Launched by Prime Minister Narendra Modi in 2014, the Pradhan Mantri Jan Dhan Yojana (PMJDY) is a revolutionary financial inclusion scheme aimed at bringing every Indian household under the banking system. With benefits like zero balance accounts, free RuPay debit card, and insurance cover, it continues to empower millions in 2025.
In this article, we’ll explain the features, benefits, eligibility, and how to open a Jan Dhan account — along with all the latest updates for 2025.
✅ Key Features of PM Jan Dhan Yojana 2025:
| Feature | Details |
|---|---|
| Account Type | Savings account (Zero balance) |
| Minimum Balance | Not required |
| Debit Card | Free RuPay debit card issued |
| Accidental Insurance | ₹2 lakh |
| Life Insurance | ₹30,000 (conditions apply) |
| Overdraft Facility | Up to ₹10,000 (after 6 months of good transactions) |
| Interest on Savings | As per bank’s savings interest rate |
| Direct Benefit Transfer (DBT) | Subsidies directly into Jan Dhan account |
🎯 Benefits of PM Jan Dhan Yojana:
- Zero balance account – No need to maintain minimum balance
- Insurance protection for account holders
- Access to banking services for rural and poor populations
- Direct subsidy transfer from government schemes
- Financial literacy and awareness among citizens
- Mobile banking facility for basic services
📋 Eligibility Criteria:
- Indian citizen aged 10 years or above
- Should not already have a bank account
- Can be opened individually or jointly
- Special provision for minor accounts (with guardian)
📑 Documents Required to Open Jan Dhan Account:
- Aadhaar Card (preferred)
- Voter ID / PAN Card / Passport
- If Aadhaar is not available: Any officially valid document (OVD)
- 2 passport-size photographs
🔸 Note: Even without full documents, an account can be opened as a Small Account under relaxed KYC norms.
🏦 How to Open a Jan Dhan Account:
- Visit your nearest public or private sector bank
- Ask for the Jan Dhan account opening form
- Fill in your personal details and attach documents
- Submit the form – you will get a passbook and RuPay card within a few days
- Alternatively, use online banking portals (if supported by your bank)
📲 Jan Dhan Account Services via Mobile:
- Balance check through SMS or missed call
- Mini statement
- Aadhaar seeding
- Mobile number update
- Direct Benefit Transfer (DBT) tracking
🔍 Latest Updates for 2025:
- Accidental insurance cover increased to ₹2 lakh
- Enhanced Aadhaar linking and mobile seeding for faster transactions
- Promotion of UPI Lite and digital payments through Jan Dhan accounts
- Special campaigns in rural India for women and farmers