You get interest on deposits in this account. Apart from this, free mobile banking facility is also provided with the account. If you have a Jan Dhan account, you can withdraw an additional Rs 10,000 from your account through overdraft. But this facility is available only after proper maintenance of Jan Dhan account for few months.
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To convert any old savings bank account into Jan Dhan account, follow these steps-
step 1: First of all go to the bank branch.
Step 2: Fill a form there and apply for RuPay card against your account.
Step 3: After filling the form submit it to the bank.
Step 4: After this your account will be converted into Jan Dhan account.
There is no tension to keep minimum balance
There is no need to maintain minimum balance in the accounts opened under PMJDY. However, if you want the facility of checkbook, then you have to maintain a minimum balance.
Get many special benefits
>> Accidental insurance cover up to Rs 2 lakh is available.
>> Life cover up to Rs.30,000, which is available on death of the beneficiary subject to fulfillment of eligibility conditions.
>> RuPay Debit Card is given to the Jan Dhan account opener from which he can withdraw money from the account or make purchases.
>> It is easy to buy insurance, pension products through Jan Dhan account.
>> Earns interest on deposits. Apart from this, free mobile banking facility is also provided with the account.
>> The direct money of the benefits of government schemes comes into the account.
>> There is facility of transfer of money across the country.
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These necessary documents will be needed
According to the PMJDY website, you can get Jan Dhan account opened through documents like passport, driving license, PAN card number, voter ID card issued by the Election Commission, MGNREGA job card signed by a state government official.
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