📖 Scheme Overview & Key Details
Pradhan Mantri Jan Dhan Yojana (PMJDY) is India's flagship financial inclusion mission, providing universal access to banking services. Every unbanked adult can open a Basic Savings Bank Deposit (BSBD) account with zero minimum balance requirements. Account holders receive a free RuPay debit card with built-in ₹2 Lakh accidental insurance cover, access to direct benefit transfers (DBT) for all government subsidies, and eligibility for an overdraft (OD) facility up to ₹10,000 after 6 months of satisfactory account operation.
✅ Who Can Apply – Eligibility Criteria
•Any Indian citizen aged 10 years and above
•Individual who does not hold an existing basic savings bank account
📄 Required Documents – What You Need
📋 How to Apply – Step‑by‑Step Process
Step 1: Visit any public sector bank branch, regional rural bank, or authorized Bank Mitra location.
Step 2: Fill out the PMJDY account opening form with basic personal and contact details.
Step 3: Submit identity and address proof documents alongside photos.
Step 4: Receive your instant bank passbook and RuPay debit card upon account activation.
📞 Help & Support – Official Contacts
Helpline / Support Office
1800110001 / pmjdy.dofs@gov.in