Pradhan Mantri Jan Dhan Yojana (PMJDY) Facts, Features & Review

The Pradhan Mantri Jan Dhan Yojana (PMJDY) will be launched on Today 28th August 2014 by Prime Minister Shri Narendra Modi Ji. At same time 44 minister of Indian Government will launch this scheme at various places across India. This Yojana was announced on August 15, 2014 from the ramparts of Red Fort by Prime Minister.

What is the Pradhan Mantri Jan Dhan Yojana

The Pradhan Mantri Jan Dhan Yojana is an ambitious financial scheme of Indian Government to provide a bank account and insurance cover every household. It is at the core of Prime Minister philosophy of 'Sabka Saath, Sabka Vikas'. This scheme is an improvement over the UPA's financial inclusion programme. Government aim to open minimum of 2 account in every family through this scheme.


Pradhan Mantri Jan Dhan Yojana (PMJDY) Facts

1) The accounts will be open by all private and public sector banks.
2) This scheme is an improvement over the UPA's financial inclusion programme.

The Pradhan Mantri Jan Dhan Yojana

The Pradhan Mantri Jan Dhan Yojana (PMJDY) Features

Person who will open a bank account under the Jan Dhan Yojana will get the following facilities:
  • A new bank account and Debit Card which will be issue under the RuPay Scheme.
  • Will get upto Rs. 1 Lakh accidental insurance cover for his entire family.
  • Account holder will get upto Rs. 5000 over draft facility after 6 month of opening account if he/ she linked Aadhar Card to the bank.
  • There are no need to maintain minimum balance if account opened through Pradhan Mantri Jan Dhan Yojana.
  • Facility to get money through Direct Benefits Transfer (DBT).
  • Safety of money with interest.
  • Facility to transfer money across the nation.

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