Financial Inclusion
Pradhan Mantri Jan Dhan Yojana
Ministry of Finance · Launched 2014
A national mission for financial inclusion offering basic bank accounts, RuPay debit cards and built-in insurance for the unbanked.
Key benefit
Zero-balance bank account, RuPay debit card with accident insurance and overdraft facility.
Eligibility criteria
- Indian citizen aged 10 years and above
- Should not already hold a bank account (for new account benefits)
- Valid KYC document required
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Documents required
- Aadhaar Card or any valid KYC document
- Photograph
How to apply
- 1Visit any bank branch or Bank Mitra outlet
- 2Fill the Jan Dhan account opening form
- 3Submit KYC documents and photograph
- 4Receive your RuPay debit card and passbook
Frequently asked questions
Is there a minimum balance for a Jan Dhan account?
No, the PMJDY account is a zero-balance account with no requirement to maintain a minimum balance.