Pradhan Mantri Jan Dhan Yojana (PMJDY)

Pradhan Mantri Jan Dhan Yojana (PMJDY) is a nationwide scheme launched by Indian government in August 2014. In this scheme financial inclusion of every individual who does not have a bank account is to be achieved.

The scheme will ensure financial access to everyone who was not able to get benefits of many other finance related government schemes. These financial services include Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension which will be made available to all the citizens in easy and affordable mode.

According to the data issued by finance ministry, till September 2014 around 40 million (4 crores) bank accounts have been opened under the Pradhan Mantri Jan Dhan Yojana since the scheme launched.

However there was another financial scheme (Swabhimaan) launched earlier in which the target of opening the bank accounts was for villages only. But in Pradhan Mantri Jan Dhan Yojna the entire individuals irrespective of their area (rural or urban) can get a bank account without depositing any amount if they fulfill other eligibility criteria. This scheme is very beneficial for the rural population where banking services and other financial institution are rarely available.

Under the Jan Dhan Yojna anyone who is India citizen above age of 10 years and does not have a bank account, can open the account with zero balance. Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet, specially designed for the purpose of opening the accounts under this scheme. The scheme also provides facility of accidental insurance cover up to rupees one lac without any charge for the account holder.

The account holders under the jan dhan yojana will be given a RuPay debit card which can be used at all ATMs for cash withdrawal and at most of the retail outlets for making transaction for purchases.

Pradhan Mantri Jan Dhan Yojana

Benefits of Pradhan Mantri Jan Dhan Yojana

The Pradhan Mantri Jan Dhan Yojana or more popularly known as PMJDY scheme is planning on revolutionizing the traditional banking system in India by providing the banking opportunity and insurance coverage to all including the poor. It is an initiative taken by the Prime Minister Narendra Modi who started this ambitious project to help the poor become more financially confident through this venture and allowing every citizen the right to have their own bank account and insurance coverage which was previously impossible for most of the population under poverty.

The purpose of this scheme will definitely benefit the overall economy of the country and the scheme provides some lucrative benefits which should certainly be availed and considered. Here is listed some important benefits of the Pradhan Mantri Jan Dhan Yojna (PMJDY) scheme which would certainly inspire the country to a more prosperous future for all.

Life insurance under Pradhan Mantri Jan Dhan Yojana

Under the PMJDY scheme the account holders will be given worth Rs.30000 insurance coverage if they comply with certain specification of the scheme which includes opening an account by January 26, 2015 and having an accidental insurance coverage of over Rs. 200000.

Loan benefits under Pradhan Mantri Jan Dhan Yojana

The account holder can take loan benefit of up to Rs.5000 from the bank after six months from opening the account. Though the amount might seem insignificant for many but we have to realize the scheme is directed mostly towards people below the poverty line and who are struggling desperately to sustain their everyday living. The loan benefit can be a scintilla of hope for those people who could utilize the loan amount and invest it in a more profitable outcome, particularly in farming or other agricultural prospect.

Mobile banking facilities under Pradhan Mantri Jan Dhan Yojana

Though the technology of using smart phones to conduct our bank transactions is not novel anymore but the PMJDY scheme will allow its account holders to avail the same facilities of checking balance and transferring funds through a normal cell phone which is more affordable to the general economy.

Hence PM Jan Dhan Yojana is indeed a prosperous venture and we certainly hope the Prime Minister and the mass economy are both benefited through this new venture.

Also Read

  1. Suraksha Bima Yojana
  2. Jeevan Jyoti Bima Yojana
  3. PM Kaushal Vikas Yojana
  4. Gold Monetisation Scheme
  5. Mudra Loan Yojana
  6. Jan Aushadhi Yojana
  7. PM Awas Yojana
  8. Atal pension Yojana
  9. Suraksha Bandhan Yojana
  10. Sukanya Samriddhi Yojana
  11. Vikalp Yojana
  12. Rashtriya Swasthya Bima Yojana
  13. PM Jan Dhan Yojana In Hindi


  1. surjit singh kashyap

    sir mera account icici bank me hai mujhe pmjdy me shamil karne ke liye kiya karna hoga

  2. namaste sir aapse ek question hai

    sir mera account Allahabad bank me hai aur mujhe is yojna ke baare me pata chala hai apne friends se to kya yeh scheme mai apne account me apply kar Sakta hoo yadi ha to kaise
    please procedure samjhadijiye taaki mai yeh yojna ka benefit utha Santa hoon

    • kana ram firoda

      namaste sir aapse ek question hai

      sir mera account Allahabad bank me hai aur mujhe is yojna ke baare me pata chala hai apne friends se to kya yeh scheme mai apne account me apply kar Sakta hoo yadi ha to kaise
      please procedure samjhadijiye taaki mai yeh yojna ka benefit utha Santa hoon

  3. Thanx alot sir…..if it possible that we can get job in this yojana….

    • Need job sir….this is my no..9818081997

      • Dear Sir,
        My uncle Late mr.Manwar ali shaikh ,he has PMDJY insurance in his loan account,
        and he had done insurance on 19 may 2015 ,so he is no more so far! i have claimed
        regarding insurance,i want to know that shall we get any coverage for that??

  4. Dear Sir/Maidam.
    me Canara Bank me Aecunt khnla he to muje janna heki jan dhan yojna ka sath jorna me kya karna hoga…?

  5. sanjay ramchandra donde

    Dear sir,

    As I Required job .OR TECHNICAL scheme to do contract work.


  6. When is the last date to open account in PM Jan Dhan Yojana

  7. namaste sir aapse ek question hai

    sir mera account Allahabad bank me hai aur mujhe is yojna ke baare me pata chala hai apne friends se to kya yeh scheme mai apne account me apply kar Sakta hoo yadi ha to kaise
    please procedure samjhadijiye taaki mai yeh yojna ka benefit utha Santa hoon

    • Hi Ramnik
      Jan Dhan Yojana account main koi bhi apply kar sakta hai. Agar aapka account allahabad bank main already hai to aap koi koi taklif nahi hogi yeh account khulwane main. Par aap apne cuttent allahabad bank ko Jan Dhan yojna main convert nahi kar sakte. Aapko ek naya account khulwana padega.

  8. shyamsundar Karane

    Pm ji
    I am sinior citizen advisor sbi international group of co which vision is help
    7000 million people all over the world
    They have also vision to help 1250 million indian citizen in
    Bank a/c insurance security 24×7 food cloth house difence from all enimies
    This is out of business empire 90 % profit
    Contact president
    Sbi international group of co
    Email or
    Cell 8655669085 or 9987001784

  9. Dear sir, gm….mera already SBI me account hai, to is scream me shamil Karen ke liye kya kisi our corporation bank me account open karna hoga.? Pls reply me. Thank you.

  10. Ramesh Chand Regar

    Dear Sir,
    Mera account already SBBJ Bank branch Aburoad me hai. PMJDY yojna ka benefit lene ke liye kya yahi account PMJDY me convert ho jayega.
    Agar hota he to kya formulties puri karni hogi.

    • aapka current account PMDJY main cover nahi ho sakta… you will have to open a separate Pradhan mantri jan dhan yojana account

  11. dear sir,
    main modinagar se hoon,maine pradhan mantri jan dhan yojana account
    5 month phale khulwan ki bank main application foam jama kiya , but abhi tak uska koi bhi reply nahi aaya …sir apse request, mera bhi bank main account kulwaye…. Punjab National bank,Govindpuri (Modinagar)

  12. vishnu kumar panwar

    Sir namsat Mara account sbbj Bikaner &Jaipur Gandhi cowk Nagour raj .kya me es pm jdy labh mil jayga sir I require a/c

  13. Dear sir
    Mai janna chahta hu ki jandhan yojna ke tehat pariwar ke sabhi member account khol sakte hai ya sirf pariwar ka mukhiya

  14. namastea sir bank officer does not open……….my a/c. my cell no. 9939062595

  15. Sir s.b.i. Is not opening account under jan dhan yojana they have pasted a notice ab yaha jan dhan yojana k antargat account nai khola jayega ye bank konch gaya bihar me hai

  16. Sir,Jilla madyavarti bank account PM JAN DHAN YOJNESI salagn Karata yeil ka & kas..



  18. Dear Sir,

    Thanks for implementing this YOJANA. My wife does not have any bank account in any bank. So wanted to open bank account into this JAN DHAN YOJANA. but she don’t have any id proof. So she first went to STATE BANK, where cleark informed that no can open account without id proof, on other hand I read in news paper that any one can open account into this yojana even if one don’t have id proof. He or she can submit the id proof after getting require id proof but bank cleark talk rudly when my wife told her about the same. My wife met with Bank Manager, he also tolked rudly and told if government is telling you to open without id proof then go with government and open the account. ask modi to open your account but its not possible to open the acount without id proof.
    Then my wife went to ALHABAD Bank, where again bank manager who is smart lady told my wife that go to modi and ask him to open the account but its not possible to open the account without id proof.
    Then my wife called on toll free helpline no for JAN DHAN ACCOUNT 18002331000 to cross check the same that its possible to open account without id proof or not. where person didn’t here her story and put the phone that its not possible to open the account without id proof.

    Please guide sir, how to open the account because government is telling that bank account can be open without id proof but after some time need to submit the necessary id proof when anyone can get it but banks are not helping to open the same account. Wheret to take guidline and where to complain


  19. sudhir chandra sharma

    jan dhan yojana me bank shakha allahabad bank shakha katra bajar moradabad u.p 244001 ne mera khata kholane se mana kar diya 500.00 rs mang rahe hai

  20. Sir,

    I have opened sav account under PMJDY on 01/12/2014 at Oriental Bank of Commerce, Overseas Branch, Leela Galeria, Andheri East Mum 400 059 with Rs.200/00. Irequest them to issue cheque book for this account. Isaid I will keep min bal or Rs.1000.00. Still they refused to issue cheque book. Please advice with whom I should take matter.


    Ms Taranum Khan

  21. Sir/mami want to ask you if any family have5 member then they all made their their saving acc.under jan dhan yojna ….,.if any person in job she can make that acc.

  22. I wants to open an account but banks are asking that ward wise banks are allocated. How will i get information for my ward bank. My address is vivekanand ward yadav colony jabalpur madhya pradesh.

  23. yesterday one executive came to my home to open account for Jan dhan yojna, he was an agent, name of firm FINO paytech lltd,
    agent id 70863.
    i jut want to confirm that r u open the account at home by sending executive at home?? ya is it any fraud happen to me??
    executive clicked my photo, scanned Finger print & adharcard
    pls give me confirmation

  24. Dear Sir,

    I have approached Bank of India – Kamothe Branch for opening account for my dad under PMJDY. The account opening form is given in small shop which is bit away from the bank.

    After form submission, my dad who is over 70 year of age visited branch five times on date and time as informed by the said Branch. And now they have asked to visit again next Monday.

    Employee within this branch should show courtesy and basic professionalism to all customer irrespective of bank balance or scheme under which they are open.

  25. i want to know this facility is currently available or not in Bangalore

    • yeah,

      its available in all Nationalised Bank, especially in Vijaya Bank, u can open this Jan Dhan Yojna, u can avail this scheme

  26. dear sir
    please give me the job iam M.Sc.Chemistry student from sausar dist chhindwara

  27. jan dhan yojana ke account ko raasan card se jode,

    jan dhan yojana account ka pass book kab milega

  28. Dear sir,
    I wanted to open an account for my handicap brother , pls advice do u have any office in mulund branch mumbai

  29. There is any particular no.
    For query n complent about
    We didn’t get a/c no.
    After 2 month in SBI


    I am from vijayawada ,ajithsinghnagar in our area situated banks andhra bank , state bank of india, state bank of hyderabad, syndicate bank officials said our target is over, we cannot open account under this scheme, is there any target or any period to open this account (PMJDY) ? I have been confused by bank officials , in this situation what I have to do please e-mail me.

    • There is no target. They will have to open all Customer’s account under APY Scheme. If the officials say so you should tell them to give you the report 8n written having information that their targets are fulfilled.

  31. Sir i am from hubli karnataka se mera account IDBI Federal me join account hai mujhe pmjdy me shamil karne ke liye kya karna hoga.

  32. sir
    yesterday i post a comments & confirm by link but post not show in this blog why like this?

  33. sir
    All member of pmjdy while its very good scheme but bank are not supporting i went in SBI ajmer 7959 code branch they sent me a emitra there he saying since last week server is down so cant capture of finger print so i cant open my a/c i think if this will continue till the next five year half of people cant take advantage of pm’s scheme, so please focus on it & help us thanks

  34. Sub:- Not taking cash deposit in under Prime Minister Jan Dhan Yojana scheme
    Dear Sir
    I have opened a bank a/c under your scheme in a Allahabad Bank, New Alipore Branch, Kolkata-700053. My a/c No. is 50257466396, My name is Raj Kumar Yadav but sorry to say that I have gone to deposit of Rs.100.00 (One Hundred), Authority of bank says that We can not take deposit.
    I am doing work as a domestic servant. Please help me so that I can deposit bank.

    Please do the needful & obliged.

    Thanking You

    With Regards
    Raj Kumar Yadav

  35. Jan dhan pmjdy account open hone ke bad kya kya milega, means pasa book aur kya milaga plz boliye.

  36. jitendra srivastava

    Sub:-For Insurence Clam after Death, Death Date-23/12/14
    Dear Sir,
    Mera naam Jitendra Srivastava Hai,mere chote bhai ka naam Dhirendra Srivastava tha, uski death 23&24 ki mid night isthan Kundanganj,Thana-Bachrawan & Dist.-Raebareli.Sadak dhurghatna me ho gayi hai,usne apna a/c jandhanyojana k antargat khulwaya tha jiski detail de raha hu Sir, Name- Mr.Dhirendra Srivastava,S/o-Late Jagat Narain Srivastava,99/7.,Mahanand Pur,Dist.-Raebareli,Pin-229001,a/c Open date-10-09-2014,A/c No.-56810100005838 & Customer ID-615902259 Sir ghar ki mali halat utna thik nahi h isliye aap se nivedan h ki jo prakriya ho use plz batane ki krapa kare,Sir mera sampark mobile N0.-09919549401 hai,& mera sampark e-mail hai,Sir mai intzaar kr raha hu aapke jawab ka.

    Thanku Sir,
    Mr. Jitendra Srivastava
    99/7,mahanand pur,Dist.-Raebareli,229001

  37. Sir kya hum 2 a.c khol shakte hh pjdy ke tahet

  38. Dear Sir,
    I have Bank account in State Bank of India. I want to convert it under Pradhanmantri Jan dhan yojna. Sir Prime Minister ji, Is it possible or not?

    Tanay agarwal.

    • If you already have the account and just want to avail the benefits of jan than yojana then you can ask for a RuPay card against your existing account. This will make you eligible for all the benefits

  39. jandhanyojna sir kya ye account online nahi khul sakte ?
    taki hame bank k dhakke khane na pade?

    • the main aim for this scheme is to open accounts for those who does not have the account and the target audience does not have the online privilege



    DEAR SIR..

    Sunil Sharma

  42. dear sir,
    My wife is a house wife, she has not any A/C But when she come to sbi bank IN ROHTAK for opening new a/c then bank manager disquqlify for a/c opening beacuse she has all ID from NOIDA .

    Please advice me

    Thanks and regards

    anil kumar


  43. Sir,
    PMJDY me accont hone se jo life cover milega wo sabhi economy class ke liye same rahega?
    yestrday I saw in news aprox.99% population has join for this. I want to join plz tell last date of scheem.?

    • Hi Yogesh,

      Yes Life Insurance and Accidental benefits are covered for every individual who has a Jan Dhan Yojana Account

  44. PMJDY is nothing but a sad case of old wine in a not so new bottle. Even the boast of providing one lac “accident” insurance was a scheme launched by NPCI to popularise its RuPay cards way back March 2014 much before Modi came to power. Hardly anyone will benefit because of the rider with the scheme that card has to be swiped at the ATM at least once in 45 days which rules out 80 % of the account holders as they do not have balance in the account. It also rules out so called Overdraft Facility of 5000/- as it is available only after six months of “satisfactory transactions”. The so called 12.5 Crore accounts numbers are highly debatable as very few (I guesstimate at less than 10 %) of these accounts are first time accounts. With extreme pressure exerted by Fin MIn on to Public Sector Banks and RRBs (favourite whipping boys of Fin Min since UPA days) the bank staff ended up opening multiple and garbage accounts in the name of all and sundry. One of the reasons why so few of them have been seeded with Aadhaar which is a unique identifier. I think Govt. of the day should stop fooling itself and the public about the numbers and the so called benefits and concentrate first on granularly identifying the excluded and systematically open their accounts and pass on tangible benefits if they are serious about inclusive growth.

  45. Will i get internet banking facility for the account opened under PMYojana.

  46. Sir/madam
    I have opened my two sisters PMJDY account in bank of India of malharganj branch. assistant opened my sisters account but he told me that I have to pay 20 rs for taking account card and I have to deposite 1000 rs for taking ATM and Passbook .where do I complaint…….? plz help me……..

  47. Pronab Bhattacharjee

    Honorable Prime Minister of India,
    I am glad to you for PMJDY thinking for every poor person. But, suddenly I watched some person type of LTI/RTI problem. Recently Bank issued Rupay ATM Card for LTI/RTI person for the PMJDY A/C.
    My question is: Why? Every illiterate person not known alpha/numerical words and also not knowing how to use at the ATM counter? And time of this position some person helps to him/her. But, all people are not honest for that type of helping. Please tell me how to protect them for this fact. I think its wrong decision for Rupay card for LTI/RTI people.

  48. Sir
    I want to know when i get pasbook of this acoount no l m opening my account in sbi rampur up kindly help me

  49. Dear Sir,
    will any kind of pension like old age pension be stopped by opening account in PMJDY?

  50. sir i am going to canera bank i am open the account in 17 feb in jan dhan yojana but the manager was give the answer the benefit was not give to you because 26 jan was last date this is right this open the account?

  51. Respected Sir,
    is this yojna closed now? I went to Union bank and Canada bank for opening an account for my house maid, but I was told that this scheme is closed by govt on 26th Jan 2015.
    I wanted to know when will this scheme start again?

  52. i want tu know about jan dhan yojna n any loan facilitys plus more facilietys about pm jan dhan yojna plz snt me a more information about pmjdy……….

  53. Respected Sir,
    I belongs to a poor family. I have already existed 01 Jan Dhan Yojana account in the UCO bank, Polytechnic Br. silchar, Assam in the name of Sabitri Rabidas (my mother) in the month of October/November 2014. But unfortunately she got expired on 15 days ago in the month of February 2015. Therefore, I need your sympathetic suggestion about the fact that whether I should get any financial assistance under your this scheme (i.e accidental/Life insurance Benefit). If Sir, there is anything, then kindly provide your guidance for which I shall remain thankful to you forever.

    Rohit Rabidas

  54. For me this ” PMJDY ” is a recording breaking scheme implemented by BJP party and leaders after independence and freedom of india. I like to salute such thoughts and innovative ideas after independence . However beside such things my question is 1 lac of rupees for accidental benefit but if unfortunately people lies and make fake report and draw money in a normal death then,what steps is possible for this so that it can be stopped in coming days . (¡¡) now this benefit is essential for poors no doubt but my question is how can a poor person claim and prove that it is an accidental case ,for that he/she has to spend some amount to prove so my question he or she will get 1 lac rupees or less than that ,what step would government will take to stop after all corruption ?

  55. Hello Sir,

    I went to state bank and IDBI bank for opening an account, but I was told that this scheme is closed by govt on 26th Jan 2015. and above i came to know that it is still open for public, if I want to complain about it where should I go, Kindly advise for the process.

  56. i want to become an bank mitra
    so plz tell me the process for this



  58. Veerabhadraiah K V

    I had opened my PMJDY Account on January in Pragathi Krishna Grameen Bank, Kalludi Branch, Gowribidanur Taluk, Chikkaballapur Dist, Karnataka. but still now Rupay Debit Card not received. so what we have to do, how i can get debit card please help me.

  59. Sir
    PMJDY acoount is zero account but now some service providers link braches also opening this accounts but they collecting some money unofficially from poor people and Some kiosk agents giving ID cards instead of passbook and collecting the money upto 100/- for card please help to poor people even they don’t know how to complaint to branch manger also once please help to them and what yours suggestion and answer on this collection of money

    Thanking you

  60. And that amount not depositing that only charge for I’d card creation and some kiosk agents collecting 100/- and deposited only 50/- if Custemor asks abt ramaing money they saying that’s service charge….

  61. hi,
    My domestic maid has opened a bank account in Dena Bank, Bangalore Nagarbhavi in Month of December. I insisted to bank officials to open the account under Pradhan Mantri Jan dhan yojana(PMJDY). But they said its okay you can open savings account and link it to PMJDY. Then we were promised Rupay Debit Card. It is almost month of May,we are yet to receive the Rupay Card. Every time they are sending us back saying we are yet to receive the card. I’am not sure where the delay is from Govt in sending the Rupay card, or the bank officials are not doing enough to get the card.

    Can you please help us out, in helping to resolve the problem. Account Details will be shared, in case required. Kindly help us.

    with regards

  62. banks rejecting to open an account what to do?

  63. Sir mera State bank of India Ma PMJDY account h sir mere1st entery 1000 rs ki thi
    Ma mere account, se cash withdraw lens chata hu but atm se cash nhi nikl rha h invalid transaction show kar rha h
    To sir ma cashwithdraw ke liya kya kru
    Sir please help me

  64. Respected Sir,
    There is no benefit of below poverty line people. common people no idea what meaning of bank. bank person not interested meet common p

  65. Sir,
    I m working in private sector in a MFG Co.i m getting 13000.00 per month as net salary n my EPF contribution is 1100 .00 per month also my company contributed 1100.00 per month in EPF.
    Pls guide can i go with this pension yojana as my PF already deducted by my organization.

    According to this yojana every body who is 18 years old can go with this yojana, but after his or her education he will get a job n he will be get PF. Then how can this yojana will applicable for that person?

  66. i am complit b.a koi isse releted job ho to plz batay i live in aayodha faizabad

  67. Dear Sir,

    Mera account bassein catholic bank mai hai to kya mai mere bank mai jan dhan scheme ka labh le sakti hu. waha mera account open hoga, please tell me.

  68. If I already have insurance from some other company. Can I take advantage of this yojana as well or is it only for those who do not have insurance at all?

  69. I open a saving account state bank main branch Begusarai Bihar under PMJDY. My account no.- I received a debit rupay card from post but after four months I do not received debit rupay card pin number and Bank Pass Book. Please take care this problem and solve it.

  70. sir mere dada ji ki aachanak dath ho gyi h unka a/c jan dhan yojna k tahatgurgao gramin bank me h kya unko koi gayda mil sakta h

  71. “may assam ki nagaon zilla mein rehta hoon, lekin assam ki nagaon zille “bank of maharashtra” main abhi tak pension yojana schemes from nahi mila, lekin last date hai 1st June 2015. so what can i do???????????? plz answer me


    I want to open under PMJDY but I can not understand what system it will be run and some question arise in my mind.
    1. who provide the document to us.
    2. what documents will be provide to us.
    3.who and where we apply the claim and which require documents for claim.
    4. who settle the claim and how did time to settle the claim.

  73. Sir,I have opened my pmjdy account in the month of October 2014 at Coustmer service centre of SBI KIOSk banking till now they did n’t provide me I’d proof but now they are demanding 100rs from me ,they are telling only 30rs will be deposited in my account & reaming 70rs will charge for account process. they also replying that government provide free I’d cards till 25th Jan 2015 than after 70 rs is charging for every individual
    I kindly request u to take severe action on it
    Details of CSC of sbi-kiosk
    V.srinvas Rao
    BC code:1A696899
    brnch .code:0892

  74. Shweta Nimbalkar

    Dear sir, gm….mein mumbai ke rahene wali hoon, mere mata aur peeta nahi hai, aur mere pass job b nahi hai, please mujhe help kare, mera already icici me account hai, to is scream me shamil Karen ke liye kya kisi our corporation bank me account open karna hoga.? Pls reply me. Thank you.

  75. rajesh kr mahtha

    sir, i hve a suggestion abt jandhan yojana a/c-
    1.plz provide sms alert facility.
    2.plz provide cheque facility also.
    so..plz take necssary action upon these two points
    thank you

  76. Sir Maine new paper me add dekhi job ki…aur cl kiya to unhone kaha ki Jan dhan yojana k bare me msg krne ka job h…to kya mai vo job join kru…kya ye real hai…ya bakwas h job …kyu mujh financial problems h….plz reply fast…

    • pmjandhanyogana

      Hi Neha, I am not aware on any such jobs. Can you please send us the newspaper that has this information

      • dear as i m hvng an pmjdy a/c
        sir i want to know the limit of the transactions limit including debiting and crediting in a financial year on the such a/c . kindly guide me for the same.

      • pmjandhanyogana

        you are allowed 2 transaction in a month.

  77. The Comments reflect my mothers views.

  78. Can I transfer old SBI a/c under Jan shan yojana onine

  79. Sir tell me one that, can I get my debit card same day after applying for a saving account under this scheme beacus I had applied for an account in Punjab national Bank but after applying 20 days I did not received my debit card yet .and then,when I asked to the bank the bank employe said forget your debit card. you will get your rupay card after 2 Months before that you can use your passbook so plz suggest us what I have to do for that occasion Plz sir help me……….

  80. i have a pmjdy a/c in indian overseas bank (sunkadakatte branch) banks given the rupay debit card but bank person ask this a/c not eligible for issue cheque book now i need a cheque book what to do now get a cheque book pls help me

    • pmjandhanyogana

      these accounts does not offer cheque book. You will have to open a normal savings bank account to get this facility.

  81. Vishal Sonavane

    Mere pitaji sidiyose gir ke unke sir ko mar laga hai. Brain me sujan hai aur bliding bhi hua hai. Unka operation bhi hua hai. Jan dhan yojana ke antargat hame kya facility mil sakti hai. Pls give reply.

  82. sir can you tell me a account holder under the jan dhan yojna dose not deposited any amount to his/her account then he/she can be elligible for the various benefit under the jan dhan yojna like loan, life insurance

    • pmjandhanyogana

      you have to keep your account active to avail these facilities. I mean just withdrawing a minimum amount in 45 days would make your account active.

  83. My date of birth is 04/04/1975 kya may eligible ho Pradhan mantri pension yojna kya liya kaya may overage to nahi ho gaye ho please give me answer

  84. Sir I want to know if a person will die he/she is having account under this schema pmjgy how much he/she will get from the bank and how they will get it.
    what is the time period of getting that.


    dear sir
    sir hum log last kitna paisa is jandhan yogna a/c me rkh skte hai…is a/c ka last kitna limit hai..pls btaiye sir

  86. Satyabrata Giri

    Now I am 25 Years old. If I joined with this yojana & after continuing five years can I withdraw my name from this yojana. If possible then what will happen ? How can I get my invested money ?

  87. sir i want to know that weather this account atm has online banking facilities or not ?

  88. can we take this policy in the next ten days. how long this policy will go?

  89. siddhartha gupta

    Sir mujhe abhi tak mera atm nhi mila hai 3 month ho chuke hain

  90. Hello Sir,
    If i enroll for APY, do we need to renew it every year? If I move out of India for couple of years, how do I renew it?

  91. Is the pension and corpus amount tax free or taxable?

  92. Dear Sir
    main Janna chahta hun jo aapne ladkiyon k liye yojna chalai h k kuchh saal tak paisa bharne k baad 21 saal ki ladki hone tak 2 lac aap provide karenge usme Annually Pay karna h Ya monthly or is yojna ka benefit lene ke liye kaise register karenge poori information kaise milegi.

  93. Honourable sir, me pmjdy life incurance ke bare me janana chahata hoon aur is ke jo bi prcudure please sir imform me .

  94. I have opened a a/c in sbi under pmjdy I have got a/c no. And repay debit card .I want know that I can get my rupay debit card’pin and passed book in any branch of sbi

  95. we went to Andhra Bank to open PMJDY account on 1st January 2015. but bankers told us that do not open account but it was closed. So, what I have to Say. really we need to account from the PMJDY.

  96. my father open PMJDY account on 09.01.2015 but no transaction done do not apply rupay card. my father died on 20.10.2015 if cover insurance

  97. prabhakar m nalawade

    give pmjdy details in marathi language

  98. Dear sir
    I am want to open computer institute in my village ,so a have connect to SBI bank,hdfc bank and pnb bank for pradhan mantri mudra loan don’t have my help in any bank please help me.

  99. Sir my mother opened. An pmjdy account at indian bank recently my mother expired on normal death she is eligible for any insurance

  100. Prabhakar nalawade

    Sir,my sister is in corporation bank’s BC holder. She needs pmjdy details in Marathi language, but she could not received from bank so I request you to give the details & she would tell the benifits of the same to more people. Thanking you

  101. Dear Sir, Mera BOI Bank me Account h mujhe kiya karna h

  102. Mujhe cash on delivery chahiye milega ki nahi??

  103. Hello sir,
    . PMJDY account kholne k liye last date bagera kuch system hai kya

  104. Sir
    I have applied in pradhan mantri Jan dhan awas yojana in jaipur rajasthan. in the process of scheme I have deposited
    50000 in scheme by cheque. I want to getting information about tax benefit on invest amount. So please send reply wheather any tax benefit will be available on this

  105. P Santhiagu Raj

    Hi Sir,

    What steps government is taking for these schemes to reach the informal sector workers or less educated people and how we can help them.

  106. Dear p.m sir,
    I have already simple saving bank accont. But now i want to open new pmjdy account in other bank.without converting that account which is already created. Is that possibale ?

  107. My father have pmjdy a/c with dena gujarat gramin bank and he died with decease of cancer. Life insurance benefit we receive or not with this a/c.

  108. Sir I’m an account holder under the scheme in bank of barsha also I’m doing transaction regularly but now I have been accident pls tell me about the process to insurance claim

  109. Anil Kumar Gupta

    kindly update the figures on this page (given upto sept 2014), please also provide graphic display of statewise, countywide, and backward region wise coverage. It will be useful to show how the inclusion of thsoe who were hitherto excluded has been achieved and where. also if DBT ( direct benefit transfer) has been achieved through these accounts, then pl give that update also. i am happy tos ee that the team is answering a lot of questions being asked by common people, keep it up

  110. manas ranjan sutar

    Honourable sir my Ticket no-OL199223491029, i direct meet to Branch Manager he say you meet FO, i meet this officer he say our march annual closing we do not PMMY loan you came April second week. how do me sir ?


  112. Dear sir ,
    My big bother expired in December 2015 due to Heart attach he was not married , my mother was living with him she spend lot of money in hospital for him.He had paid 330/- for the policy can he get the amount which would help my mother please tell what we have do for that

    Thanking you

  113. Hi sir even I want to open a bank account and I want loan wat should I do

  114. Sir me bhi is yojna me judna chahta hu muje bhi scholarship lena chahta hu

  115. Avinash Ramesh Sutar

    Dear sir,
    please kindly tell me the process how the apply for the housing loan in prime minister housing schemes

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