PMJDY - how to apply online

Pradhan Mantri Jan Dhan Yojana (PMJDY) is a scheme launched by the government of India with an aim to provide financial and monetary benefits to each and every family/individual of the country. The PMJDY was launched by the Hon’ble Prime Minister in August 2014. The purpose of this scheme was to connect every citizen or family to mainstream banking services so that every family or citizen can not only take advantage of the bank facility but also the various financial subsidies passed by the government can be transferred to the account of the direct recipient without any middleman.

The Pradhan Mantri Jan Dhan Yojna (PMJDY) Account is a Basic Savings Bank Deposit Account (BSBDA) with no minimum balance. In this account, the account holder is given a RuPay debit card and this covers accidental life insurance of Rs. 2 lacs of the head of the family. This account comes with an overdraft facility up to Rs. 10,000 only for one member per family.

If you want to open an account under Pradhan Mantri Jan Dhan Yojana (PMJDY) and if you do not know how? then in this post, you will get to know the eligibility of the account holder, the procedure to open this account (Both offline and online), required essential documents, and the features of this PMJDY account.

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Jan Dhan Yojana Eligibility

Any Indian citizen who does not have any bank account and if his/her age is more than 10 years then he/she is eligible to open the Pradhan Mantri Jan Dhan Account.

The primary document which is required for opening the account is the proof of identity. There is a list of documents which can be submitted as identity proof while opening the account. Even in case of unavailability of any proof of identity, the Jan Dhan Yojana account can still be opened by background checking of the applicant by the bank.

List of the bank to open Jan Dhan Yojana account

If you do not know how to open a Jan Dhan Yojana account and which bank opens the account under this scheme, then we have given a list of banks both government and private in which you can open your Jan Dhan Yojana account.

All Government Bank List of Prime Minister Jan Dhan Khata –

– State Bank of India (SBI)
– Bank of India (BoI)
– Allahabad Bank
– Punjab National Bank (PNB)
– Bank of Baroda (BoB)
– Vijaya Bank
– State Bank of Hyderabad,
– IDBI Bank
– Canara Bank
– Corporation Bank
– Andhra Bank
– State Bank of Mysore, State Bank of Patiala,
– Dena Bank
– Syndicate Bank
– State Bank of Bikaner and Jaipur,
– Punjab and Sind Bank, Bank
– Central Bank of India
– Oriental Bank of Commerce (OBC)
– Bank of Maharashtra
– State Bank of Travancore
– Indian Bank
– Union Bank of India

All private bank list of Prime Minister Jan Dhan Khata –

– Axis Bank Limited
– Dhanalakshmi Bank Limited
– ING Vysya Bank Limited
– ICICI Bank Limited
– Kotak Mahindra Bank Limited
– HDFC Bank Limited
– IndusInd Bank Limited
– Karnataka Bank Limited
– Federal Bank Limited
– Yes Bank Limited

Documents required to open the account under Jan Dhan Yojana

To open a Jan Dhan Yojana account, you have to submit any one of the following identity proof along with the filled account opening form. Your document is used for bank KYC (Know Your Customer)

– Aadhaar Card
– Voter ID Card
– PAN Card
– Driving License
– Passport
– Job Card issued by NREGA
– ID Card issued by Central or State Government Departments Public Sector Undertakings

Even if you do not have any of the above-mentioned documents, you can still open a Jan Dhan Yojana account without any document. The bank has to check your background to open the account under Jan Dhan Yojana without any document. This is a long process to be done by the bank.

You can also open your Jan Dhan Yojana account from a letter written for you by a gazetted officer that has your photo on it.

Download Jan Dhan Yojana Account Opening Form

To open the Pradhan Mantri Jan Dhan Yojana account, you have to fill the account opening form which is available on the official website of the PMJDY and on the bank’s website or branch. You can also download this form from the link given below.

Download the Prime Minister Jan Dhan Yojana account opening form –Download

In this form you have to fill your basic information such as name, address, Aadhaar number, PAN, what is your business, how much is your annual income, how many members are there in your family, if someone already has a bank account, then their details will have to be filled. After filling this form you have to submit it to the bank in which you want to open the account along with the required documents as mentioned above, after which your Jan Dhan account will be opened in few days.

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