Know Pradhan Mantri Jan Dhan Yojana Online Apply & Benefits

The Pradhan Mantri Jan Dhan Yojana account is a financial safety net offered by the Indian government to bring economically underprivileged Indians under the purview of a formal financial institution. The program aims to connect with every adult and encourage them to open accounts with accessible banking services. Due to eligibility requirements that prevent them from maintaining those accounts, low-income, unorganized sectors with daily wagers are unable to choose private banking facilities. However, the PMJDY gives Indian citizens access to all banking privileges in zero-balance accounts, enabling them to save money as they earn it without relying on private and unreliable saving cooperatives.

Objectives Of The Pradhan Mantri Jan Dhan Yojana

  • You probably already know that a lot of people are either unable to open bank accounts or are not aware of the financial services that the bank provides.
  • The Pradhan Mantri Jan Dhan Yojana offers the facility to open a bank account with no minimum balance to the economically underprivileged and socially backward classes of the nation. It also offers food assistance, transfer services, insurance, and pension options to families in need.
  • The Pradhan Mantri Jan Dhan Yojana offers low-income families in the nation access to financial services like banking and savings, deposit accounts, remittances, loans, insurance, and pensions. 
  • The aim of the Pradhan Mantri Jan Dhan Yojana is to promote financial inclusion and empower economically disadvantaged sections of society. Through this scheme, the government aims to ensure that every individual has access to basic banking services and can avail themselves of various financial benefits offered by the bank. 

Advantages of the Pradhan Mantri Jan Dhan Yojana

  • Under this plan, any citizen of the country may open a bank account for themselves as well as one for a child up to the age of ten.
  • Accounts opened under the Pradhan Mantri Jan Dhan Yojana will also include accident insurance up to Rs. 1 lakh.
  • If the Pradhan Mantri Jan Dhan Yojana recipient passes away normally, he will receive Rs. 30,000 in life insurance.
  • By opening a Jan Dhan account with any bank, eligible beneficiaries of PMJDY 2021 can obtain loans of up to Rs 10,000 without the need for a paper document.
  • Participants in government programs will directly profit from these accounts.
  • overdraft facility will be offered. Every household has a bank account, especially a female account with a balance of Rs5000/- 
  • The Pradhan Mantri A vital component of banking and financial services savings is Jan Dhan Yojana (PMJDY). The National Mission for Financial Inclusion seeks to increase accessibility to deposit accounts, remittances, credit, insurance, and pensions.
  • The account may be opened at any bank branch or business correspondent (Bank Mitra) location.
  • The accounts made under PMJDY had no balance at the beginning.
  • However, the minimum balance requirements must be met if the account holder wants the checkbook.
  • A total of Rs 117,015.50 crore has been deposited into beneficiary bank accounts as of yet by 38.22 crore beneficiaries.

Required Documents for Pradhan Mantri Jan Dhan Yojana

  • Aadhaar Card/Identity Card/Identity Card of the Applicant PAN Card for a Driver’s License / PAN Card for a Driver’s License
  • Address Verification
  • Photo of Passport Size
  • Phone Number

How Can to Check the Jan Dhan Account’s Bank Balance?

The coronavirus outbreak is spreading across the nation, as you are all aware, and is causing more suffering for the populace. The government is providing a range of services to land residents who are unable to leave their homes as a result of the pandemic.

Some people want to check the balance of their Jan Dhan accounts but are unable to visit the bank. You can check the balance of your Jan Dhan Account in one of two ways, which we’ve listed below.

Using the portal

  • You must first visit the official website of the PFMS. You will see the home page when you access the official website.
  • The “Know Your Payment” option is available on this homepage.  You have to choose this. The next page will load in front of you after you make your selection.
  • Your bank’s name and account number must be entered on this page. The account number needs to be entered twice. You must enter the account number and then correctly enter the captcha code.
  • Then, from the drop-down menu, you must choose Send OTP to Registered Mobile Number. After that, you will receive an OTP on your mobile device, which you can enter to check your bank balance.

By way of missed calls

  • You can check your bank balance via missed calls if you don’t want to use the website to check the balance of your Jan Dhan account.
  • Call 8004253800 or 1800112211 if you want to check the status of your Jan Dhan account at the State Bank of India.
  • But you have to give a missed call from the same line that your bank account number uses.


It’s a great way to empower people financially and advance financial inclusion that the PMJDY program opened a savings account with no balance. By providing access to basic banking services, individuals can save money securely and have the opportunity to build a strong financial foundation for themselves and their families. Additionally, this initiative encourages individuals to develop a habit of saving, which can lead to long-term financial stability and independence. in order for growth and development to be advantageous to all.

Leave a Comment