Pradhan Mantri Jan-Dhan Yojana (PMJDY) 2021 Download Form

 Pradhan Mantri Jan-Dhan Yojana (PMJDY) 2021 Download Form

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a National Investment Policy to ensure access to financial services, namely, Bank / Savings & Deposit Accounts, Remittances, Debt, Insurance, Pensionable Payment.

An account can be opened at any bank branch or Business Correspondent (Bank Mitr). Accounts opened under PMJDY are opened with zero balance. However, if the account holder wishes to receive a check book, he or she will need to meet the minimum balance requirements.

A document is required to open an account under Pradhan Mantri Jan-Dhan Yojana

The account can be opened by submitting an official document.


1 passport,

2 driver's license,

3 Permanent Account Number (PAN) Card,

4 Voter ID issued by the Indian Electoral Commission

5 work cards issued by NREGA duly signed by a national government official

6 a letter issued by the Unique Identification Authority of India containing details of the name, address and number of Aadhaar, or

7 any other document as notified by the Central Government in consultation with the Regulator

8 Provided that when simple steps are taken to verify the identity of the customer the following documents will be regarded as official documents:

9 Identity Cards with a photograph of the applicant issued by Central / Regional Government Departments, Legal / Regulatory Authorities, Public Sector Agreements, Organized Commercial Banks, and Government Financial Institutions;

10 letter issued by a Gazette official, with a duly proven personal photo.

The Reserve Bank of India (RBI), with Press Release dated 26.08.2014, also clarified that those people who do not have ‘official documents’ can open “Small Accounts” in banks. The "Small Account" can be opened on the basis of a photo proven himself and put his signature or thumb in front of bank officials. Such accounts have limits on the combined credits (not more than one Rupees lakh per year), withdrawals (or ten thousand Rupees per month) and balance on accounts (not more than Rs 50,000 at any one time.). These accounts will normally be active for a period of twelve months. Thereafter, such accounts will be allowed to continue for a period longer than twelve months, provided that the account holder provides a document indicating that you have applied for any Official Document, within 12 months of opening the sub-account.

Special Benefits under the PMJDY Scheme

Interest on deposit.

Risk insurance of Rs. 2 lakh

No small balance required.

The plan provides life cover of Rs. 30,000 / - payable on the death of the beneficiary, subject to the fulfillment of the eligibility condition.

Easy Money Transfers throughout India

Beneficiaries of Government Schemes will receive a Direct Benefit Transfer from these accounts.

After a satisfactory performance of account for 6 months, the overdraft facility will be approved for Retirement Access, insurance products.

A claim under the PMJDY Personal Risk Insurance will be paid if the Rupay card holder performs one successful financial or non-financial transaction in any of the Bank Branch, Bank Mitra, ATM, POS, E-COM etc. Both Intra and Inter-bank channels namely to us (Bank Client / Rupay card holder working on the same Bank channels) and without us (Bank Client / Rupay Card Holder working on other Bank Channels) within 90 days before the date of the accident including the date of the accident will be included as a valid transaction under the Rupay Insurance scheme 2019-2020.

The overdraft facility is up to Rs. 10,000 / - is available in only one account per household, preferably a housewife.

Important Link

Account Opening Form English

Account Opening Form Hindi

38.57 Crore bank beneficiaries to date

₹ 135,883.95 Crore balance in

beneficiary accounts

1.26 lakh Bank Mitras delivers non-branch banking services to Sub-Service Areas

“Pradhan Mantri Jan-Dhan Yojana (PMJDY)” under the National Mission for Financial Inclusion was first launched for a period of 4 years (in two phases) on 28 August 2014. It aims to reach globally banking institutions with at least one banking basis. whole household account, financial information, access to credit, insurance and pension.

PMJDY provided the three-pronged public safety program “Pradhan Mantri Jan-Dhan Yojana (PMJDY)” under the National Investment Mission launched for the first time for a period of 4 years (in two phases) on 28 August 2014. worldwide access to banking institutions at least with one basic home bank account, financial information, access to credit, insurance and pensions.

PMJDY provided the platform for three public safety programs namely. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY) and Pradhan Mantri Mudra Yojana (PMMY).

The government has decided to extend the full PMJDY program beyond 28.8.2018 with a change in focus on opening accounts from “every household” to “every adult”, with the following changes:

(i) Existing Draft Limit (OD) of Rs. 5,000 revised to Rs. 10,000.

(ii) No conditions attached to active PMJDY accounts using OD up to Rs. 2,000.

(iii) The age limit of available OD center has been reviewed from 18-60 years to 18-65 years.

(iv) Error card holder for new RuPay card holders increased from Rs.1 lakh existing to Rs. 2 lakh for new PMJDY accounts opened after 28.8.2018 .. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY) and Pradhan Mantri Mudra Yojana ( PMMY).

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