Pradhan Mantri Jan Dhan Yojana 2025 : Hello friends, Prime Minister of India Shri Narendra Modiannounced the ‘Pradhan Mantri Jan Dhan Yojana’ on 15 August 2014, whichofficially launched on 28 August 2014.The objective of this scheme is to connect the poor citizens of the country with banking facilities and provide financial services.Under this scheme, bank accounts of poorandbackward class people are opened at zero balance in nationalized banks, post offices and other recognized institutions. Pradhan Mantri Jan Dhan Yojana 2025
Under this scheme , those whose account is linked to Aadhar card are given overdraft facility of up to ₹ 5000 after 6 months . Apart from this, account holders are also provided with RuPay Debit Card, RuPay Kisan Card and accident insurance cover of up to ₹ 1 lakh. The beneficiaries of the scheme also get an additional insurance cover of ₹ 30,000 from the central government , which is given to the family of the account holder only in case of his death .
Prime Minister Jan Dhan Yojana 2025 : Overview
| Article name | Prime Minister Jan Dhan Yojana 2025 |
| Type of article | Government scheme |
| Channel | Online |
| Complete information | Get it from this article. |
Major benefits of Pradhan Mantri Jan Dhan Yojana 2025
Under the Pradhan Mantri Jan Dhan Yojana, many types of financial facilities are provided to the poor and backward class citizens . The main benefits of this scheme are as follows:
- There is no need to maintain minimum balance in accounts opened under this scheme .
- Debit card facility is provided to the account holders , so that they can easily avail the benefits of banking facilities .
- Under this scheme, accident insurance cover of ₹ 1 lakh is given, which provides financial assistance in case of an accidental death .
- If the account is linked with Aadhaar card, account holders are also given overdraft facility of up to ₹10,000.
- The benefits of other schemes run by the Central Government are directly delivered to the beneficiaries through this account .
- Women are especially encouraged under this scheme, with more than 55% of accounts being opened in the name of women.
Insurance facilities available under Pradhan Mantri Jan Dhan Yojana 2025
Insurance cover is also provided under the Pradhan Mantri Jan Dhan Yojana, which provides financial assistance to poor families in times of crisis. The following insurance covers are included in this scheme:
- Accidental insurance cover of up to ₹2 lakh is provided on RuPay Debit Card .
- In case of death of the account holder, an additional insurance cover of ₹30,000 is given to his family .
- The account opening period should be between 15th August 2014 to 26th January 2015 , only then the insurance cover can be availed.
How to Apply for Pradhan Mantri Jan Dhan Yojana 2025
The following process can be followed to open an account under Pradhan Mantri Jan Dhan Yojana :
- Visit Nearest Bank Branch : Interested applicant needs to visit his/her nearest bank branch.
- Get Application Form : Get the application form for opening Jan Dhan account from the bank.
- Fill the application form : Fill all the information asked in the form correctly.
- Attach Documents : Attach required documents with the form, like Aadhar Card, Identity Card, Mobile Number, Passport Size Photo, etc.
- Submit the form : Submit the filled application form to the bank official.
- Open an account : After the process is completed by the bank officer, your Jan Dhan account will be opened.
How to check Pradhan Mantri Jan Dhan Yojana 2025 account balance?
Account holders can check their account balance through the following methods:
- Through Online Portal :
- First of all go to the official website of PFMS .
- Click on the option “Know Your Payment ”.
- Enter your bank name, account number and captcha code.
- After that click on “Send OTP On Registered Mobile Number”.
- You can check your balance by entering the received OTP .
- Through Missed Call Facility : If you have Jan Dhan account in State Bank of India (SBI), you can check your bank balance by giving a missed call to 8004253800 or 1800112211 .
Latest Updates of Pradhan Mantri Jan Dhan Yojana 2025
Recently a new calling facility has been started under the Pradhan Mantri Jan Dhan Yojana . Through this facility, account holders can get information about their account by calling on toll free number . Different calling numbers have been provided for each state. Due to this facility, now account holders will not need to go to the bank, which will save time and money.
Documents required for Pradhan Mantri Jan Dhan Yojana 2025
Applicants need to submit the following documents to open a Jan Dhan account:
- Aadhar card
- Identity proof (like PAN card, voter ID, etc.)
- Mobile Number
- Passport size photo
- Address proof
Objective of Pradhan Mantri Jan Dhan Yojana 2025
The main objective of this scheme is to connect the economically weaker sections of the country to the banking system. Under this scheme, citizens are given the facility to open accounts with zero balance, so that they can easily avail the benefits of financial services such as loans, insurance, pension and money transfer facilities.
Prime Minister Jan Dhan Yojana 2025 : Important Links
| Official Website | Click Here |
| Home page | Click Here |
conclusion
Pradhan Mantri Jan Dhan Yojana 2025 is an important scheme for the economically weak and poor citizens, which provides them financial independence and security . Under this scheme, not only banking services are being provided, but insurance cover, overdraft facility and government benefits are also being transferred directly to Jan Dhan accounts.
Any person who wants to avail the benefits of this scheme should open his Jan Dhan account as soon as possible and avail its benefits.
FAQs (Frequently Asked Questions)
Q1: What is the main objective of Pradhan Mantri Jan Dhan Yojana? The main objective of Pradhan Mantri Jan Dhan Yojana is to provide financial security to economically weaker citizens by connecting them with banking facilities.
Q2: How to avail the insurance cover under Pradhan Mantri Jan Dhan Yojana? To avail the insurance cover, it is mandatory for the account holder to use RuPay debit card.
Q3: What are the documents required to open a Jan Dhan account? The applicant has to submit Aadhaar card, identity proof, mobile number, passport size photo and residence proof.
Q4: How to avail overdraft facility under Pradhan Mantri Jan Dhan Yojana? To avail overdraft facility, the account must be linked to Aadhaar card and the account holder’s account must be at least 6 months old.
Q5: What is the process to open a zero balance account under Pradhan Mantri Jan Dhan Yojana? The account can be opened easily by visiting the nearest bank branch, filling the application form and submitting the required documents.