Pradhan Mantri Jan Dhan Yojana (PMJDY) [Zero Balance Account] 2026 - Eligibility & Benefits

Pradhan Mantri Jan Dhan Yojana (PMJDY) [Zero Balance Account]

Active Scheme

Last updated: 2026-01-18. Always verify on the official portal before applying.

A national mission to provide a bank account to every Indian. You can open a Zero Balance Savings Account with no minimum balance requirement. It comes with a free RuPay Debit Card, accident insurance, and an overdraft facility of ₹10,000.

💰 Benefits

Zero Balance: No penalty for zero balance.
Free Insurance: Accident cover of ₹2 Lakh with RuPay card (for accounts opened after Aug 2018).
Overdraft: Get a loan of up to ₹10,000 for emergencies.
Direct Benefits: Easy receipt of government subsidies (DBT).
Mobile Banking: Access to UPI and digital payments.

✅ Who Can Apply?

Any Indian citizen who does not have a bank account.
Minors above 10 years of age.
Citizens with valid KYC documents (Aadhaar/PAN).

📝 How to Apply?

1Step 1: Visit any Bank branch or Bank Mitra (CSP).
2Step 2: Ask for the PMJDY Account Opening Form.
3Step 3: Fill details and submit KYC (Aadhaar/PAN).
4Step 4: Get your Passbook and RuPay Debit Card immediately.
5Step 5: Link your mobile number for transaction alerts.

Official Website

Visit the government portal to apply or check status.

Go to Official Portal

Questions About Pradhan Mantri Jan Dhan Yojana (PMJDY) [Zero Balance Account]

Pradhan Mantri Jan Dhan Yojana (PMJDY) [Zero Balance Account]

Active Scheme

Last updated: 2026-01-18. Always verify on the official portal before applying.

💰 Benefits

Zero Balance: No penalty for zero balance.
Free Insurance: Accident cover of ₹2 Lakh with RuPay card (for accounts opened after Aug 2018).
Overdraft: Get a loan of up to ₹10,000 for emergencies.
Direct Benefits: Easy receipt of government subsidies (DBT).
Mobile Banking: Access to UPI and digital payments.

✅ Who Can Apply?

Any Indian citizen who does not have a bank account.
Minors above 10 years of age.
Citizens with valid KYC documents (Aadhaar/PAN).

📝 How to Apply?

1Step 1: Visit any Bank branch or Bank Mitra (CSP).
2Step 2: Ask for the PMJDY Account Opening Form.
3Step 3: Fill details and submit KYC (Aadhaar/PAN).
4Step 4: Get your Passbook and RuPay Debit Card immediately.
5Step 5: Link your mobile number for transaction alerts.

Official Website

Visit the government portal to apply or check status.

Go to Official Portal

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Leh Ladakh - Land of High Passes

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Ladakh - Land of High Passes

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Agriculture Scientist

Leh Ladakh - Land of High Passes

Rishikesh - Yoga Capital

Ladakh - Land of High Passes

Spiti Valley - Cold Desert

Pradhan Mantri Jan Dhan Yojana (PMJDY) [Zero Balance Account]

Active Scheme

💰 Benefits

✅ Who Can Apply?

📝 How to Apply?

Official Website

Questions About Pradhan Mantri Jan Dhan Yojana (PMJDY) [Zero Balance Account]

Do I need to keep money in my Jan Dhan account?

How to get the ₹10,000 overdraft in Pradhan Mantri Jan Dhan Yojana?

Does Jan Dhan account give free insurance?

Can I convert my existing savings account to Jan Dhan?

Can a minor open a Jan Dhan account?

Pradhan Mantri Jan Dhan Yojana (PMJDY) [Zero Balance Account]

Active Scheme

💰 Benefits

✅ Who Can Apply?

📝 How to Apply?

Official Website

Questions About Pradhan Mantri Jan Dhan Yojana (PMJDY) [Zero Balance Account]

Do I need to keep money in my Jan Dhan account?

How to get the ₹10,000 overdraft in Pradhan Mantri Jan Dhan Yojana?

Does Jan Dhan account give free insurance?

Can I convert my existing savings account to Jan Dhan?

Can a minor open a Jan Dhan account?