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🇮🇳 Digital Dwara•Your Gateway to Government Information
प्रधानमंत्री जन-धन योजना (पीएमजेडीवाई)
Zero Balance Account + ₹2 Lakh Accident Cover + ₹10,000 Overdraft
Unbanked Indian citizens aged 10 years and above
central
online
2014
CENTRAL-GOV
National Mission for Financial Inclusion ensuring universal access to banking services with zero-balance basic savings bank deposit (BSBD) accounts, free RuPay debit card, and ₹2 Lakh accident insurance.
National Mission for Financial Inclusion ensuring universal access to banking services with zero-balance basic savings bank deposit (BSBD) accounts, free RuPay debit card, and ₹2 Lakh accident insurance.
Zero minimum balance savings account, free RuPay debit card with ₹2 Lakh accidental insurance, and ₹10,000 overdraft facility.
Beneficiaries must satisfy all statutory criteria prescribed by the Ministry.
Keep original documents and verified copies ready before starting your application to prevent verification delays.
Step-by-step guidance for completing your application on the official portal.
Visit any commercial bank branch, Bank Mitra, or Customer Service Point (CSP)
Fill PMJDY account opening form
Receive account passbook and RuPay debit card
Essential questions answered regarding scheme benefits, DBT, and eligibility conditions.
Explore allied welfare programs in Pension & Social Security.
High-yield small deposit scheme for girl children below 10 years offering 8.2% sovereign interest and 100% tax exemption under Section 80C.
Guaranteed pension scheme for unorganised sector workers offering a fixed minimum monthly pension of ₹1,000 to ₹5,000 after attaining 60 years of age.
Provides collateral-free institutional business loans up to ₹20 Lakh to non-corporate micro and small enterprises.