Pradhan Mantri Jan Dhan Yojana Account – Benefits / Rules / Form at

Updated: By: 30 Comments - Leave a Comment Ministry: Ministry of FinanceBeneficiaries: BPL / Poor Families,

PM Jan Dhan Yojana is a national mission of the central government for financial inclusion of poor people. Under this scheme, all the people from economically weaker sections can open zero balance Jan Dhan Yojana Account in banks (savings & deposits account). This account will provide them various yojana benefits directly into their account like remittance, credit, insurance and pension. For this, candidates can see yojana rules and download pradhan mantri jan dhan yojana form at

People can easily open jan dhan account in any bank branch or with business correspondent (bank mitr). If any person does not possess the officially valid documents then he can open small account subject to the jan dhan yojana rules. Moreover, people can also avail jan dhan yojana loan through any bank.

People can avail all the jan dhan yojana benefits through pdf download of the application form and opening an account. In these accounts, there is also a facility of Rupay Card, Kisan Credit Card (if eligible) and an overdraft (after 6 months of account opening and successful operation).

Pradhan Mantri Jan Dhan Yojana Form – Account Opening

All the interested individuals who wishes to open their personal savings account can download this application form. PM Jan Dhan Yojna Form must be dully filled and submitted along with necessary documents. In case the officially valid documents are not present, then poor people can open their small account. To download the application form in pdf format, click the link given below:-
PM Jan Dhan Yojana Form (PDF) – English
PM Jan Dhan Yojana Form (PDF) – Hindi

    • Accordingly, Pradhan Mantri Jan Dhan Yojana Account Opening Form will appear as follows:-
Jan Dhan Yojana Form
Jan Dhan Yojana Form
  • Fill in all the necessary details along with the nominee details. People can avail nomination facility at the time of account opening.
  • Finally, candidates can submit this form along with necessary documents to open their zero balance account.

Jan Dhan Yojana Loan Apply – People can apply for Loan in SBI / ICICI / HDFC / Axis and other nationalized banks through the link – Jan Dhan Yojana Loan

List of Documents to Open Jan Dhan Yojana Account

All the documents given below are officially valid documents. Candidates can submit any one of these documents along with their recent photographs and filled application form to open PMJDY Account.
Documents for Opening Jan Dhan Yojana Account

Any One of the Following Documents For Account Opening
PassportDriving Licence (DL)
Permanent Account Number (PAN)Aadhaar Card or Letter from UIDAI containing Name, Aadhar Number and Address
MNREGA Job Card with signature of state govt. officerVoter Id Card
Any other document notified by central govt. in consultation with regulator.

To verify a person’s identity, identity card issued by state / central govt. departments, statutory or regulatory authorities, PSUs, Scheduled Commercial Banks, Public Financial Institutions and Letter Issued by Gazetted Officer can be treated as valid documents.

Jan Dhan Yojana Rules

Jan Dhan Yojana Account can be opened with 0 balance. But to avail facilities like cheque book, people have to maintain minimum balance. As per RBI notification, all the people who does not possess officially valid documents can open “Small Accounts” with banks. For this, poor people needs to provide self attested photograph along with his signature / thumb impression in the presence of bank officials.

Central Government Schemes 2020केंद्र सरकारी योजना हिन्दीPopular Schemes in Central:Narendra Modi Schemes ListNREGA Job Card Listसरकारी योजनाओं की सूची हिंदी में

People must follow Jan Dhan Yojana Rules for Small Account which are as follows:-

  1. People cannot deposit more than 1 lakh rupees in their account in a single year.
  2. The maximum amount that can be withdrawan from a jan dhan account is Rs. 10,000 per month.
  3. Maximum balance in Jan Dhan Accounts can never be more than Rs. 50,000 at a single point of time.
  4. Such account remain valid for 1 year or 12 months. These accounts will get continued for another 1 year in case the account holder submits a document as a proof that he has already applied for officially valid document within the first 1 year of opening small account.

Jan Dhan Yojana Benefits

There are certain special benefits under PMJDY Scheme which are as follows:-

  • Jan Dhan Yojana Account provides Interest on Deposits.
  • People will also get an accidental insurance cover of Rs. 1 Lakh.
  • Initial deposit and Maintaining balance is zero in this account.
  • All the account holders will get life cover of Rs. 30,000 payable at death of beneficiary.
  • This yojana account provides facility of easy transfer of money across the country.
  • People will get benefits of various government schemes directly through Direct Benefit Transfer (DBT) in this account.
  • All the candidates who have successfully operated their account for 6 months will become eligible for Overdraft facility up to Rs. 5000.
  • People will get access to pension and other insurance products.


— In case of further query, please call National Toll Free Number: 1800-11-0001 or 1800-180-1111.
— For more details on Pradhan Mantri Jan Dhan Yojana, please visit the official website

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30 thoughts on “Pradhan Mantri Jan Dhan Yojana Account – Benefits / Rules / Form at”

  1. dear, sir
    me padna chahata hu but mere pass pese ni h or meri family ki bhi bahut karab haalt h please sir meri help kro please ni mujhe apni jaan bhi deni pd sakti h aap hi sahara ho agr apne bhi meri help ni ki tho pata ni me kya kr lu

  2. Sar hme kisi bhi yojana ka labh nhi mil rha h
    Me kidney transplant hu meri wife bhi bimar rhti h mere 3 ladki or 1 ladka h mera rasancard bhi chalu nhi h please help kre

  3. pls tell me why the account holder cannot deposit the amount directly into the bank neither he/she can withdraw any amount directly from the bank. Is there any rules for that because the sbi (mundka branch) bank refuses to do so.I have to do it online or any similar way .it is so frustating. pls reply,Thanking you.


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