Pradhan Mantri Jan Dhan Yojana (PMJDY)

Central GovtCategory: Financial AssistanceMinistry: Ministry of Finance

National financial inclusion mission. Includes overdraft up to Rs. 10,000, Rs. 2 lakh accident insurance, Rs. 30,000 life insurance.

Eligibility criteria

  • 10+

How to apply

Application mode: offline

  1. Visit any bank with Aadhaar — Form available
  2. Fill PMJDY account opening form — Form submitted
  3. Receive RuPay debit card and passbook — Account active

Required documents

Required

  • Aadhaar Card — 12-digit UIDAI identification (Original or photocopy)
  • Passport-Size Photograph — Recent photograph (JPEG/PNG)

Official source: https://pmjdy.gov.in/#jan-dhan

Last verified: 23 June 2026

Your eligibility

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Compatibility with other schemes

Compatible schemes

You can claim this scheme alongside the following schemes.

  • Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) — PMJJBY requires a savings account; Jan Dhan provides one for free
  • Pradhan Mantri Suraksha Bima Yojana (PMSBY) — PMSBY requires a savings account; Jan Dhan provides one for free
  • Atal Pension Yojana (APY) — APY requires a savings account for auto-debit; Jan Dhan accounts qualify