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

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

सक्रिय योजना

शेवटचे अपडेट: 2026-01-18. अर्ज करण्यापूर्वी नेहमी अधिकृत पोर्टलवर खात्री करा.

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.

💰 फायदे

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.

✅ कोण अर्ज करू शकते?

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

📝 अर्ज कसा करावा?

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.

अधिकृत वेबसाइट

अर्ज करण्यासाठी किंवा स्थिती तपासण्यासाठी सरकारी पोर्टलला भेट द्या.

अधिकृत पोर्टलवर जा

💰 फायदे

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.

✅ कोण अर्ज करू शकते?

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

📝 अर्ज कसा करावा?

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.

अधिकृत वेबसाइट

अर्ज करण्यासाठी किंवा स्थिती तपासण्यासाठी सरकारी पोर्टलला भेट द्या.

अधिकृत पोर्टलवर जा

Agriculture Scientist

Leh Ladakh - Land of High Passes

Rishikesh - Yoga Capital

Ladakh - Land of High Passes

Spiti Valley - Cold Desert

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]

सक्रिय योजना

💰 फायदे

✅ कोण अर्ज करू शकते?

📝 अर्ज कसा करावा?

अधिकृत वेबसाइट

संबंधित प्रश्न 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]

सक्रिय योजना

💰 फायदे

✅ कोण अर्ज करू शकते?

📝 अर्ज कसा करावा?

अधिकृत वेबसाइट

संबंधित प्रश्न 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?