The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a flagship financial inclusion scheme launched by Prime Minister Narendra Modi on 15th August 2014. The main objective of this scheme is to ensure that every Indian citizen, especially those from weaker economic sections, gets access to banking facilities, zero balance accounts, insurance, and other financial services.
Under this scheme, any citizen of India can easily open a Jan Dhan Bank Account in public sector banks, private banks, or through Business Correspondents (Bank Mitras).
In this guide, we will explain:
✅ How to open a PM Jan Dhan account online and offline
✅ Required documents for Jan Dhan Yojana account
✅ Benefits & features of the scheme
📌 Key Highlights of Pradhan Mantri Jan Dhan Yojana (PMJDY)
| Particulars | Details |
|---|---|
| Scheme Name | Pradhan Mantri Jan Dhan Yojana (PMJDY) |
| Launched By | PM Narendra Modi |
| Launch Date | 15 August 2014 |
| Objective | Provide zero balance account facilities to citizens |
| Beneficiaries | All Indian citizens (especially weaker sections) |
| Application Mode | Online & Offline |
| Benefits | Free bank account, debit card, overdraft facility, insurance cover |
📑 Documents Required for PM Jan Dhan Yojana Account
To open a Jan Dhan account, you need the following documents:
- Aadhaar Card (mandatory for verification)
- PAN Card
- Any one valid ID proof – Voter ID, Passport, Driving License
- NREGA Job Card (if other IDs are not available, must be verified by a govt. officer)
- Mobile Number
- Two recent passport-size photographs
🖥 How to Open PM Jan Dhan Account Online?
Follow these steps to apply for a Jan Dhan account online:
Step 1: Visit the Official Website
Go to the official PMJDY portal using your mobile, laptop, or computer.
Step 2: Download Application Form
- On the homepage, select the “e-Documents” option.
- Download the PMJDY Account Opening Form (available in Hindi & English).
Step 3: Fill in the Application Form
- Enter all required details such as name, address, date of birth, occupation, income, and family details.
- Paste your passport-size photo on the form.
Step 4: Attach Required Documents
- Attach photocopies of your Aadhaar, PAN, and other ID proofs.
Step 5: Submit to Bank
- Submit the filled application form along with documents at your nearest bank branch.
- After verification, your Jan Dhan bank account will be activated.
🏦 How to Open Jan Dhan Account Offline (2025)?
If you prefer the offline process, follow these steps:
- Visit your nearest bank branch with all required documents.
- Collect the PMJDY Account Opening Form from the bank.
- Fill in the form in Hindi or English (as per your preference).
- Attach all necessary documents and photographs.
- Sign wherever required and submit the form to the bank staff.
- Once verified, your zero balance Jan Dhan account will be opened.
⭐ Benefits & Features of PM Jan Dhan Yojana
Opening a Jan Dhan account offers several benefits:
- ✅ Zero Balance Account – No need to maintain any minimum balance.
- ✅ Free RuPay Debit Card – Provided to every account holder.
- ✅ Accidental Insurance Cover – ₹2,00,000 for accounts opened after 28.08.2018.
- ✅ Overdraft Facility – Up to ₹10,000 available (after 6 months of satisfactory operation).
- ✅ Life Insurance Cover – ₹30,000 in case of the account holder’s death.
- ✅ Direct Benefit Transfer (DBT) – Government subsidies and welfare scheme benefits are directly credited to Jan Dhan accounts.
- ✅ Monthly Interest on Deposits – Earn interest on your balance amount.
✅ Final Words
The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a revolutionary step towards financial inclusion in India. With this scheme, every citizen can open a zero-balance savings account and enjoy benefits like insurance cover, RuPay debit card, overdraft facility, and direct subsidy transfer.
👉 Whether you apply online by downloading the form or offline by visiting the nearest bank branch, the process is simple and hassle-free.
So, if you don’t already have a bank account under PMJDY, apply today and secure the financial benefits provided by the Government of India.