Pradhan Mantri Jan Dhan Yojana
PMJDY expands access to basic banking through accounts, debit cards and links to eligible financial services.
Check the official source before applying. Details can change; the official notice is the final authority.
- Scope
- Central
- Scheme category
- Not stated in official notice
- Application opens
- Not stated in official notice
- Application closes
- Not stated in official notice
About the scheme
A national financial-inclusion programme helps households enter formal banking. Eligible customers can open basic savings accounts, receive a RuPay debit card and access direct benefit transfers. Conditional overdraft and linked insurance or pension are subject to account use, eligibility and separate scheme rules.
PMJDY eligibility, zero-balance bank account, RuPay card and direct benefit transfer banking are core financial-inclusion searches.
Eligibility
Individuals without a basic account may apply, subject to KYC; minors and simplified accounts follow special rules.
Benefits
Basic account access, debit card and DBT; conditional overdraft and linked benefits depend on current rules.
Documents required
Bank-accepted identity and address proof, photographs and KYC details.
How to apply
Apply at a bank branch or eligible banking outlet, complete KYC and request the account features.