no other document is required)

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  • Alternatively: Voter ID, Driving License, PAN, Passport, or NREGA Card

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Application Process

1. Visit any bank branch or Bank Mitra (Business Correspondent).

2. Ask for the PMJDY account opening form.

3. Submit the filled form along with self-attested KYC documents and a passport-size photograph.

4. The account is usually activated within 24 hours.