1. Introduction – Pradhan Mantri Jan Dhan Yojana (PMJDY) is a financial inclusion scheme launched by the Indian government in August 2014. Its primary objective is to provide universal access to banking facilities for all households in India. Under this scheme, people can open a basic savings bank account with minimal documentation requirements. PMJDY also provides other financial services such as insurance, pension, and credit facilities to the account holders.
2. Required Documents for PM Jan Dhan Yojana – Proof of identity, Proof of address, Recent passport-sized photographs,
3. How Apply PM Jan Dhan Yojana –
To apply for the Pradhan Mantri Jan Dhan Yojana (PMJDY), follow these steps:
- Visit a Bank or Financial Institution: Locate a bank branch or financial institution near you that participates in the PMJDY scheme.
- Fill out the Application Form: Obtain the PMJDY application form from the bank or financial institution. Fill out the form with accurate information. You may need to provide details such as your name, address, date of birth, occupation, and identity proof.
- Provide Necessary Documents: Along with the application form, you will need to submit certain documents as proof of identity and address. Commonly accepted documents include Aadhaar card, Voter ID card, PAN card, Passport, Driving License, or any government-issued photo ID. You may also need to provide proof of address such as a utility bill, rent agreement, or Aadhaar card.
- Submit the Application: Once you have filled out the form and gathered the required documents, submit them to the bank or financial institution where you wish to open your Jan Dhan account.
- Biometric Verification: As part of the PMJDY process, banks may conduct biometric verification, especially if you are opening an account with zero balance. This typically involves capturing your fingerprints and iris scans.
- Receive Your Account Kit: Once your application is processed and verified, you will receive your Jan Dhan account kit, which includes your account number, passbook, and RuPay debit card.
- Activate Your Account: Activate your Jan Dhan account by depositing an initial amount. While the PMJDY allows for zero-balance accounts, depositing some amount can enable you to access additional banking services and benefits.
- Avail Government Benefits: Once your Jan Dhan account is active, you can start receiving various government benefits directly into your account, such as subsidies, pension payments, and other financial assistance.
