PM Jan Dhan Yojana List [PMJDY 2023] Beneficiary Status, Application Apply

PMJDY List 2023: Pradhan Mantri Jan Dhan Yojana (PMJDY) is an initiative of the Indian Government (प्रधानमंत्री जन धन योजना) for the comprehensive financial inclusion for the people of India with special focus on those who are excluded from the benefits and facilities of the banking sector. In this article, we have shared PM Jan Dhan yojana’s application and benefits.

PM Jan Dhan Yojana List 2023

Once you open this account then you are automatically entitled to accidental insurance and overdraft facility and will also get the benefit of the schemes launched by the Indian government (like PMGKY) time to time under the PMJDY 2023, you do need to be worried about the minimum balance in PMJDY account because it can be open with zero balance. प्रधानमंत्री जन धन योजना

PM Jan Dhan Yojana List

PMJDY 2023

Our Hon’ble Prime Minister launched this PMJDY way back on August 15, 2014, which is a national mission for financial inclusion. Under this mission, our PM is trying to cover all the households of our country with banking facilities and he wants that, every citizen should have an account so that they can be brought under the banking mainstream.

Now, most of you don’t know about the term financial inclusion… no need to be worried we will clear your thoughts…

Financial Inclusion is nothing it is just a provision to provide banking services to every common man at an affordable cost, especially to the ones who came from the disadvantaged section of our society.

Benefits of PM Jan Dhan Yojana Account

Below we have given some benefits which are entitled to every applicant:

  • They will get interested in their deposit.
  • Eligible for the accidental insurance cover of Rs 2 Lakh
  • No minimum balance is required for the account holders.
  • It will also cover the benefit of 30,000 life cover which will be payable on the death of the account holder but only if he/she fulfils the eligibility condition.
  • You can transfer money easily across India.
  • If they are entitled for government schemes then the amount will be credited into their account.
  • Once you operate the account successfully for six months then you are eligible for an overdraft facility of Rs 10,000 earlier it was 5000.
  • Can be accessible to pension and insurance products
  • Overdraft facility of up to Rs. Ten thousand will be given to only one account per household and preference given to the lady households.

Pradhan Mantri Jan Dhan Yojana Features

When PM launched this mission of PMJDY then he was looking to provide affordable services of banking services to all citizens within a reasonable distance. It comprises 6 pillars which are given as:

Accessible to banking facilities

With this, they are trying to map each district into the SSA which means Sub service areas under which at least one to two thousand households will be covered within a range of 5 km.

Basic banking facility

They aimed for at least one bank account in every unbanked household, so that it may increase the culture of banking habits in every household and convince them to save their hard-earned money in a bank account.

Financial literacy program

To educate them about financial literacy so that, they can operate the ATM card and get to know its benefits.


Once you open the account and operate it satisfactorily for the next six months then you are eligible for the hassle-free credit facility of Rs 5000 and for that bank will not ask you for any kind of security, purpose or use of credit.

Micro Insurance Facility

With this all the BSBD (basic saving bank deposit) account holders are eligible for micro-insurance and for that there are two insurance scheme

PM Jeevan Bima Yojana (PMJBY)

Under this beneficiary will get a life insurance cover of Rs 2 lakhs and for that, they had to pay only Rs 330/- per year

PM Suraksha Bima Yojana (PMSBY)

This insurance scheme will give you accidental cover of Rs 2 lakh and for that, you have to pay only Rs 12/- per year.

RuPay debit card

Once you open the account then you will get the Rupay Card (ATM card) which also covers the accidental insurance of Rs 2 lakh only.

Also Check: Atal Pension Yojana

Number of Accounts Opened in PMJDY

Below we have given the number of accounts opened in rural and urban areas and the amount deposited by them and the Rupay card issued (data as of 2 March 2022)

Bank typeIn ruralUrban metroRural FemaleAmount deposit in croreRupay card issued
Public Sector bank22.0613.2519.48123859.8026.97
Regional Rural bank7.151.064.7532248.463.39
Private sector bank0.700.590.714731.621.10

Who can Apply for PMJDY?

Now you all must want to know who can open this PMJDY account, then you all must be happy to know that any individual can apply for this Account and there is no restriction on age and…

you can open the account at any nearest bank branch or CSP outlet with the help of a bank mitr.

But, in case you already possess a savings bank account then you have to close it within 30 days of the opening of a basic saving bank deposit account.

Documents Required for PMJDY

When you are going to apply for PMJDY at your nearest bank branch, then you all must carry some valid documents with you which we have listed below:

  • Photo identification proof: – the one who wants to open the account need to carry anyone photo identification proof (Voter ID, Aadhaar Card, Driving license, etc.)
  • Ration card
  • PAN Card
  • Address proof: – (need to submit your current and permanent address proof it could be an electricity/water/phone/gas connection bill)
  • Aadhaar card
  • Passport size photo (at least 3)
  • Driving license
  • Voter ID
  • Job card: – issued by the NREGA and it must be duly signed by an officer of the state government.

How to apply for PM Jan Dhan Yojana?

For the PMJDY account opening you need to submit a dully-filled account form which you can download in Hindi and English from the link given on this page and submit it to any nearest bank and…

If you do not how to fill out the form then don’t worry you just visit the nearest bank and the bank Mitra will help you with this.

Don’t forget to carry all the list of documents which we mentioned above.

Download form (Hindi)

Download form (English)

PMJDY Toll-free numbers

National Toll free numbers: 1800-180-1111/ 1800-11-0001

For state wise toll free number: Click here

Check Out story of PMJDY in comical way

Frequently Asked Questions

प्रधानमंत्री जन धन योजना खाता कौन खुला सकता है ?

कोई भी व्यकित जिसकी आयु 10 वर्ष या उससे अधिक हो। 

क्या PMJDY के तहत जॉइंट खाता खोल सकते है?

जी हाँ  आप जॉइंट खता खोल सकते है।

Is there any limit of minimum balance in this account?

No, there is no minimum account balance required under this PMJDY account.

मै PMJDY योजना का अकाउंट कोनसे बैंक मै खुलवा सकता हूँ?

आप PMJDY स्कीम के तहत किसी भी नज़दीकी बैंक की शाखा मै जाकर अपना अकाउंट खुलवा सकते है

मेरे पास पहले से एक सेविंग अकाउंट है तो क्या मै PMJDY खाता खुलवा सकता हूँ?

जी हाँ आप खाता खुलवा सकते है मगर आपको पहले वाला खाता 30 दिनों के अंदर बंद करवाना होगा .

What is the BSBD account?

A Basic Saving Bank Deposit (BSBD) account is a savings bank account that offers minimum facilities, free of charge facilities to the account holder and with this, you will get a basic Rupay card.

Is PMJDY and BSBD accounts the same?

They are similar but the PMJDY comes with some additional facilities of Rupay Debit card having accidental insurance cover.

What are the documents required to open the account?

For opening the PMJDY account you need to submit requisite KYC documents which are Address proof, voter Id, Aadhaar card, Ration card, photograph, PAN card driving license, etc.

If I do not have any KYC documents then am I eligible for the PMJDY account?

Yes, in that case, small accounts can be opened with limited facilities.

What is the limitation of a small account?

Under this, your annual credit should not exceed 1 lakh and you cannot withdraw or transfer more than 10,000 in a month the balance in the account should not exceed the limit of 50,000.

Is this account comes with any debit card facility?

Yes, when you open the account then you will get the Rupay Card.

What are the benefits of this Rupay card?

This Rupay card comes with an accidental insurance cover of up to Rs 2 lakh but for that, you need to use your debit every 45 days.

Will the illiterate people also get the facility of a Rupay card?

Yes, but the bank will provide them with every detail of it so that no one misuses it

What is this overdraft facility and who will get the benefit of this?

If you operate your account successfully for the next six months, then you can opt for the facility of overdraft in which the bank will give you a certain amount and for that, you do not need to submit any proof or guarantee.

Will the overdraft facility be given to more than one account in one household?

No, the overdraft will be given only to one account at a time in every household and the preference will be given to the female account holder of the family member.

Is there any interest that will be charged by the bank for an overdraft facility?

Yes, the bank will charge a 3% interest rate per year.

Under this PMJDY Account am I able to avail the facility of subsidies of various schemes launched by the government of India


What is the official website of PMJDY?

If you have any queries regarding the PMJDY then feel free to ask us in the comment section below we will answer your query. list, jan dhan yojana benefits, प्रधानमंत्री जन धन योजना खाता कैसे खुलवाए Dekhe yaha.

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