PMJDY which is commonly known as Pradhan Mantri Jan Dhan Yojana. This Scheme was firstly introduced in the year 2014. Moreover, the scheme has provided the platform for other four more scheme which is like Pradhan Mantri Jeevan Bima Yojana (PMJBY), Pradhan Mantri Mudra Yojana (PMMY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY). PM Jan Dhan Yojana is facilitated by the Prime Minister of India, Mr. Narender Modi. It is introduced to help the poor families and backward classes who are inefficient to earn money for their living. Till now, 118, 434 crore rupees has been deposited to all the beneficiary’s accounts under this scheme. While there is one more motto behind PMJDY Scheme, that every citizen must hold a Bank account. Additionally, every citizen must know about the finances scheme and its operations.
Under six years old Pradhan Mantri Jan Dhan Yojana, more than 40 crore bank accounts have been opened so far. According to statistics, the number of beneficiaries of this scheme has reached 40.05 crores, in which more than 1.30 lakh crore rupees have been deposited.
वित्तमंत्री सीतारमण की घोषणानुरूप सोमवार से 500 रुपये की दूसरी किस्त जनधन खाताधारकों को मिलने लगेगी। सरकार ने कोविड-19 संकट को देखते हुए गरीबों की मदद करने का निश्चय किया जिसके तहत तीन महीनों तक महिला जनधन खाताधारकों को हर माह 500 रुपये सहायता राशि मिलेगी। बैंकों में भीड़ ना हो, इसके लिए एक विशेष समय सारणी विकसित की गई है, जिसके तहत ख़ाते के आखिरी अंक के आधार पर बैंकों से पैसे निकलवाये जा सकते हैं।
PM Jan Dhan Yojana List 2020
Well, under this scheme, the government will deposit 500 Rupees in the beneficiaries Bank account. Lastly, in the month of April, the Government of India has deposited 500 rupees to all the women account holders as well as beneficiaries under this scheme. There are around 38.33 crore beneficiaries to date and much more to add up in coming up months. As the nation is under a 21-days Lockdown period to combat Covid-19 contamination.
Social distancing and proper hygiene are been practiced all around the country. With no work left with the earning members of the family, the Government of India has implanted many schemes to help them out in this difficult phase. PMJDY Scheme list 2020 is recently out in which all the names of the beneficiaries were announced and the proof of deposited fund is given. Under this Scheme, poor women are highly benefited. The government has helped them by depositing 500 Rupees in their bank accounts with additional benefits along with it.
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PMJDY Account Special Benefits
As told earlier, Padhan Mantri Dhan Jan Yojana was introduced on 28th August 2014. It was initially started just for 4 years but now it has been extended. It helps all the backward class families to access banking operations all over the nation. In simple words, it has made finance operations more feasible for uneducated and poor ones. Here are some of the PMJDY Account benefits listed below. Go through them carefully and if you want to apply for Dhan Jan Yojana Scheme then read the full article for all the insights.
a) Rupees 2 Lakh accidental insurance cover.
b) Easily one can transfer money in any account without any hassle.
- Any account operation satisfactory by 6 months will lead to an overdraft facility.
- Account opening at 0 balance. Additionally, no minimum balance required to keep the account active.
e) Beneficiaries will get benefit directly transfer into their account.
f) Interest will be given on deposits.
g) At the death of the beneficiary, Rupees 30,000 will be paid to the family members. But it is totally dependent on the eligibility fulfillment.
h) An overdraft facility of 10000 Rupees is available to anyone’s family member. A female member is preferred.
Pradhan Mantri Jan Dhan Yojana Account Opening
On the official website, PMJDY.gov.in application form for opening an account is available in Hindi and English language both. An interested applicant clicks on the link and fills the form step by step from giving their bank account details to the personal details. After filling the form, your Rupay debit card will be issued in a couple of weeks by the Government. It is really important to fill the form correctly. As on the basis of the given information only, your name will come under the suggested Pradhan Mantri Dhan Jan Yojana.
Frequently Asked Questions for PMJDY Scheme
Over the time period of 21 days nationwide lockdown, many individuals and families have the number of queries regarding the PMJDY Scheme and its benefits. Let’s hop over and check out these FAQs.
Q. Applied for PMJDY Scheme but my deposit is still due. May I know the reason?
A. Well, if you have successfully filled the form and waiting for your fund then keep a little more patience. A wide range of families and women are associated with this Scheme and it takes a certain period to initiate the fund. While in April most of them got Rupees 500 as promised.
Q. I want to Know more about the overdraft facility. Any interest rate on it?
A. yes, your specific bank will grant you about 3% of interest on your overdraft. Well, it may differ from bank to bank.
Q. What documents are needed for PMJDY Scheme?
A. See, it is for all the backward class and illiterates, so you need only Ration Card, PAN card, Voter Identity, Adhaar Card, Driving License if any, and Photographs.
For more updates, keep coming back. We will update all the latest information regarding Pradhan Mantri Jan Dhan Yojana.