New Delhi. Under the Pradhan Mantri Jan Dhan Yojana- PMJDY, people have been given the facility to open Jan Dhan Account in the bank. This is one of the most ambitious financial programs launched by the government. Under this scheme, the poorest of the poor can open their bank account. In which many different financial benefits are available. So let’s know about these benefits…
1.30 lakh profit
In the account opened under the Pradhan Mantri Jan Dhan Yojana, a total benefit of Rs 1.30 lakh is given to the account holder. Accident insurance is also given in this. The account holder is given accident insurance of Rs 1,00,000 along with general insurance of Rs 30,000. In such a situation, if the account holder has an accident, then Rs 30,000 is given. If the account holder dies in this accident, then one lakh rupees are given, that is, a total benefit of Rs 1.30 lakh is available.
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Pradhan Mantri Jan-Dhan Yojana (PMJDY) is the most ambitious financial program that ensures access to banking/savings and deposit accounts, remittances, loans, insurance, pension. This account can be opened at any bank branch or Business Correspondent (Bank Mitra) outlet. PMJDY accounts are being opened with zero balance.
How to open account?
Under the Pradhan Mantri Jan Dhan Yojana, the account is opened more in public sector banks. But, if you want, you can also open your Jan Dhan account in a private bank. If you have any other savings account then you can also convert it to Jan Dhan account. Any citizen residing in India, whose age is 10 years or more, can open a Jan Dhan account.
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These documents are needed
Verification of documents is necessary under KYC to open Jan Dhan account. Jan Dhan account can be opened using these documents. Aadhar Card, Pan Card, Driving License, Voter ID Card, Passport, MNREGA Job Card.
These benefits will be available in Jan Dhan account
1. No hassle of maintaining minimum balance in the account.
2. Interest will continue to be received as much as the savings account.
3. The facility of mobile banking will also be free.
4. Accident insurance cover up to Rs 2 lakh for each user.
5. Overdraft facility up to Rs.10 thousand.
6. RuPay card is available for cash withdrawal and shopping.