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Pradhan Mantri Jan Dhan Yojana (PMJDY) is a National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner.

How to open a PMJDY Account

Account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet. Accounts opened under PMJDY are being opened with Zero balance. If the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria.


  • Customer can avail Saving Interest on deposit in PMJDY account
  • Accounts Open without initial deposit
  • Accidental insurance cover of Rs. 2 lac
  • No minimum balance required.
  • Easy Transfer of money across India
  • Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.
  • After satisfactory operation of the account for 6 months, an overdraft facility will be permitted
  • Access to Pension, insurance products.

The Claim under Personal Accidental Insurance under PMJDY shall be payable if the Rupay Card holder have performed minimum one successful financial or non-financial customer induced transaction at any Bank Branch, Bank Mitra, ATM, POS, E-COM etc. Channel both Intra and Inter-bank i.e. on-us (Bank Customer/rupay card holder transacting at same Bank channels) and off-us (Bank Customer/Rupay card holder transacting at other Bank Channels) within 90 days prior to date of accident including accident date will be included as eligible transactions under the Rupay Insurance Program 2016-2017.

Overdraft facility upto Rs. 10,000/- is available in only one account per household, preferably lady of the household.

Document required to open an account under Pradhan Mantri Jan-Dhan Yojana

An account can be opened by presenting officially valid documents:

  1. The Passport
  2. The Driving licence
  3. The Permanent Account Number (PAN) Card
  4. The Voter’s Identity Card issued by Election Commission of India
  5. Job card issued by NREGA duly signed by an officer of the State Government
  6. The letter issued by the Unique Identification Authority of India containing details of name, address and Aadhaar number
  7. Any other document as notified by the Central Government in consultation with the Regulator:
  8. Provided that where simplified measures are applied for verifying the identity of the clients the following documents shall be deemed to be officially valid documents:
    • Identity card with applicant's Photograph issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks, and Public Financial Institutions;
    • Letter issued by a Gazetted officer, with a duly attested photograph of the person.