Pradhan Mantri Jan Dhan Yojana
✓ Information verified — June 2026A National Mission for Financial Inclusion (NMFI), namely, Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched by the Prime Minister across the country on 28th August, 2014. It envisages to provide universal banking services for every unbanked adult in the country.
What You Get
- Open a basic savings bank account with zero minimum balance
- Get a RuPay debit card for withdrawals and purchases
- Access to overdraft facility (small loan) after 6 months of good account usage
- Life insurance cover of ₹30,000 on the debit card holder
- Accident insurance cover of ₹1,00,000
- Eligibility for government benefits and subsidies through direct bank transfer
- Mobile banking and online transaction facilities
Who Can Apply
- Age: 0–100 years
- Any Indian citizen aged 18 years or above
- Must not have an existing bank account
- No income limit or educational qualification required
- Available to all—farmers, laborers, self-employed, homemakers, and others
- Can open account at any bank branch or through banking correspondents
Documents Needed
0/6 collected
- 1. Aadhaar Card
- 2. Voter ID Card
- 3. Passport
- 4. Driving License
- 5. Ration Card
- 6. Mobile Number
How to Apply
- 1Check your eligibility criteria above
- 2Gather all required documents listed below
- 3Visit the official portal (linked below)
- 4Fill the application form online / offline
- 5Submit the form and note your application reference number
- 6Track status on the official portal or visit nearest CSC
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Quick Facts
- Scheme Level
- Central Government
- Ministry
- Ministry Of Finance
- Category
- Financial
- Target Gender
- All genders
- Age Group
- 0–100 years
- Launched
- 28 Aug 2014
- Application
- Check portal
- Last Updated
- 14 Jun 2026
Official Source
Last Verified
14 June 2026
Official Portal
www.myscheme.gov.in/schemes/pmjdyNodal Ministry
Ministry Of Finance
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