Types of account to open under Jan Dhan Yojana

In this article we will talk about the type of account that can be opened under Jan Dhan Yojana. The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a novel venture to improve the economic cycle of India by inclusion of the population in financial transactions through banks. The scheme was initially launched in late 2014 and will operate in full fledge from January 2015 by participation of various banks in India.

Account open under Jan Dhan Yojana


However there are speculations about the feasibility of the project and the financial burden that some of the schemes would bring. Government subsidies would be provided for the success of the project and the PMJDY targets on getting 75 million un-banked Indian families to open a bank account with even a zero balance deposit.

Promotions have been done and various enrolment camps have been set up across the various states in India to educate people about this new venture and the benefits that the scheme could provide to their household income. However, given that the population size of India is so huge, among the various types of bank accounts offered by different banks the Jan Dhan Yojana aims on providing only Basic Savings Bank Deposit Account (BSBDA) to its subscribers.

The savings account under this scheme has various significant features which are not inclusive with the regular savings account offered by the banks. The BSBDA allows its account holder to keep the account functional even with a zero balance deposit and has no restrictions or regulations on the minimum balance.

Apart from the regular deposit and withdrawal features the account holders can also execute electronic transactions through their regular phones. Up to four transactions can be carried out through ATM without any additional charges applicable. Also overdraft facilities of up to Rs.5000 can be availed for functional accounts of six months and accident insurance of Rs.100000 and life insurance coverage of Rs.3000 are other features under the Jan Dhan Yojana scheme.

If you do not have any valid documents to open a Jan Dhan Yojana Account you can opt for a Small Account , which requires  no documents.


  1. Can anyone open an account with banks through this scheme?

  2. Can anyone lady open her account through this scheme?


  4. can i be issued a visa or mastercard debit card afterwards on this account?

  5. i have applied and got the passbook in the bank, but i haven’t receive the samrt, can anyone help in this regards

    G Raghu

  6. .i have applied and got the passbook in the bank, but i haven’t receive the samrt card, can anyone help in this regards

    G Raghu

  7. thanks Dr. Sharma, for all informations.
    I had applied for PMJDY account in SBI, on 20.01.2015, and received passbook from SBI Dhakuria Branch (code 1405) on 06.02.2015. My account no. 34622260336.
    *My phone number & email ID is not printed on passbook.
    *Yet I have not given any Rupay card.
    My question is 1) would I get benifits of insurance ? 2) would I get Sms alart on my phone. 3) How to get a Rupay card & pin number.

    Debasis Sengupta.

    • Dear Sir,

      Can you pls tell me procedure to open account. Because the bank is not giving any application for. is there any link download it from internet SBI

  8. sir mughe ye bataiye mere acunt m blc 1000 h pr wo withdrwl nhi ho raha h atm k throw

    mughe kya karna chaiye

  9. Can i join in atal pension yojana after 1st june ?

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