If you have not opened PM Jan Dhan account, open it immediately. The number of bank accounts on zero balance under Pradhan Mantri Jan Dhan Yojana has now crossed 41 crore. Account holders get many benefits in the account opened under this.
Under this account, even if you do not have a balance in your account, you can withdraw up to Rs 10,000. Apart from this, there is a debit card facility through which you can withdraw money from the account and also make purchases.
The scheme was launched in 2014
It may be noted that Prime Minister Narendra Modi had announced the launch of Jan Dhan Yojana in his Independence Day address in 2014. The scheme was launched on August 28 this year. The government launched the second version of the scheme in 2018 with more facilities and benefits.
The number of zero accounts decreased
According to the ministry, the number of accounts with zero balance has been steadily declining since 2015. In March 2015, 58% of accounts had no balance, which has now come close to 7%. That means now people are also depositing money in it. Let us know about the features available in it.
- Account of a child below 10 years of age can also be opened under Jan Dhan Yojana.
- On opening an account under this scheme, you get RuPay ATM card, accident insurance cover of Rs 2 lakh, life cover of Rs 30,000 and interest on the deposit.
- On this you also get the facility of overdraft of 10 thousand.
- This account can be opened in any bank.
- In this you do not need to maintain a minimum balance
Documents required for opening a Jan Dhan account
You can also submit documents fulfilling your Know Your Customer (KYC) requirement including Aadhaar card, passport, driving license to open a Jan Dhan account. If you do not have the documents, you can open a small account. In this, you will have to submit a self-certified photograph and your signature in front of the bank officer. You do not have to pay any fee or charge to open a Jan Dhan account. Anyone 10 years of age or older can open this account.