PM Jan Dhan Yojana 2022 – Pradhan Mantri Jan Dhan Yojana (PMJDY)

PM Jan Dhan Yojana 2022Pradhan Mantri jan Dhan Yojana (Prime Minister’s Public Finance Scheme) may be a monetary inclusion program of the govt of Republic of India hospitable Indian voters about to increase reasonable access to monetary services like bank accounts, remittances, credit, insurance, and pensions.

PM Jan Dhan Yojana 2022

The National Mission for monetary Inclusion (PMJDY) aims to ensure reasonable access to monetary services like Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, and Pension. Any bank branch or Business Correspondent (Bank Mitr) location will open associate account. Accounts created with PMJDY are created with a zero balance. However, the account holder should meet minimum balance needs so as to receive a checkbook. Government of Republic of India lays special stress on monetary inclusion of voters because it is crucial to financial condition reduction. Exclusion of an oversized range of individuals from any access to monetary services prevents the expansion of our country. A theme to empower voters financially was extremely required so everybody will reap the advantages of growth and development.

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the Pradhan Mantri jan Dhan Yojana may be a monetary inclusion programme of the govt of Republic of India on the market to Indian voters (minors age ten associated older may open an account with a guardian to manage it). The drive for monetary inclusion was introduced on August twenty eight, 2014, by Indian Prime Minister Narendra Modi. These services include in PM Jan Dhan Yojana 2022

  • Banking, savings and deposit services
  • Remittance
  • Credit
  • Insurance
  • Pension

The Jan Dhan account is targeted towards the agricultural and concrete Indian population that was earlier unable to induce edges from the monetary services listed higher than.


The goal of PMJDY, or the National Mission for monetary Inclusion, is to ensure reasonable access to monetary services such banking, savings, and deposit accounts, remittance, credit, insurance, and pension.

PM Modi launches the ” Pradhan Mantri jan Dhan Yojana

Motto Mera Khata Bhagya Vidhata
Type of project Economic
Article PM Jan Dhan Yojana 2022
Country India
Prime minister (s) Narendra modi
Ministry Finance
Key people Nirmala Sitharaman
Launched 28 August 2014; 8 years ago
Status Active


PM Jan Dhan Yojana 2022
PM Jan Dhan Yojana 2022

History of pm jan dhan yojana

On holy day of obligation, 2014, Prime Minister Narendra Modi gave it a public debut. “Mera Khaata, Bhagya Vidhata” is that the scheme’s catch phrase (meaning “My account, fortune maker”) The programme was introduced as a results of the failure of earlier government initiatives like Swaabhimaan. The Indian government launched the Swaabhimaan campaign in 2011 with the goal of increasing banking services to rural areas.

Benefits of the Pradhan Mantri jan Dhan Yojana

  • You can avail of a loan against it

PM Jan Dhan Yojana 2022 permits you to borrow up to Rs. 5,000 against it once you’ve got completed six months.

  • Mobile banking

Thanks to mobile banking, you’ll currently manage your funds simply on-line while not the trouble of visiting your various bank’s branch repeatedly. It permits you to perform many banking transactions from a smartphone likewise as a daily mobile.

  • Insurance edges

You also have an opportunity to insure your family with this theme. It provides you with a life cowl of Rs. 30,000 and up to Rs. two hundred thousand within the event of death thanks to associate accident.

  • macroeconomic benefits
  1. It aids in emergency fund saving.
  2. Your Jan Dhan bank account comes with a RuPay debit card. This makes it simple for you to use an ATM to withdraw money from your account.
  3. Additionally, it offers you insurance that you might not otherwise be able to pay.
  4. Additionally, a 5,000 rupee overdraft facility is available option. An overdraft can have a maximum limit of Rs. 15,000 in it.
  5. Since this account is an Aadhaar-linked plan, investing in it carries no danger of fraud.
  6. You can timely earn interest with this account as well.
  7. You can move money between accounts using the Pradhan Mantri Jan Dhan Yojana and with a minimum of paperwork as well.

Who isn’t eligible for (PMJDY) scheme?

The following list of people and teams might not be eligible to learn from this PM Jan Dhan Yojana:

  • No state or federal staff are permissible to settle on this PM Jan Dhan Yojana.
  • Families of current tax payers are ineligible to qualify for the PM. Gregorian calendar month Yojana
  • You are not eligible to require advantage of this programme if you’re associate Aam Aadmi Bima Yojana participant. However, you’ll surrender the Aam Aadmi Bima Yojana programme so as to receive the advantages of a January Dhan account.
  • In addition to the aforesaid, you’re mechanically dominated ineligible if you fail to fulfill the scheme’s qualifying needs.

List of banks with jan Dhan account benefits

Government banks for PM Jan Dhan Yojana

  • State Bank of Republic of India
  • Bank of Baroda
  • Bank of Republic of India
  • Allahabad Bank
  • Central Bank of Republic of India
  • Punjab commercial bank
  • Bhartiya Mahila Bank
  • Punjab and Sindh Bank
  • Canara Bank
  • Bank of geographic region
  • Corporation Bank
  • Indian Bank
  • Union Bank of Republic of India
  • Andhra Bank
  • IDBI Bank
  • Syndicate Bank

Private banks for PM Jan Dhan Yojana

  • HDFC Bank
  • YES Bank
  • Karnataka Bank
  • Kotak Mahindra Bank
  • Axis Bank
  • Dhanlaxmi Bank
  • Federal Bank
  • Induslnd Bank
  • ING Vyasa Bank

Documents needed to open a jan Dhan yojna account

the work required to begin a Gregorian calendar month Dhan account, When applying for this theme, you want to give specific documentation to prove your eligibility. These square measure them:

Address proof – you want to give proof of your address during this class, like your passport or Aadhar card. you’ll be able to apply for associate degree Aadhar Card if you do not have already got one, and solely then can you be qualified for this programme. If the bank you approach classifies you as a low-risk candidate for twelve months even if you lack address proof, you will still apply. you’ll be able to apply for permanent advantages throughout now and supply your Aadhaar as proof of residency.

Additional reading: on-line Aadhar Card Application.

Two passport-size images square measure needed as identification, however


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FAQs connected Pradhan Mantri jan  Dhan Yojana

Q.1. Wherever is Pradhan Mantri jan Dhan Yojana account can be opened?

Ans. PMJDY account can be opened in any bank or business correspondents kiosks.

Q.2. Are PMJDY account same as BSBD account?

Ans. PMJDY accounts square measure BSBD accounts in nature with extra facility of Rupay revolving credit with accident sum and over draft facility .


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