Pradhan Mantri Jan Dhan Yojana 2023

 What is and how to open online and check the helpline number of Jan Dhan Yojana benefits, features, necessary documents. Jan Dhan Yojana was announced by the Prime Minister of our country Shri Narendra Modi on 15 August 2014 and this scheme has been started on 28 August 2014. Under Jan Dhan Yojana, accounts will be opened in the bank of poor people of the country, at zero balance in the post office and nationalized banks. Accounts linked with Aadhaar card will be provided with an overdraft facility of Rs 5000 after 6 months and an inbuilt accident insurance cover of Rs 1 lakh in RuPay Debit Card and RuPay Kisan Card.

Pradhan Mantri Jan Dhan Yojana 2023


Pradhan Mantri Jan Dhan Yojana 2023

Under this scheme, poor people of all rural and urban areas of the country will be benefitted. Under this scheme, if an eligible beneficiary dies due to opening of account due to any reason, then an additional insurance cover of Rs. 30,000 will be provided by the central government to the beneficiary's family. provide an additional insurance cover of Rs 30,000 to the beneficiary's family.) Pradhanmantri Jan Dhan Yojana 2023 is also called Jan Dhan Account. Poor people can easily open their account under this scheme. They will neither have to pay any money nor will they face any problem in opening an account. Through this scheme, the people of the country will get financial services easily.

Pradhan Mantri Jan Dhan Yojana 2023 Highlights

Scheme NamePradhan Mantri Jan Dhan Yojana
initiated byBy Prime Minister Shri Narendra Modi
launch date15 August 2014
Beneficiarycitizens of the country

More than 42 crore 55 lakh Jan Dhan accounts

As you all know Pradhanmantri Jan Dhan Yojana has been started by the Prime Minister of our country and Narendra Modi. The scheme was launched on 15 August 2014. Through this scheme, a target has been set to open a bank account for every citizen of the country. So that the citizens of the country can take advantage of all the banking facilities. The main objective of this scheme is to have at least one bank account in every family of the country. Through the Pradhan Mantri Jan Dhan Yojana, bank accounts are now being opened for every person in the country. Till June, more than 42 crore 55 lakh Jan Dhan accounts have been opened in the country.

Pradhanmantri Jan Dhan Yojana Life Insurance Cover

As you all know, Pradhan Mantri Jan Dhan Yojana was started to open the account of all the citizens of the country. Through this scheme, the facility of opening zero balance account is provided to the beneficiary. Along with this, they are also provided with RuPay Debit Card. Many other facilities are also provided to the beneficiaries under this scheme. For example, if the beneficiary meets with an accident, then in this situation a cover of ₹ 100000 and if the beneficiary dies, then in that case financial assistance of ₹ 30000 to the beneficiary's family. The beneficiary can avail the benefit of life cover only if he has opened his account for the first time under Pradhan Mantri Jan Dhan Yojana between 15 August 2014 to 26 January 2015.

Pradhan Mantri Jan Dhan Yojana New Update

As you all know, Pradhanmantri Jan Dhan Yojana was started to connect every citizen of the country with banking facilities. Many citizens of the country have got benefits under this scheme. Now new calling facility is being made available under Pradhan Mantri Jan Dhan Yojana. Through this calling facility, the account holders can get any type of information related to the account. This calling facility will be toll free and separate numbers will be made available for all the states of the country. Now Khata Dhara can solve any problem by contacting this toll free number sitting at home. They will not need to go round the banks. This will save both time and money and bring transparency in the system.

Some special features of Pradhanmantri Jan Dhan Yojana

Jan Dhan Yojana was started by the Prime Minister of our country, Shri Narendra Modi in the year 2015. Zero balance accounts were opened under this scheme. So far, more than 1.20 crore accounts have been opened under Pradhan Mantri Jan Dhan Yojana. In which Rs 1,31,639 crore is deposited. Through this scheme, the target has been set by the government to connect every citizen of the country. ₹500 per month was sent by the government to Jan Dhan accounts of women during the Covid-19 lockdown. More than 20 crore women had got benefits under this scheme. Accounts opened by the government under Jan Dhan Yojana are used to avail the benefits of any government scheme. Some of the special features of Jan Dhan Yojana are as follows.

  • Beneficiary's savings account is opened under Jan Dhan Yojana .
  • There is no need to maintain any minimum balance in the account opened under this scheme.
  • Interest is also provided by the bank on the accounts opened under Pradhan Mantri Jan Dhan Yojana.
  • Under this scheme, a debit card is given to the beneficiary.
  • Accidental insurance cover of ₹ 200000 is also provided under Pradhan Mantri Jan Dhan Yojana. But you can avail this facility only if you have used a debit card.
  • Life insurance cover of ₹ 30000 is also provided under this plan.
  • Overdraft facility of ₹ 10000 is also available on Pradhan Mantri Jan Dhan account, but to avail this facility, it is mandatory for the beneficiary's account to be linked to Aadhaar.
  • This account is also used by the government to transfer direct benefits for any scheme.

Objective of Pradhan Mantri Jan Dhan Yojana 2023

As you know that there are many people who are not able to open their bank account and are not aware of the banking facilities provided by the bank. This Prime Minister Jan Dhan is a very good initiative of the Central Government for the poor families. Under the plan 2023, providing the facility of opening bank account on zero balance to the economically poor people of the country, backward class people and providing facility of getting loan based, transfer facility, insurance and pension facility. Through Pradhanmantri Jan Dhan Yojana 2023, financial services like banking/savings, deposit account, remittance, loan, insurance, pension etc. have to be effectively made accessible to all.

Pradhan Mantri Jan Dhan Yojana Game Changer

  • Many poor people of the country have benefited through this scheme. PM Modi further wrote, 'Due to Pradhan Mantri Jan Dhan Yojana, the future of crores of families has been secured, in which most of the people are from rural areas and are women. who worked for this project.
  • So far, more than 40.35 crore accounts have been opened under Pradhan Mantri Jan Dhan Yojana 2023 , in which Rs 1.31 lakh crore has been deposited.
  • Out of the total accounts opened under this scheme, 63.6 per cent have been opened in rural areas and 55.2 per cent of the account holders are women.
  • Now there is facility of getting debit card in Jan Dhan accounts.

How many accounts have been opened so far in Jan Dhan Yojana

So far more than 40 crore bank accounts have been opened under this scheme. According to the figures so far, the number of beneficiaries under this scheme has reached 40.05 crore and an amount of more than Rs 1.30 lakh crore has been deposited in these bank accounts. Seeing the success of this scheme, the government has increased the accident insurance cover of Rs 1 lakh to Rs 2 lakh for the account holders under this scheme.

Funds sent in Jan Dhan Yojana

Due to the lock down in the country, an amount of Rs. 500 is being transferred to the Jan Dhan account of women belonging to poor families. Under this scheme, Rs 1.20 lakh crore was deposited in the accounts of poor women of the country till April 1, 2020. But now according to official figures, the deposits in accounts opened under Pradhan Mantri Jan Dhan Yojana increased to Rs 1.28 lakh crore in the week ending April 8, 2020As on April 8, Rs 1,27,748.43 crore were deposited in the accounts of 38.12 crore women. Rs 9,930 crore has been transferred to the accounts of 9.86 crore women Jan Dhan account holders under the Pradhan Mantri Garib Kalyan Yojana launched by the central government.

Number of accounts opened in PMJDY _

We have given below the number of accounts opened in a rural and urban area and the amount deposited by them and RuPay cards issued (as on 25 March 2020). Read the complete information given below in detail.

type of bankin ruralurban metrorural womenAmount deposited in croresRuPay Card issued
public sector bank16.4614.0516.1193919.97  24.57
Regional Rural Bank5.471.093.7221331.803.59
private sector bank0.700.560.673182.641.15

Factors of Pradhan Mantri Jan Dhan Yojana

The PMJDY scheme consists of 6 pillars which are as follows.

  • Accessible to Banking Facilities – With this, they are trying to put each district in SSA which means sub service area under which at least one to two thousand households will be covered within 5 km radius.
  • Basic Banking Facility – He targeted at least one bank account in every unbanked household, so that it can inculcate the culture of banking habits in every household and convince them to save their hard earned money in a bank account.
  • Financial Literacy Program – To educate them about financial literacy, so that they can operate ATM card and know its benefits.
  • Micro Credit – Once you have opened the account and operated it satisfactorily for the next six months, you are eligible for a credit facility of Rs.5000 and against this the bank will ask you for any type of security, purpose or use of the credit Will not ask for.
  • Micro Insurance Facility – With this all BSBD (Basic Savings Bank Deposit) account holders are eligible for micro insurance and there are two insurance schemes for the same.
  • Pradhan Mantri Jeevan Bima Yojana (PMJBY) – Under this, the beneficiary will get a life insurance cover of Rs 2 lakh and for this he will have to pay only a premium of Rs 330 per year
  • Pradhan Mantri Suraksha Bima Yojana (PMSBY) – Pradhan Mantri Suraksha Bima Yojana will give you an accidental cover of Rs 2 lakh and for this you will have to pay only a premium of Rs 12 per year.
  • RuPay Debit Card – Once you open the account you will get RuPay Card (ATM Card) which includes Accidental Insurance of Rs 2 lakh only.

Benefits of Pradhanmantri Jan Dhan Yojana 2023

  • Any citizen of the country can open his account in banks under this scheme and a small child up to 10 years of age can also open an account under this scheme.
  • Accident insurance up to Rs 1 lakh will also be covered on account opening under this PM Jan Dhan Yojana 2023 .
  • Under the Pradhan Mantri Jan Dhan Yojana, life insurance of Rs 30,000 will be payable to the beneficiary on his death on reimbursement of normal conditions.
  • Under PMJDY 2023 , interested beneficiaries can take a loan of up to Rs 10,000 without any paper magazine to the account holders on opening a Jan Dhan account in any bank.
  • Beneficiaries of government schemes will get the benefits directly in these accounts.
  • Overdraft facility of Rs.5000/- will be provided in one account of each family, especially women account.
  • Pradhan Mantri Jan-Dhan Yojana (PMJDY) is the National Mission for Financial Inclusion to ensure access to financial services like banking, savings/deposit accounts, remittance, credit, insurance, pension in an affordable manner.
  • The account can be opened at any bank branch or Business Correspondent (Bank Mitra) outlet.
  • Accounts opened under PMJDY are being opened with zero balance.
  • However, if the account holder wants to get a check book, he/she has to fulfill the minimum balance criteria.
  • So far 38.22 crore beneficiaries have deposited money in the banks and till now Rs 117,015.50 crore is deposited in the bank account of the beneficiaries.

Eligibility to get life insurance cover

  • The account should be opened by the applicant for the first time in the bank.
  • This account has been opened between January 15, 2014 to January 26, 2015 under Pradhan Mantri Jan Dhan Yojana.
  • The benefits of this scheme can be availed by the applicant only when he is the head of the family or an earning member of the family and his age is between 18 to 59 years.
  • Central or state government employees cannot take advantage of this scheme.
  • Retired central or state government employees also cannot avail the benefits of this scheme.
  • Even tax paying citizens cannot take advantage of this scheme.

Documents of Jan Dhan Scheme PM 2023

  • Applicant's Aadhaar Card / Identity Card / Driving License / PAN Card
  • mobile number
  • passport size photo
  • address proof

How to apply in Pradhan Mantri Jan Dhan Yojana 2023?

The interested beneficiaries of the country who want to open their account under this Pradhan Mantri Jan Dhan Yojana 2023 , then they have to go to their nearest bank. After going to the bank, you will get the application form for opening Jan Dhan account from there. After taking the application form, you will have to fill all the information asked in the application form. After filling all the information, you will have to attach all your necessary documents with the application form and submit the filled application form to the bank's official. Money account will be opened.

How to check Jan Dhan account bank balance ?

As you all know that the outbreak of Corona virus is increasing in the country, due to which people are again facing a lot of problems. Due to this epidemic, the citizens of the country are not able to go out of the house, so the government is providing many facilities to the citizens of the country. Some people want to check the balance of their Jan Dhan account , they are also unable to go to the bank. To overcome this problem, the bank has now simplified the method of checking the bank balance. Now people will not need to go anywhere, now they can sit at home. Only you can check the balance of Jan Dhan account. You can check Jan Dhan account balance in 2 ways. Which we have given below.

through the portal _

  • First of all, you have to go to the official website of PFMS. After visiting the official website, the home page will open in front of you.
  • On this home page you will see the option of Know Your Payment . You have to click on this option. After clicking on the option, the next page will open in front of you.
  • On this page you have to fill your Bank Name, Account Number. Here you have to enter the account number twice. After filling the account number, you have to fill the Captcha Code.
  • And then you have to click on Send OTP On Registered Mobile Number. After this OTP will come on your mobile number, then you can check your bank balance by entering OTP.

via missed call _

  • If you do not want to check Jan Dhan account balance through the portal, then you can also check your bank balance through missed call.
  • If your Jan Dhan account is in State Bank of India, then you can give a missed call on 8004253800 or 1800112211.
  • But you have to make missed call from the same mobile number which is registered in your bank account.

Jan Dhan Yojana Bank Login Process

  • First of all you have to go to the official website of Pradhan Mantri Jan Dhan Yojana .
  • Now the home page will open in front of you.
  • On the home page, you have to click on the tab of Right To us.
  • Now you have to click on the link for bank login .
  • Now a new page will open in front of you in which you will have to enter user-id and password.
  • After this you have to click on the button of Sign in.
  • This way you will be able to login.

Jan Dhan Yojana Account Opening Form Download Process

  • First of all you have to go to the official website of Pradhan Mantri Jan Dhan Yojana .
  • Now the home page will open in front of you.
  • On the home page, you have to go to the section of the e-document.
  • After this, you have to click on the option of Account Opening Form – Hindi or Account Opening Form – English as per your requirement.
  • As soon as you click on this option, the account opening form will open in front of you.
  • Now you have to click on the download option.
  • In this way you will be able to download your account opening form.

List of Nodal Officer of DFS for SLBC

  • First of all you have to go to the official website of Jan Dhan Yojana .
  • Now the home page will open in front of you.
  • After this you have to click on the option of List of Nodal Officer of DSF for SLBC .
  • Now a new page will open in front of you.
  • You can see related information on the space.

Pradhanmantri Jan Dhan Yojana Life Cover Claim Form Download Process

  • First of all you have to go to the official website of Jan Dhan Yojana .
  • Now the home page will open in front of you.
  • On the home page, you have to click on the option of insurance cover under PMJDY .
  • After this you have to click on the option of claim form .
  • As soon as you click on this option, the form will open in front of you.
  • Now you have to click on the download option.
  • In this way you will be able to download the life cover claim form.

Jan Dhan Yojana SLBC Login Process

  • First of all go to the official website of Jan Dhan Yojana . The home page will open in front of you.
  • On the home page, you have to click on the right to us tab.
  • After this you have to click on the link for SLBC login .
  • Now you have to click on the link of Go to Login .
  • After this, a new page will open in front of you, in which you will have to enter the user name and password.
  • Now you have to click on the login button.
  • This way you will be able to login.

User Feedback Process

  • First of all you have to go to the official website of Jan Dhan Yojana .
  • Now the home page will open in front of you.
  • On the home page, you have to click on the right to us tab.
  • Now you have to click on the link of user feedback .
  • After this the feedback form will open in front of you. In which the asked information such as type, related to, bank, district, applicant name, details, etc. will have to be entered.
  • Now you have to click on the save button.
  • This way you will be able to give feedback.

Process to View Feedback Status

  • First of all, you go to the official website of Pradhan Mantri Jan Dhan Yojana . The home page will open in front of you.
  • On the home page, you have to click on the right to us tab.
  • After this you have to click on the link of user feedback .
  • Now you have to click on the link for Status Enquiry.
  • After this you have to enter the reference number and captcha code.
  • Now you have to click on the search button.
  • Feedback status will be on your computer screen.

Process to View Progress Report

  • First of all you have to go to the official website of Pradhan Mantri Jan Dhan Yojana .
  • Now the homepage will open in front of you.
  • On the home page, you have to click on the link for Progress Report .
  • As soon as you click on this link, there will be a progress report in front of you.
  • You can see the number of beneficiaries in it.

Process to download contact list

  • First of all you have to go to the official website of Pradhan Mantri Jan Dhan Yojana.
  • Now the homepage will open in front of you.
  • On the home page, you have to click on the link of Contact us .
  • As soon as you click on this link, you will have a contact list in front of you.
  • You can see this link contact details.

Nodal Agency Address

Pradhanmantri Jandhan Yojana,

Department of financial services,

Ministry of finance,

Room number 106,

2nd floor, jeevandeep building,

Parliament Street,

New Delhi-110001

Contact Information

Through this article, we have provided you all the important information related to Pradhan Mantri Jan Dhan Yojana . If you are still facing any kind of problem then you can solve your problem by contacting on National Toll Free Number. National toll free number is 1800110001, 18001801111.

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