Pradhanmantri Jan Dhan Yojana 2021
Under this scheme, the poor people of all rural and urban areas of the country will be benefited. Under this scheme, if an eligible beneficiary dies due to opening of account in case of death due to any reason, then an additional insurance cover of Rs. 30,000 will also be given by the central government to the beneficiary’s family. provide an additional insurance cover of Rs 30,000 to the beneficiary’s family.) Pradhanmantri Jan Dhan Yojana 2021 is also called Jan Dhan account. Under this scheme poor people can open their account very easily. They will neither have to pay any money nor will they have any problem in opening the account. Through this scheme, the people of the country will get financial services easily.
Amount sent to Jan Dhan Yojana
Due to the lockdown in the country, an amount of Rs 500 is being transferred to the Jan Dhan accounts of the women of poor families. Under this scheme, Rs 1.20 lakh crore was deposited in the accounts of poor women of the country till April 1, 2020. But now according to the official data, the amount deposited in the accounts opened under Pradhan Mantri Jan Dhan Yojana increased to Rs 1.28 lakh crore in the week ended April 8, 2020. On April 8, Rs 1,27,748.43 crore was deposited in the accounts of 38.12 crore women. Under the Pradhan Mantri Garib Kalyan Yojana launched by the central government, Rs 9,930 crore has been transferred to the accounts of 9.86 crore women Jan Dhan account holders.
Factors of Pradhan Mantri Jan Dhan Yojana
PMJDY scheme consists of 6 pillars which are as follows.
Access to banking facilities
With this, they are trying to put each district in SSA which means the sub-service area under which at least one to two thousand houses will be covered within a range of 5 km.
Basic Banking Facility
He aimed at least one bank account in every unsold household so that it could inculcate the culture of banking habits in every household and convince them to save their hard-earned money in a bank account.
Financial Literacy Program
To educate them about financial literacy, so that they can operate an ATM card and know its benefits.
Once you open the account and operate it satisfactorily for the next six months, you are eligible for a credit facility of Rs.5000 and the bank will ask you for any security, purpose, or use of credit. Won’t ask for
Micro Insurance Facility
With this, all BSBD (Basic Savings Bank Deposit) account holders are eligible for microinsurance and there are two insurance schemes for this.
Pradhan Mantri Jeevan Bima Yojana (PMJBY)
Under this, the beneficiary will get a life insurance cover of Rs 2 lakh and for this, they will have to pay a premium of only Rs 330 per year
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
This insurance scheme will give you an accidental cover of Rs 2 lakh and for this you will have to pay a premium of only Rs 12 per annum.
RuPay Debit Card
Once you open the account you will get a RuPay Card (ATM Card) which includes accidental insurance of Rs 2 lakh only.
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Benefits of Pradhan Mantri Jan Dhan Yojana 2021
➥ Any citizen of the country can open his account in banks under this scheme and a small child up to 10 years can also open an account under this scheme.
➥ Accident insurance up to Rs 1 lakh will also be covered on opening an account under this PM Jan Dhan Yojana 2021.
➥ Under the Pradhan Mantri Jan Dhan Yojana, life insurance of Rs 30,000 will be payable to the beneficiary on the reimbursement of normal conditions on his death.
➥ Under PMJDY 2021, interested beneficiaries can take a loan of up to Rs 10,000 without any paper magazine to the account holders on opening a Jan Dhan account in any bank.
➥ Beneficiaries of government schemes will get direct benefits in these accounts.
➥ Overdraft facility of Rs.5000/- will be provided in one account of each family, especially women account.
➥ Pradhan Mantri Jan-Dhan Yojana (PMJDY) is the National Mission for Financial Inclusion to ensure affordable access to financial services like Banking, Savings/Deposit Accounts, Remittance, Credit, Insurance, Pension.
➥ The account can be opened at any bank branch or Business Correspondent (Bank Mitra) outlet.
➥ The accounts opened under PMJDY are being opened with zero balance.
➥ However, if the account holder wants to get the checkbook, he/she has to fulfill the minimum balance criteria.
➥ So far 38.22 crore beneficiaries have deposited money in the banks and so far Rs 117,015.50 crore has been deposited in the bank account of the beneficiaries.
Eligibility to get life insurance cover
➥ The account has been opened by the applicant in the bank for the first time.
➥ 15 if this account was opened between 2014 to 26 January 2015 under Pradhan Mantri Jan Dhan Yojana.
➥ The benefit of this scheme can be availed by the applicant only if he is the head of the family or the earning member of the family and his age is between 18 to 59 years. Central or state government employees cannot take advantage of this scheme.
➥ Retired central or state government employees also cannot take advantage of this scheme.
➥ Tax-paying citizens also cannot take advantage of this scheme.
Documents of Jan Dhan Scheme PM 2021
Applicant’s Aadhar Card / Identity Card / Driving License / PAN Card
passport size photo
How to apply in Pradhan Mantri Jan Dhan Yojana 2021?
Interested beneficiaries of the country who want to open their account under this Pradhan Mantri Jan Dhan Yojana 2021, then they will have to go to their nearest bank. After going to the bank, you will get the application form to open a Jan Dhan account from there. After taking the application form, you have to fill all the information asked in the application form. After filling all the information, you have to attach all your necessary documents along with the application form and submit the filled application form to the bank official. Money account will be opened.
How to check Jan Dhan’s account bank balance?
As you all know that the outbreak of corona virus is increasing in the country, due to which people are facing a lot of problems again. Due to this epidemic, the citizens of the country are not able to even go out of the house, so the government is providing many facilities to the citizens of the country. Some people want to see the balance of their Jan Dhan account, they are also unable to go to the bank, to overcome this problem, the bank has now simplified the way to check the bank balance, now people will not need to go anywhere, now they sit at home. Only balance check of Jan Dhan account can be done. You can check Jan Dhan account balance in 2 ways. which we have given below.
through the portal
First of all you have to go to the official website of PFMS. After visiting the official website, the home page will open in front of you.
On this home page, you will see the option of Know Your Payment. You have to click on this option. After clicking on the option, the next page will open in front of you.
Jan Dhan account bank balance
➥ On this page you will have to enter your bank name, your account number. Here you have to enter the account number twice. After entering the account number, you have to enter the captcha code.
➥ And then you have to click on Send OTP on Registered Mobile Number. After this OTP will come on your mobile number, then you can check your bank balance by entering OTP.
via missed call
➥ If you do not want to check Jan Dhan account balance through the portal, then you can also check your bank balance through missed call.
➥ If you have Jan Dhan account in State Bank of India then you can give missed call on number 8004253800 or 1800112211.
➥ But you have to make missed call from the same mobile number which is registered in your bank account.
bank login process
➥ First of all, you have to go to the official website of Pradhan Mantri Jan Dhan Yojana. Pradhan Mantri Jan Dhan Yojana home page will now open in front of you.
➥ On the home page, you have to click on the right to us tab.
➥ Now you have to click on the link of bank login. Bank Login
➥ Now a new page will open in front of you in which you will have to enter user-id and password.
➥ After that you have to click on the sign in button.
➥ In this way you will be able to login.
Account Opening Form Download Process
➥ First of all, you have to go to the official website of Pradhan Mantri Jan Dhan Yojana.
➥ Now the home page will open in front of you. On the home page, you have to go to the section of e-document.
➥ After this, you have to click on the option of – English as per your requirement.
➥ As soon as you click on this option, the account opening form will open in front of you.
➥ Now you have to click on the download option.
➥ In this way you will be able to download your account opening form.
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