Affordable Housing

Pradhan Mantri Jan-Dhan Yojana

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Prime Minister Narendra Modi announced Pradhan Mantri Jan-Dhan Yojana on August 15, 2014. After which work started on 28th August, 2014, in which about 11 crore have opened their accounts till now.

Government run Pradhan Mantri Jan-Dhan Yojana to make the poor public economically strong. In which the citizens of any country who do not have a single bank account have been requested to open an account under this scheme. Apart from this, if an Indian citizen wants to include his earlier account in the Prime Minister Jan Dhan Yojna, he can do so, he will get all the facilities which are being given under this scheme.

Pradhan Mantri Jan-Dhan Yojana

Overview Of Pradhan Mantri Jan-Dhan Yojana

Under the Pradhan Mantri Jan Dhan Yojana, you will get the following facilities, government basically created this scheme for the poor.

Life insurance facility:
Under the Prime Minister Jan Dhan Yojna, you will get the  minimum amount of Rs.30000 /  of life assured to the account holders, and also with an Accidental Insurance of 1 lakh.

Loan Facility: 

Under the Prime Minister Jan Dhan Yojana, the account holder can take up to Rs 5000 / – in a gap of six months directly from the bank as a loan.

Zero balance facility:

 For the other savings account, the account holder will have to deposit some minimum amount in the bank account. This amount is the account holder only. You can also open the accounts under the Prime Minister Jan Dhan Yojana without any amount. It is zero balance facilities.

Rupee card facility:

Similar to other ATM cards, the account holder of Pradhan Mantri Jan Dhan Yojana will get the facility of Rupee card. This rupee card works like other ATMs. With the Rupee. Card, the account holders can withdraw money from any bank’s ATM machine. You can use this card four times in a month.

Mobile feature: 

Like all accounts, you can obtain all information about the account of Prime Minister Jan Dhan Yojana through mobile message. It does not require expensive Android phones. This feature is also available on ordinary mobile.

Minimum age: 

Under the Prime Minister Jan Dhan Yojana, the child / girl under the age of 10 years can also open the account and their parents will supervise it.

Small account: 

An appropriate introduction letter is mandatory for opening an account in any bank. But if you do not have any then you can open an account under the Prime Minister Jan Dhan Yojana.

Change account type: 

If anyone has already account in the bank, then he can transfer his account under this scheme. So that he can take advantage of all the benefits of the Prime Minister Jan Dhan Yojana.

Eligibility for opening an account under the Pradhan Mantri Jan-Dhan Yojana

  • Under the Pradhan Mantri Jan Dhan Yojna (PMJDY), it is necessary to be a citizen of India.
  • The child under the age of 10 years can also open the account and their parents can use their account smoothly.

Benefits Of Pradhan Mantri Jan-Dhan Yojana (PMJDY)

  • According to the Jan Dhan Yojana, an account of every single family in the country will be opened in the bank as well as minimum amount of Rs.1 lakh will be insured .
  • Pradhan Mantri Jan Dhan Yojna (PMJDY) is a policy designed keeping an insecure family in rural surroundings in mind.

Drawbacks Of Pradhan Mantri Jan-Dhan Yojana (PMJDY)

  • It will also be difficult to keep the details of all. This will affect the system of the bank.
  • If there is no proper arrangement for collecting the loan from the borrower, then the fundamental purpose of this scheme will fail.

Application For Pradhan Mantri Jan-Dhan Yojana (PMJDY)

  1. To apply for the account, you will have to download the application form in PDF format (available in Hindi and English) from the official website for the scheme. You can choose a file of either language, as per your convenience.
  2. Fill the name of the bank, along with the bank code. Also update the bank branch, name of the village and town, block name/sub district, district, state, ward number/SSA code, village code, and town code in the downloaded form.
  3. Fill your personal information, such as name, address, occupation, Aadhaar number, annual income, existing bank accounts of your family members, and details of your kisan credit card. You should also tick the checkbox in order to receive a Rupee debit card.
  4. Now you should enter the nomination details and submit the form to the nearest bank branch.
  5. Ensure that the form is filled in accurately. In case you have any queries, you can approach the bank officials for clarification before submitting the form.

Required Documents

  • Ration card
  • Voter ID card
  • PAN card
  • Permanent/temporary address proof that could be an electricity bill, water bill, or gas connection bill.
  • Aadhaar card
  • Government ID proof

Toll Free Numbers

1800 11 0001

1800 180 1111

For further information visit: http://www.awasyojanajaipur.com

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