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प्रधानमंत्री जन धन योजना 2026: ज़ीरो बैलेंस खाता और लाभ
Quick facts: Zero-balance savings account at any bank · RuPay debit card free · ₹1 lakh accident insurance + ₹30,000 life insurance · overdraft up to ₹10,000 after 6 months · over 53 crore accounts nationwide · scheme portal pmjdy.gov.in.
Launched on 28 August 2014, the Pradhan Mantri Jan Dhan Yojana (PMJDY) is the world’s largest financial-inclusion programme. It exists for one reason: every Indian adult should have access to a bank account, no matter how poor. No minimum balance, no complex paperwork, and a free debit card that works at any ATM. As of 2026, over 53 crore Jan Dhan accounts are active, with more than ₹2.5 lakh crore in deposits — serving mostly women, rural workers, students, and first-time bank customers.
PMJDY में क्या-क्या मिलता है — Complete Benefits
| Benefit | Details |
|---|---|
| Zero-balance savings account | No minimum balance requirement |
| RuPay debit card | Free, works at all ATMs and POS |
| Accident insurance | ₹1 lakh (₹2 lakh for accounts opened after Aug 2018) — via PMSBY |
| Life insurance | ₹30,000 for accounts opened between 15 Aug 2014 and 31 Jan 2015 (legacy) |
| Overdraft (OD) | Up to ₹10,000 after 6 months of satisfactory operation |
| Aadhaar-linked DBT | All central govt benefits (PMAY, PM-KISAN, LPG subsidy, etc.) can flow into this account |
| Mobile banking | Free via USSD / *99# / bank’s app |
| Chequebook | Available on request (small charges may apply) |
The ₹10,000 overdraft facility is the most under-used benefit — many account holders never know about it. It’s effectively a small emergency credit line without collateral or guarantor.
पात्रता — Who Can Open a PMJDY Account
- Any Indian citizen aged 10 or above
- Single or joint account allowed
- No minimum balance requirement
- No income cap — rich or poor, all eligible
- Existing regular savings account holders can also convert to PMJDY by linking Aadhaar + RuPay card
- Minors (age 10+): can open with self-operated basic banking facilities
You don’t qualify for OD facility if
- Account is under 6 months old
- Transaction history shows anomalies (bounced cheques, suspected money-mule use)
- CIBIL score is very poor (few banks enforce minimum)
आवश्यक दस्तावेज़ — Documents Required
For most applicants — just your Aadhaar is enough (as of 2026 simplified KYC):
- Aadhaar card
- One passport-size photograph
- Aadhaar-linked mobile number (for OTP)
Alternative KYC (if no Aadhaar)
- Voter ID + NREGA job card OR
- Passport + driving license OR
- Any two of: PAN, Voter ID, DL, Passport, Job Card
For minors
- Birth certificate + parent’s KYC
खाता कैसे खोलें — How to Open the Account
Option 1: In-branch (most common)
- Visit any PSU, RRB, private bank, or cooperative bank
- Ask for “Jan Dhan Yojana Account Opening Form” (PMJDY Form)
- Attach Aadhaar + photo
- Submit → account opens same day or within 3 working days
- RuPay debit card delivered to your registered address in 10-15 days
Option 2: Through Bank Mitra / Business Correspondent
Bank Mitra (also called Business Correspondents) set up in remote villages can open Jan Dhan accounts on-site. They carry micro-ATM devices and biometric scanners.
- Find your nearest Bank Mitra — ask at your Gram Panchayat
- Open account with biometric KYC (fingerprint/iris)
- Get instant account number
- RuPay card posted to your address
Option 3: Online (existing bank customers)
If you have a regular savings account at HDFC, ICICI, SBI, or PNB, you can often convert / open an additional PMJDY account through the bank’s net banking:
- Log in to net banking or mobile app
- Navigate to “Open New Account” → select “Jan Dhan”
- Provide Aadhaar OTP
- Account opens — free RuPay card shipped
ज़ीरो बैलेंस और OD कैसे काम करता है — Zero Balance and Overdraft
Zero balance — no fees
Most regular savings accounts levy charges if your balance drops below ₹1,000-10,000. PMJDY has no such minimum. You can keep ₹0 for months and no charges are deducted. Free debit card + free transactions + free SMS alerts.
Overdraft ₹10,000 — how to access
- Account must be 6+ months old with regular transactions
- Aadhaar-linked and OD-eligible (bank checks this during annual KYC)
- Approach your branch → request “OD under PMJDY”
- Bank reviews activity → approves up to ₹10,000
- You can withdraw the ₹10,000 as a demand loan — repay within 36 months
- Interest rate: bank’s standard (usually 12-15% p.a.) — low for the benefit vs what MFIs charge
When it helps: medical emergency, stock-replenishing for small shop, travel for govt scheme application. Not a substitute for regular credit.
PMSBY + PMJJBY — Optional Add-ons
Every PMJDY holder can enrol into two micro-insurance schemes via the same account with one-click:
- PMSBY: ₹20/year premium → ₹2 lakh accidental death / ₹1 lakh partial disability cover
- PMJJBY: ₹436/year premium → ₹2 lakh life insurance (natural or accidental death)
Total for both: ₹456/year for ₹4 lakh combined cover. Enrol at your branch or via net banking — usually a 2-click process.
Digital + Mobile Banking
- RuPay debit card works at all ATMs (up to 5 free transactions/month at non-home ATMs)
- USSD *99# for mobile banking without internet: balance check, mini-statement, transfer up to ₹5,000/day
- Mobile app of your bank works like any regular app
- UPI payments supported — link your PMJDY account on GPay / PhonePe / Paytm
अगर खाता निष्क्रिय हो — If Account Becomes Inactive
- No transaction for 12 months → account marked inactive
- Reactivate by visiting branch with Aadhaar + fresh KYC
- Reactivation fee: ₹0 for PMJDY (unlike regular accounts)
हेल्पलाइन — Official Helpline
| Service | Number |
|---|---|
| PMJDY Helpline | 1800-110-001 |
| PMJDY alt | 1800-11-0001 |
| Bank-specific | check your bank’s customer care |
| Portal | https://pmjdy.gov.in |
Related guides on LabhKosh
- PMJJBY ₹436 Life Insurance
- PMSBY ₹20 Accident Insurance
- PM-Kisan DBT Account Linking
- Aadhaar-NPCI Bank Seeding Process
🏠 अपनी जमीन का रिकॉर्ड देखें Download the bhulekh app — खसरा, खतौनी, भू-नक्शा सब एक जगह।
Last verified: 20 April 2026. Official source: https://pmjdy.gov.in
Yeh website kisi bhi sarkari vibhaag se sambandhit nahi hai. Yahan di gayi jaankari sirf shaikshanik uddeshya ke liye hai.
I already have a savings account. Can I also open Jan Dhan?
Yes, at a different bank, or by converting your existing account to PMJDY to waive minimum-balance penalties. Most banks allow one savings account per customer.
Can every family member have their own Jan Dhan account?
Yes. PMJDY is individual and every family member aged 10 or above can have their own account. This helps direct government DBT benefits to the correct recipient.
Are there any fees on a Jan Dhan account?
No. Zero minimum balance, zero maintenance. Only a small RuPay card replacement fee (~₹50) applies if the card is lost.
Is the ₹2 lakh PMSBY insurance automatic with PMJDY?
No, it’s optional. You must enrol separately for ₹20 per year. Enrolment is a one-click process at your branch or via net banking.
When can I get the ₹10,000 overdraft under PMJDY?
After 6 months of satisfactory account activity, the bank may sanction up to ₹10,000 as overdraft at its standard interest rate, repayable within 36 months.
