Hello friends, in today’s blog article we will tell you about the Pradhan Mantri Jan Dhan Yojana in which the citizens of India can earn interest by applying and opening their bank account and depositing some capital in it. This scheme has been started by Prime Minister Narendra Modi to eliminate poverty in India. In this scheme, the poor can open their bank account for free and deposit some of their capital in it and earn interest on it and up to 10% interest will be given in it.
The other name of Pradhan Mantri Jan Dhan Yojana is PM Jan Dhan Yojana. This scheme has been started for the citizens of India. Under this scheme, people below the poverty line can open their bank account for free and can earn interest on it by depositing some of their capital in it. The deposit amount deposited in the bank account will be given more than 10% interest. This scheme has been started to eliminate poverty in India.
Pradhan Mantri Jan Dhan Yojana is a scheme started by our Prime Minister Honorable Narendra Modi. This scheme was announced in India on 15 August 2014 but this scheme was started in the whole country on 28 August 2014. Many poor families participated in this scheme and this scheme became a successful scheme of India. Under this scheme, accounts were opened in banks for free and the accumulated capital was deposited.
The launch of Pradhan Mantri Jan Dhan Yojana was announced by Narendra Modi from the Red Fort and under this scheme, a proposal was also sent to some banks, out of which emails were sent to 7.30 lakh banks to open bank accounts for free, out of which 7.5 crore banks accepted the proposal and this scheme was started on 28 August 2014 in which bank accounts were opened for free in some banks and deposits were made in some places and up to 10% interest was also given on the deposited capital. This scheme was started to eliminate poverty in India and this scheme is still running. You can still participate in this scheme and deposit your deposits in a bank account.
Under the Pradhan Mantri Jan Dhan Yojana, the citizens who open their bank accounts in India will be given free insurance up to Rs 1 lakh with this bank account. Many types of financial facilities and business loans will also be given and under this scheme, up to 10% interest on the deposited capital and accident insurance will be given for free.
What is the Prime Minister’s Jan Dhan Yojana?
Pradhan Mantri Jan Dhan Yojana was announced in India on 15 August 2014 and on 28 August 2014, this scheme was implemented in the whole country. Under this scheme, free bank accounts were opened for the poor and the poor could deposit their savings in those bank accounts and take a loan up to 10% on it. Under this scheme, it was started as a national mission for financial inclusion, the objective of which is to ensure access to financial services i.e. banking savings and deposit accounts, money insurance and pension in a free manner. Under this scheme, those who open their bank accounts will be given free insurance up to ₹ 100000 and many types of financial facilities will also be provided.
What are the benefits of Pradhan Mantri Jan Dhan Yojana
Pradhan Mantri Jan Dhan Yojana was started by Honorable Narendra Modi and this scheme was announced on 15 August 2014 and it was started on 28 August 2014. Many types of benefits were also given through this scheme. In this scheme, the poor who open their bank account and deposit the capital in it will be given interest on the deposit and insurance up to ₹ 100000 and accident insurance cover will also be given.
- There is no minimum balance requirement however it is advisable to maintain sufficient balance in the account to withdraw money from any ATM with Rupay Card
- Insurance up to ₹30000 will be done
- Can make money transfer easier across India
- Beneficiaries of government schemes will get direct benefit transfer in these accounts
- Overdraft facility will be allowed after satisfactory operation of the account for 6 months
- Along with pension, access to insurance products will also be available
- Accident Insurance Kanwar Rupay Debit Card must be used at least once in 45 days
- Overdraft facility upto ₹5000 is available in only one account per woman of each Parivar Adi Manas Parivar
Important Documents To participate in Pradhan Mantri Jan Dhan Yojana
Following are the important documents to participate in Pradhan Mantri Jan Dhan Yojana
- If Aadhaar Card / Aadhaar number is available then no other document is required. If address is changed then self-proof of current address is sufficient.
- If Aadhaar card is not available then any one of the following officially issued documents will be required Voter ID card, Driving License, PAN card, Password and NREGA card If these documents do not have your address then it can also serve as proof of identity and proof of address
- If a person does not have any of the officially verified documents mentioned above but is categorized as low risk by the banks then he can open a bank account by submitting any one of the following documents
- Identity card bearing photograph of the applicant issued by Central / State Government Departments / All Statutes / Vinayak Officers and Public Sector Undertakings on Scheduled Commercial Banks and Public Financial Institutions
- Letter issued by Gazetted Officer containing Miscellaneous Verification Photograph of Devotion
Some Important links of Pradhan Mantri Jan Dhan Yojana
Official website of Pradhan Mantri Jan Dhan Yojana :- Apply Here
