PM Jan Dhan Yojana is a financial benefit scheme which is launched by Narendra Modi government in 2014. The slogan for this scheme is “Mera Khata, Bhagya Vidhata”. It is a financial inclusion scheme. By this scheme the poor rural people will get better financial benefits by availing different services. In India there are million of people who have no bank accounts. They are far behind from the banking facilities. This Jan Dhan Yojana can help poor people across India. PM Jan Dhan Yojana Account details and benefits are given below.
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In rural area there are millions of people who have no bank accounts. They save their daily earnings either at home or near local landlords. Also they can not get banking financial services. Jan Dhan yojana typically aimed to help such people by opening a Jan Dhan Yojana account.
Jan Dhan Yojana aims to provide many financial benefits like bank accounts, remittances, credit options, insurance and pension schemes.
The main aim of Jan Dhan Yoajan is to reduce poverty by providing financial benefits. For the development of the nation it is very necessary to empower citizens financially. So that everyone in Indian can taste the benefit of growth and development.
This scheme is a Prime minister’s people’s wealth scheme program. And this scheme is under Department of financial services, Ministry of finance government of India.
A Guinness Book of world record was established by opening around 15 million bank accounts in a day. The most bank accounts opened in a day due to a campaign.
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The main aim of Jan Dhan scheme is to provide financial benefits to the rural poor. Jan Dhan Yojana benefits are given below;
Under this scheme any person can open a Jan Dhan Acoount with minimum documents. If a person having no valid documents then special provision should be made to open an account. No one can lag from opening of account.
Jan dhan Account can be opened with a minimum balance that may be zero. If any person wants a cheque book then he may keep a minimum balance. The interest is provided on the basis of amount deposited in the savings account.
After opening of account a debit card is to be provided to the person. The card can be used to withdraw money across all ATMs of India. Insurance for Accident covers for 1lakh with this Rupay debit card. This insurance sum increased to 2 Lakhs opening account after the date of 28.08.2018.
The members who opened their bank jan dhan accounts before 26th January 2015 get an insurance cover of Rs. 30,000. It may require some terms and conditions to fulfil.
The person after opening of bank accounts can avail a overdraft facility of Rs. 5000 . Jan dhan Account must be six month older for overdraft facility. This scheme will provide a loan of Rs. 5000 aimed to provide financial help to poor people.
A simplest mobile banking facility will be provided to the person for smooth banking transactions. So that people can use simple phones for transferring funds easily from their accounts.
The jan dhan account holders are eligible for different banking services. Like Direct Benefit Transfer, PMJJBY, PMSBY, APY, MUDRA schemes.
To open a Jan Dhan account, some minimum documents are required these are given below;
Open a bank account as far as possible to get more financial benefits provided under Jan Dhan Yoajan account.
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