Jan Dhan Yojana
Pradhan Mantri Jan Dhan yojana 
I remember the day when I first opened my bank account. It was in a government bank and no one was paying any sort of attention. And apart frothat I had to maintain a minimum balance of Rs. 10,000 all the time. Maybe this was a sort of problem which the common people faced for pening their accounts in the banks. And I think the government addressed this situation correctly by implementing one of its type Nationalised Scheme. So that no person would at any time be without a bank account.

This policy came out to be known as the Pradhan Mantri Jan Dhan Yojana or PMJDY which was launched by Prime Minister, Narendra Modi. It is targeted towards people who don't have any access to financial services. 

This scheme provides several benefits listed below:

  1. There will be no limited amount required to open a bank account.
  2. Account holder will be provided with free accidental insurance of ₹1,00,000.
  3. The holders can take a load of upto ₹ 5,000 from the bank.
  4. A new integrated payment mechanism in the form of RuPay Debit card will be provided.


  1. This scheme got itself in the Guinness Book of World Records.
  2. Within three years, more than 30crore accounts were opened.
  3. The accounts showed a massive deposits of ₹ 7,500 Crores.

If you don't have a bank account and want to open a account under PMJDY. Below is the procedure of opening a bank account under the scheme:

How to apply for Pradhan Mantri Jan Dhan Yojana (PMJDY)?

  1. The Pradhan Mantri Jan Dhan Yojana form  is to be filled and submitted to the bank where you want to open your account.
    Link for form (Hindi): https://www.pmjdy.gov.in/files/forms/account-opening/hindi.pdf
    Link for form (English): https://www.pmjdy.gov.in/files/forms/account-opening/English.pdf
  2. Each participating bank will have dedicated desk having a Bank Mitr who will help you with the form submission and account opening procedure in order to obtain Pradhan Mantri Jan Dhan Yojana Account.
  3. The account opening form needs to be submitted along with certain ID proofs like identity and address proofs. However, applicants with a valid Aadhar number will not be required to submit any extra proofs. Also, two passport sized photographs needs to be furnished to the bank at the time of account opening.
  4. Once the documents are submitted, account will be opened in a few working days and the applicant will be given a passbook, a cheque book, a RuPay Debit card and in some cases a Jan Dhan Yojana Information kit by the bank.

Thanks for reading. This article was bought to you by Hamari Yojana, an initiative by a Economics student and a CA student. Stay tuned for more articles like this.
If you have any query, drop a comment down below.

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