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 Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.

Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. Accounts opened under PMJDY are being opened with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.

Document required to open an account under Pradhan Mantri Jan-Dhan Yojana

An account can be opened by presenting an officially valid document.

the passport,
the driving licence,
the Permanent Account Number (PAN) Card,
the Voter’s Identity Card issued by Election Commission of India,
job card issued by NREGA duly signed by an officer of the State Government,
the letter issued by the Unique Identification Authority of India containing details of name, address and Aadhaar number, or
any other document as notified by the Central Government in consultation with the Regulator:
Provided that where simplified measures are applied for verifying the identity of the clients the following documents shall be deemed to be officially valid documents:—
identity card with applicant's Photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions;
letter issued by a Gazetted officer, with a duly attested photograph of the person.

Reserve Bank of India (RBI), vide its Press Release dated 26.08.2014, has further clarified that those persons who do not have any of the ‘officially valid documents’ can open “Small Accounts” with banks. A “Small Account” can be opened on the basis of a self-attested photograph and putting his/her signatures or thumb print in the presence of officials of the bank. Such accounts have limitations regarding the aggregate credits (not more than Rupees one lakh in a year), aggregate withdrawals (nor more than Rupees ten thousand in a month) and balance in the accounts (not more than Rupees fifty thousand at any point of time). These accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to continue for a further period of twelve more months, if the account-holder provides a document showing that he/she has applied for any of the Officially Valid Document, within 12 months of opening the small account.

Special Benefits under PMJDY Scheme

Interest on deposit.
Accidental insurance cover of Rs. 1.00 lac
No minimum balance required.
The scheme provide life cover of Rs. 30,000/- payable on death of the beneficiary, subject to fulfillment of the eligibility condition.
Easy Transfer of money across India
Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.
After satisfactory operation of the account for 6 months, an overdraft facility will be permitted
Access to Pension, insurance products.
The Claim under Personal Accidental Insurance under PMJDY shall be payable if the Rupay Card holder have performed minimum one successful financial or non-financial customer induced transaction at any Bank Branch, Bank Mitra, ATM, POS, E-COM etc. Channel both Intra and Inter-bank i.e. on-us (Bank Customer/rupay card holder transacting at same Bank channels) and off-us (Bank Customer/Rupay card holder transacting at other Bank Channels) within 90 days prior to date of accident including accident date will be included as eligible transactions under the Rupay Insurance Program 2016-2017.
Overdraft facility upto Rs.5000/- is available in only one account per household, preferably lady of the household.

Account Opening Form(English)

Account Opening Form (Hindi)

For more information visit

 Pradhan Mantri Jan-Dhan Yojana (PMJDY)
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1. Pradhan Mantri Shram Yogi Mandhan
2. Ayushman Bharat is National Health Protection Scheme
3. Pradhan Mantri Rojgar Protsahan Yojana(PMRPY)
4. Deen Dayal Upadhyaya Grameen Kaushalya Yojana [DDU-GKY] Scheme
5. Dairy Entrepreneurship Development Scheme
6. Gramin Bhandaran Yojana
7. Nanaji Deshmukh scheme of Construction of Hostels for DNT Boys and Girls
8. Pradhan Mantri Krishi Sinchayee Yojana
9. Atal Pension Yojana
10. National Safai Karamcharis Finance and Development Corporation (NSKFDC)
11. प्रधानमंत्री ग्रामीण आवास योजना ऑनलाइन आवेदन
13. Pradhan Mantri Kaushal Vikas Yojana (PMKVY)
14. Deen Dayal Upadhyaya Gram Jyoti Yojana
15. Pradhan Mantri Bhartiya Jan Aushadhi PariYojana Kendra (PMBJPK)
16. Pradhan Mantri Awas Yojana (PMAY)
17. Check your Eligibility for Ayushman Bharat Medicare Health Yojana – Pradhan Mantri Jan Arogya Abhiyaan – Ayushman Bharat Yojana
18. RNTCP - Government TB Treatment Education & Care NSP
20. Atal Bimit Vyakti Kalyan Yojana
22. Livestock Insurance Scheme
23. Mudra Bank Yojana Scheme
24. Pradhan Mantri Adarsh Gram Yojana
25. Pradhan Mantri Matru Vandana Yojana (PMMVY)
26. Pradhan Mantri Kaushal Vikas Yojana (PMKVY)
27. Sukanya Samridhi Yojana (Girl Child Prosperity Scheme)
28. National Career Service (NCS)
29. Assistance for Skill Development of OBCs/DNTs/EBCs (NGO Scheme)
30. How the India Post Payments Bank Differs from Post Office Savings Account
31. Centrally Sponsored Scheme of Assistance to Scheduled Castes Development Corporations (SCDCs)
32. Schemes undertaken by NBCFDC for promoting Social Empowerment
33. Namami Gange - National Mission for Clean Ganga (NMCG)
34. Centrally Sponsored Scheme for implementation of the Protection of Civil Rights Act, 1955 and the Scheduled Castes and the Scheduled Tribes (Prevention of Atrocities) Act, 1989
35. Invest 1.5Lakh/yr in PPF Scheme and get 46 lakh. Save Tax too!
36. Sampoorna Grameen Rozgar Yojana
37. Credit Enhancement Guarantee Scheme for the Scheduled Castes (SCs)
38. National Service Scheme (NSS)
39. Mid Day Meal
40. National Scheduled Castes Finance & Development Corporation (NSFDC)
41. Central Sector Scheme of Assistance for Prevention of Alcoholism and Substance (Drugs) Abuse for Social Defence Services
42. National Pension System (NPS)
43. Pradhan Mantri Gramin Awaas Yojana (PMGAY)
44. Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA)
45. Pradhan Mantri Ujjwala Yojana
46. Special Central Assistance (SCA) to Scheduled Castes Sub Plan (SCA to SCSP)
47. Crop Insurance
48. Pradhan Mantri Jeevan Jyoti Bima Yojana
49. Standup India
50. Post-Matric Scholarship to the OBC Students
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