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Pradhan Mantri Jan Dhan Yojana (PMJDY): 2026 Guide to Eligibility & Application

Comprehensive guide to Pradhan Mantri Jan Dhan Yojana (PMJDY). Review benefits, eligibility matrix, application procedure, and official documents.

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Official Guide and Eligibility Framework for Pradhan Mantri Jan Dhan Yojana (PMJDY) — Official government public welfare building and civic benefits administration
🇮🇳India
Government Scheme
Verified Editorial Visual
Editorial overview visual for Pradhan Mantri Jan Dhan Yojana (PMJDY). Verified against official sovereign gazette rules.Source: Civic Benefits Media Repository • EDITORIAL_VERIFIED

PMJDY Program Summary

About PMJDY

Pradhan Mantri Jan Dhan Yojana (PMJDY) is the National Mission for Financial Inclusion launched on 28th August 2014 to ensure access to financial services, namely, a basic savings & deposit account, remittance, credit, insurance, and pension in an affordable manner. Key Benefits 1. **Zero Minimum Balance:** No minimum balance required to maintain the account. 2. **Interest on Deposit:** Normal savings bank interest accrued on deposits. 3. **RuPay Debit Card:** Free RuPay debit card issued to account holders. 4. **Accident Insurance Cover:** Inbuilt accidental death insurance cover of ₹2,00,000 on RuPay cards issued after 28.08.2018. 5. **Overdraft Facility:** Overdraft (OD) facility up to ₹10,000 to eligible account holders (one per household, preferably lady of the house) after 6 months of satisfactory operation. Administered under statutory authority by Ministry of Finance, Pradhan Mantri Jan Dhan Yojana (PMJDY) is designed to safeguard eligible families, low-income workers, and qualifying citizens from economic hardship while promoting wellbeing and development.

Program Benefits & Allotments

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Benefit ProvisionCategoryFrequencyStatutory AllotmentConditions & Limits
Zero Balance Savings AccountfinancialongoingZero BalanceGovernment Welfare Grant
₹2,00,000 RuPay Accidental Insuranceinsuranceas-needed₹2,00,000Government Welfare Grant
₹10,000 Overdraft FacilityloanrevolvingUp to ₹10,000Government Welfare Grant

Eligibility Matrix

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FactorRule / RequirementThresholdStatusAuthoritative Source
ageage must satisfy: 10VerifiedMandatoryVerified Government Assessment

How to Apply

1

Visit Bank Branch or Bank Mitra (CSP)

Approach any public/private commercial bank branch or rural Bank Mitra.

2

Submit Account Opening Form

Complete the PMJDY account opening form with Aadhaar and mobile details.

3

Instant e-KYC Verification

Complete biometric fingerprint authentication for instant account number generation.

4

Receive RuPay Card & Passbook

Bank delivers passbook and active RuPay debit card.

Apply on Official Government Portal

Required Documents

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Frequently Asked Questions About PMJDY

Yes, account holders can request their bank branch in writing to convert an existing savings account into a Basic Savings Bank Deposit Account (BSBDA) under PMJDY to avail RuPay benefits.
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