Pradhan Mantri Jan Dhan Yojana 2026: Get Up To ₹10,000 Overdraft Benefit
- Scheme Name: Pradhan Mantri Jan Dhan Yojana (PMJDY)
- Department: Government of India
- Application Mode: Offline
- Minimum Balance Requirement: Zero Balance Account
- Official Website: pmjdy.gov.in
- Overdraft Facility: Up to ₹10,000/-
- Accident Insurance Cover: Up to ₹2 Lakhs (For accounts opened after 28 Aug 2018)
- Debit Card Provided: Free RuPay Debit Card
- Direct Benefit Transfer: Subsidies directly in Account (DBT)
- Interlinked Schemes: PMJJBY, PMSBY & APY Integration
- Aavedak Bharat ka mool nivasi hona chahiye.
- Age Limit: Minimum age 10 years honi chahiye (Minors 10 to 18 years can open account managed by parents/guardians).
- Jin logo ke paas pehle se koi bank account nahi hai, unhe Pralamikta (Priority) di jayegi.
- Pehle se account hone par bhi apni suvidhanusar Jan Dhan account khol sakte hain.
- Aadhaar Card: Identity and Address Proof ke liye.
- PAN Card: Financial validation ke liye.
- Passport Size Photograph: 2 Recent Photos.
- Application Form: Properly filled Account Opening Form.
- Mobile Number: Bank account se link karne ke liye.
| Overdraft Limit | Accident Insurance |
|---|---|
| ₹10,000/- | ₹2,000,000/- (2 Lakh) |
| Bank Category | Eligible Bank Names | Account Type |
|---|---|---|
| Public Sector Banks | State Bank of India (SBI), Punjab National Bank (PNB), Bank of Baroda, Canara Bank, Union Bank of India, Indian Bank, Central Bank of India, etc. | Zero Balance (BSBD) |
| Private Sector Banks | HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, YES Bank, Federal Bank, etc. | Zero Balance (BSBD) |
- Sabse pehle apni pasand ki kisi bhi nikatatam Bank Branch (Public ya Private sector bank) me jayein.
- Bank employee se Pradhan Mantri Jan Dhan Yojana (PMJDY) Account Opening Form prapt karein.
- Form me maangi gayi saari jaankari sahi-sahi aur dhyanpurvak bharein.
- Apne zaroori documents (Aadhaar Card, PAN Card, Photo) ki self-attested copies attach karein.
- Form aur documents ko Related bank branch me submit kar dein.
- Bank dawara documents verification ke baad aapka Jan Dhan Khata khol diya jayega.
- Khata khulne ke baad aap bank se Passbook aur RuPay Debit Card prapt kar sakte hain.
| Application Form (Hindi) | Click Here |
| Application Form (English) | Click Here |
| PMJDY Official Website | Click Here |
| Our Homepage | Click Here |
| Age Calculator | Click Here |
| Our Sharda Tool | Click Here |
| Join Whatsapp Channel | Click Here |
| Join Telegram | Click Here |
| Join Youtube | Click Here |
| Join Instagram | Click Here |
Q1. PM Jan Dhan Khata kholne ke liye kitne paise dene hote hain?
PM Jan Dhan Khata bilkul muft (Zero Balance) me khola jata hai. Isme koi bhi minimum balance maintaining charge nahi lagta hai.
Q2. Overdraft facility ki ₹10,000 ki rashi kaise milti hai?
₹10,000 ki overdraft facility seedhe muft me milne wali rashi nahi hai. Khata sahi tarike se chalane aur bank ke niyamo/patrata ke adhar par credit limit ke roop me milti hai.
Q3. Kya 18 saal se kam umar ke log Jan Dhan khata khol sakte hain?
Haan, 10 saal ya usse adhik umar ke minors (naabalig) bhi apne parents/guardians ki dekh-rekh me Jan Dhan khata khol sakte hain.
Q4. Jan Dhan khate par accident insurance kitna milta hai?
28 August 2018 ke baad khole gaye Jan Dhan khata dharako ko RuPay card par ₹2 Lakh tak ka accident insurance cover milta hai.
Q5. Jan Dhan Khata kholne ke liye kon-kon se bank eligible hain?
Aap kisi bhi Public Sector Bank (jaise SBI, PNB, BOB) ya Private Sector Bank (jaise HDFC, ICICI, Axis Bank) ki branch me jaakar Jan Dhan khata khulwa sakte hain.
