प्रधानमंत्री जन धन योजना 2024 के अंतर्गत मिलेंगे 10 हजार रुपए, जाने क्या है प्रोसेस

प्रधानमंत्री जन धन योजना:- The Pradhan Mantri Jan Dhan Yojana, launched by Prime Minister Narendra Modi on 15 August 2014, started on 28 August 2014. This scheme aims to provide banking access to the poor in our country. Under this program, bank accounts are opened for people with zero balance in post offices and nationalized banks. After six months, accounts linked with Aadhaar cards are eligible for an overdraft facility of Rs 5000. Additionally, these accounts come with an inbuilt accident insurance cover of Rs 1 lakh through Rupay Debit Card and Rupay Kisan Card.

Pradhan Mantri Jan Dhan Yojana

Pradhan Mantri Jan Dhan Yojana, also known as Jan Dhan Account, benefits people in both rural and urban areas. It allows easy account opening for the poor without any fees or hassles. In case of the account holder’s demise, the government provides an additional insurance cover of Rs 30,000 to the beneficiary’s family. Over 47 crore accounts have been opened under this scheme. Recently, the government announced a financial incentive of Rs 10,000 for Jan Dhan account holders.

This initiative offers various advantages, including insurance coverage up to Rs 1 lakh 30000 and no requirement for maintaining a minimum balance. Account holders also receive a debit card and can avail an overdraft of Rs 10,000. To benefit from this scheme, applicants need to apply at their respective bank branches and open a Jan Dhan account as soon as possible.

Pradhan Mantri Jan Dhan Yojana

Pradhan Mantri Jan Dhan Yojana Overview

Name Of the Scheme प्रधानमंत्री जन धन योजना
Started By By Prime Minister Shri Narendra Modi
Date Of Launch 15 August 2014
Beneficiary Citizens of the Country
Category Govt. Scheme
Official Website https://pmjdy.gov.in/

Pradhan Mantri Jan Dhan Yojana Life Insurance Cover

Pradhan Mantri Jan Dhan Yojana was launched to provide banking access to all citizens. This scheme allows people to open a bank account without any initial deposit. Beneficiaries also receive a RuPay Debit Card and additional benefits. In case of an accident, the account holder is covered for ₹100,000, and if the account holder passes away during this period, their family receives financial assistance of ₹30,000. These benefits apply only to accounts opened between 15 August 2014 and 26 January 2015 under this scheme.

Right To Health

Objective of Pradhan Mantri Jan Dhan Yojana

The Prime Minister Jan Dhan initiative by the Central Government is designed to help people who have difficulty opening bank accounts and lack awareness about banking services. This initiative aims to offer banking facilities, including opening zero-balance accounts, to economically disadvantaged and backward class families. Under the 2024 plan, the Pradhan Mantri Jan Dhan Yojana aims to provide services such as banking and savings accounts, deposits, remittances, loans, insurance, and pensions to everyone, ensuring easy access to financial services.

Features of Pradhan Mantri Jan Dhan Yojana

  • Jan Dhan Yojana, launched by Prime Minister Narendra Modi in 2015, has opened over 1.20 crore zero-balance accounts, depositing Rs 1,31,639 crore so far.
  • The scheme aims to connect every citizen of the country.
  • During the Covid-19 lockdown, the government provided Rs 500 per month to women’s Jan Dhan accounts, benefiting over 20 crore women.
  • These accounts are utilized for various government schemes.
  • Key features include: no minimum balance requirement, interest on savings, issuance of a debit card, accidental insurance cover of ₹2,00,000 (available if the debit card is used), life insurance cover of ₹30,000, and an overdraft facility of ₹10,000 (linked to Aadhaar).
  • It serves as a platform for the government to transfer direct benefits for different schemes.

Nadakacheri CV

Number of Accounts Opened in PMJDY

We have provided details below about the number of accounts opened in rural and urban areas, the deposited amount, and the issued RuPay cards (as of data until 25 March 2020). Please read the information carefully.

बैंक का प्रकार ग्रामीण में शहरी मेट्रो ग्रामीण महिला राशि करोड़ों में जमा रुपे कार्ड जारी किया
सार्वजनिक क्षेत्र का बैंक 16.46 14.05 16.11 93919.97 24.57
क्षेत्रीय ग्रामीण बैंक 5.47 1.09 3.72 21331.80 3.59
निजी क्षेत्र का बैंक 0.70 0.56 0.67 3182.64 1.15

Factors of Pradhan Mantri Jan Dhan Yojana

The PMJDY scheme focuses on six pillars:

  • Accessible Banking Facilities: The aim is to cover every district with sub-service areas, ensuring at least one to two thousand households within a 5 km range.
  • Basic Banking Facility: The goal is to have at least one bank account in every unbanked household, encouraging a culture of banking and promoting savings habits.
  • Financial Literacy Program: This initiative educates people about financial literacy, enabling them to operate ATM cards and understand their benefits.
  • Micro Credit: Account holders who operate their accounts satisfactorily for six months become eligible for a credit facility of Rs 5000 without the need for security, specific purpose, or usage explanation.
  • Micro Insurance Facility: BSBD (Basic Savings Bank Deposit) account holders are eligible for micro insurance through two schemes:
    • Pradhan Mantri Jeevan Bima Yojana (PMJBY): Provides a life insurance cover of Rs 2 lakh with an annual premium of Rs 330.
    • Pradhan Mantri Suraksha Bima Yojana (PMSBY): Offers an accidental cover of Rs 2 lakh with an annual premium of only Rs 12.
  • RuPay Debit Card: Account holders receive a RuPay Card (ATM Card) upon opening their accounts, including an accident insurance cover of Rs 2 lakh.


Benefits of Pradhan Mantri Jan Dhan Yojana 2024

  • The Pradhan Mantri Jan Dhan Yojana (PMJDY) allows any citizen, including children up to 10 years old, to open a bank account without any initial deposit.
  • Those who open an account under this scheme in 2024 are covered for accident insurance up to Rs 1 lakh.
  • In the event of the account holder’s death, a life insurance payout of Rs 30,000 is provided under normal terms.
  • Interested beneficiaries can easily obtain a loan of up to Rs 10,000 without paperwork by opening a Jan Dhan account in any bank.
  • Government scheme benefits are directly deposited into these accounts.
  • Each family, especially women, is eligible for an overdraft facility of Rs. 5,000.
  • PMJDY aims to ensure financial inclusion by providing access to banking, savings/deposit accounts, remittances, credit, insurance, and pension services at an affordable cost.
  • Accounts can be opened in any bank branch or through Business Correspondent (Bank Mitra) outlets.
  • While accounts are opened with zero balance, account holders need to meet minimum balance criteria if they wish to obtain a checkbook.
  • So far, 38.22 crore beneficiaries have deposited money in banks, with a total of Rs 117,015.50 crore deposited in the beneficiaries’ bank accounts.

राजस्थान मुख्यमंत्री युवा

Eligibility to Get life Insurance Cover

The applicant must have opened a bank account for the first time between 15 January 2014 and 26 January 2015 under Pradhan Mantri Jan Dhan Yojana. To benefit from this scheme, the applicant must be the head or an earning member of the family, aged between 18 to 59 years. Government employees, both current and retired, as well as tax-paying citizens, are not eligible for the benefits of this scheme.

Required Documents

  • Applicant’s Aadhaar Card / Identity Card / Driving License / PAN Card
  • mobile number
  • passport size photo
  • address proof

How to Apply for Pradhan Mantri Jan Dhan Yojana 2024?

  • Interested beneficiaries need to visit their nearest bank branch to open an account under Pradhan Mantri Jan Dhan Yojana 2024.
  • At the bank, they should obtain the application form for opening a Jan Dhan account.
  • Fill in all the required information in the application form.
  • Attach all necessary documents requested by the bank with the application form.
  • Submit the filled application form along with the documents to the bank officer.
  • The bank officer will process the application form, and once completed, the Money account will be opened for the applicant.

मुख्यमंत्री राजश्री योजना

How to check bank balance of Jan Dhan account?

Due to the increasing spread of the Coronavirus, people are facing challenges and are unable to go out of their homes. To address this, the government is providing various facilities to the citizens. Some individuals wish to check their Jan Dhan account balance but are unable to visit the bank in person. To simplify this process, the bank has introduced an easier way to check the account balance. Now, people can check their Jan Dhan account balance from the comfort of their homes. There are two methods available for checking the Jan Dhan account balance, as outlined below.


Pradhan Mantri Jan Dhan Yojana 2024 has presented a unique medium of providing financial assistance to the countrymen. The scheme promises to provide assistance of Rs 10,000 with a simple process. Citizens will not need to go to their nearest bank to open new bank accounts, so that they can easily avail the benefits of this scheme. The experience of this process is important and is an important step in helping common citizens achieve economic security.


What is Pradhan Mantri Jan Dhan Yojana 2024?

It is a government scheme that aims to provide financial security to Indian citizens. Under this, an assistance of Rs 10,000 will be given on opening an account.

Is there any minimum amount required to operate the account?

No, this scheme provides the facility of account operation with zero balance, so that common people will not face any problem in using banking services.

How can I apply for Pradhan Mantri Jan Dhan Yojana 2024?

To open a new account, visit your nearest bank and follow the given process: Complete the application form, attach the required documents, and submit the application to the bank officer.

Who will this scheme benefit?

The benefit of this scheme will be available to all Indian citizens, who are opening a bank account for the first time and who are the head of a family or financial institution.

When is this scheme starting and in what time period will I get the benefit?

This scheme will start in 2024. It is necessary to operate the account in the first six months to receive benefits.

How can I check my account status?

You can check your account status online or visit your nearest bank branch and ask.

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