(PMJDY)) Pradhan Mantri Jan-Dhan Yojana 2025 : Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, a basic savings & deposit accounts, remittance, credit,  insurance, pension in an affordable manner. Under the scheme, a basic savings bank deposit (BSBD) account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet, by persons not having any other account.

Pradhan Mantri Jan-Dhan Yojana 2025 : Overview

•  Name of the Scheme : Pradhan Mantri Jan Dhan Yojana
• Where to take profit : Avail benefits all over India
• Application Process : Offline
• Article type : Government scheme
• Payment Process : Online
• Name of Department : Ministry of Finance
• Benefits Amount : An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available
• Official Website : pmjdy.gov.in

Achievements under Pradhan Mantri Jan-Dhan Yojana 2025

• Approx. 32.41 crore Jan Dhan accounts have been opened with more than Rs 81,200 crore of deposit balance.

• 53% women Jan Dhan account holders and 59% Jan Dhan accounts are in rural and semi urban areas. More than 83% operative Jan Dhan accounts (except states of Assam, Meghalaya, J&K) are Aadhaar seeded, with issuance of approx 24.4 crore RuPay cards to these account holders.

• More than 7.5 crore Jan Dhan accounts receiving DBTS.

• Banking Correspondents (BCs) have been deployed in 1.26 lakh Sub Service Areas (rural areas), each catering to 1000-1500 households. Nearly 13.16 crore Aadhar Enabled Payment System (AePS)  transactions have taken place through BCs during the month of July, 2018.

• 13.98 crore subscribers under Pradhan Mantri Suraksha  Bima Yojana (PMSBY) with 19,436 claims, involving an amount of Rs. 388.72 crore settled so far.

• Similarly, 5.47 crore subscribers under Pradhan Mantri Jeevan Jyoti  Bima Yojana (PMJJBY) with 1.10 lakh claims, involving an amount of Rs. 2206.28 crore settled so far.

• 1.11 crore persons have subscribed for Atal Pension Yojana (APY).

Benefits of Pradhan Mantri Jan-Dhan Yojana 2025

• One basic savings bank account is opened for unbanked person.

• There is no requirement to maintain any minimum balance in PMJDY accounts.

• Interest is earned on the deposit in PMJDY accounts.

• Rupay Debit card is provided to PMJDY account holder.

• Accident  Insurance Cover of Rs.1 lakh (enhanced to Rs. 2 lakh to new PMJDY accounts opened after 28.8.2018) is available with RuPay card issued to the PMJDY account holders.

• An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available.

• PMJDY accounts are eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti  Bima Yojana (PMJJBY), Pradhan Mantri Suraksha  Bima Yojana (PMSBY), Atal Pension Yojana (APY), Micro Units Development & Refinance Agency Bank (MUDRA) scheme.

Documents Required

Pradhan Mantri Jan-Dhan Yojana 2025 requirement of document list below.

If Aadhaar card then no other document is required.

  • If Aadhaar Card is not available then Government approved document like Election Card, Pan Card, Election Card, Driving License, Passport, NREGA Card.

  • If an applicant does not have any of the above documents.. they are included in the “low risk” category by the bank. Who can open a bank account by presenting the following proofs.

(a) Applicant’s Photo Identity Card issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks and Public Financial Institutions;

(b) Letter issued by a Gazetted Officer with a duly attested photograph of the said person.

Important Links

• Official Website : Click Here
• Download Application Form in English : Click Here
• Download Application Form in Hindi : Click Here