PM Jan Dhan Yojana

अंतिम अपडेट: 03/07/2026

प्रधानमंत्री जन धन योजना

BenefitZero-balance account + benefits

Who is eligibleAny citizen without a bank account

Ministry / Dept.Dept. of Financial Services

Last dateOpen / ongoing

What is the scheme?

PM Jan Dhan Yojana is a financial-inclusion scheme — zero-balance account, RuPay card and insurance.

Key Benefits

Zero-balance savings account
RuPay debit card
Up to ₹2 lakh accident insurance
Up to ₹10,000 overdraft

Eligibility (Who can apply?)

Any citizen without an account
Minors 10+ too (with guardian)

Documents Required

Aadhaar / valid ID proof

How to Apply

Visit a bank/Bank Mitra
Fill the form
Give KYC & open the account

Apply on the official portal →

Frequently Asked Questions

Minimum balance?No.

Insurance?With the RuPay card.

Overdraft?Up to ₹10,000.

Stay alert — avoid fraud: Genuine government schemes are always free or officially subsidised. Never pay an agent, never download APKs from unknown links, and never share your bank/OTP details. Apply only through official .gov.in portals.