Pradhan Mantri Jan Dhan Yojana
✓ Information verified — April 2026Pradhan Mantri Jan Dhan Yojana is a national financial inclusion program launched by the Ministry of Finance on August 28, 2014. It aims to provide basic banking services to every adult citizen who does not have a bank account. The scheme helps unbanked people open bank accounts and access financial services like savings, loans, and insurance.
What You Get
- Open a basic savings bank account with zero minimum balance
- Get a RuPay debit card for withdrawals and purchases
- Access to overdraft facility (small loan) after 6 months of good account usage
- Life insurance cover of ₹30,000 on the debit card holder
- Accident insurance cover of ₹1,00,000
- Eligibility for government benefits and subsidies through direct bank transfer
- Mobile banking and online transaction facilities
Who Can Apply
- Age: 0–100 years
- Any Indian citizen aged 18 years or above
- Must not have an existing bank account
- No income limit or educational qualification required
- Available to all—farmers, laborers, self-employed, homemakers, and others
- Can open account at any bank branch or through banking correspondents
Documents Needed
0/6 collected
- 1. Aadhaar Card
- 2. Voter ID Card
- 3. Passport
- 4. Driving License
- 5. Ration Card
- 6. Mobile Number
How to Apply
- 1Check your eligibility criteria above
- 2Gather all required documents listed below
- 3Visit the official portal (linked below)
- 4Fill the application form online / offline
- 5Submit the form and note your application reference number
- 6Track status on the official portal or visit nearest CSC
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Quick Facts
- Scheme Level
- Central Government
- Ministry
- Ministry Of Finance
- Category
- Financial
- Target Gender
- All genders
- Age Group
- 0–100 years
- Launched
- 28 Aug 2014
- Application
- Check portal
- Last Updated
- 26 Apr 2026
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