How to open a Jan Dhan Yojana Account

How to open a Jan Dhan Yojana Account

Indian citizens above the age of 10 can open a bank account under the Pradhan Mantri Jan-Dhan Yojana and can enjoy all the benifits of Jan dhan yojana scheme. There are other eligibility criteria and the details are mentioned in our article Eligibility Criteria To open PM Jan Dhan Yojana Account. Here we are providing the details on how to open an account under Pradhan Mantri Jan-Dhan Yojana?

Jan Dhan Yojana Account opening process

  • You need to visit the bank or institution designated by the government. check List of Banks authorized to open accounts in Jan Dhan Yojana Scheme.
  • In the bank or the designated institutions you will find the desk with Jan dhan Yojanadetails and the officials are normally called Bank Mitr.
  • Bank Mtr will provide the account opening form and you need to fill the account opening form and submit copy of valid official id proof.

List of ID Proof valid to open a Jan Dhan Yojana account

  • People with Aadhaar Card do not need to produce any other document at the time of opening the account.
  • In case Aadhaar Card is not available; any one of the Officially Valid Documents (OVD) can be submitted including
  • Voter ID Card
  • Driving License
  • PAN Card
  • Passport
  • NREGA (Mahatma Gandhi National Rural Employment Guarantee Act) Card.

However earlier it was mandatory to have Adhaar card or any other identity proof for opening an account but now according to the Finance Ministry people who do not have valid documents or Aadhaar card or Aadhaar number, they can also open bank account under the Pradhan Mantri Jan Dhan Yojana (PMJDY) without the document.

Such people have to give two signed photographs only with the filled account opening form. These accounts have a validity of 12 months without any official document being produced. In this 12 months period account holder have to either submit required identity proof or any other proof which validates that the person has applied for the official valid document required for opening the account.

The account holders will also get a RuPay debit card and they can use this card to withdraw money and/or make other transaction at retail stores etc. The benefits of the account opened under the Jan Dhan Yojna include no requirement of minimum balance. Also the account holder can deposit and withdraw cash at bank branch as well as ATMs without paying extra charge for using these facilities.

Also Read

  1. Gold Monetisation Scheme
  2. Mudra Loan Yojana
  3. Jan Aushadhi Yojana
  4. PM Awas Yojana
  5. Sukanya Samriddhi Yojana


  1. I am shivaraj patil my family don’t have any savings accounts . I think its a best oppertunity to me . thanks a lot INDIAN govt.

  2. I am milind vinchurkar, iam allready to open old sbi seving accaunt, so how to use the benifit’s of pradhan mantri jan dhan yojana.
    please gide it

  3. It is a very good plan of namoji. I hope this plan will be support every indian family and indian will get this opportunity.

  4. jitendra singh rajawat

    p m jan dhan yojna its good chance of woman to open saving account in bank to save many and child future

  5. Nayana Rani Pattnaik

    should any time open an Account at any bank as per your bank list ? I have not received any Ru Pay Card.Should i ask to Bank Staff? Just Guide me.

  6. Is there any charge that bank asks for opening an account?

  7. i thought this is a very good thinking of the prime minister. our problem is gone because we are not easy opening our account i say you thank you for delete our problem.

  8. Pm jan dhan yojona is very important for poor familys and people working for low salary .they have no any bank account and sleeping on the foot path eta.

  9. pm jan dhan yojna is very important for poor famaliys sand people working for low salary they have no any bank account and sleeping on the foot path eta

  10. account open karwane ke liye bank muze support nahi kar rahi


  12. nice scheme as such for poor people

  13. Lairenlakpam Tolen Singh

    I want to PM Jan dhan yojana bank new account how I can to the submitte

  14. Hi,
    I am arjun, I have voter id of other state .is it possible to open Jan Dhan Yojana account under this scheme with other state’s id?????

  15. Me anni mother ka account open Karen gaya tow bank walo ne mana kar diya or kaha ki sakim close ho gai hai app ab Jan dhan yojna main apna account open- nahi kar sakte

  16. I have no bank account .can l open it know but I have only aadhar card ,is it enough plz reply soon

  17. sir
    Can a Jan Dhan A/c be converted to General Saving A/C?

  18. I dont have any id proof with me now can I open an accout??

  19. Can i open a account of pmdjy through online.

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