PM Jan Dhan Yojana Online Apply 2026 – Step-by-Step Process, Benefits & apply.pmjdy Guide

PM Jan Dhan Yojana Online Apply 2026 – Step-by-Step Process, Benefits & apply.pmjdy GuideThe Pradhan Mantri Jan Dhan Yojana (PMJDY) is one of India’s most successful financial inclusion schemes, launched by the Government of India to ensure universal access to banking services. As we move into 2026, PM Jan Dhan Yojana continues to play a crucial role in empowering low-income households, rural citizens, women, and migrant workers by providing zero-balance bank accounts, insurance cover, and direct benefit transfers (DBT).

What is Pradhan Mantri Jan Dhan Yojana (PMJDY)?

PMJDY is a Government of India savings account scheme that allows any Indian citizen to open a zero balance bank account with access to:

• Banking & savings facilities
• Debit card (RuPay)
• Insurance coverage
• Pension & loan linkage
• Direct government benefit transfers

Objectives of Pradhan Mantri Jan Dhan Yojana (PMJDY)

Universal Access to Financial Services: The primary objective is to ensure that every household in India has access to basic financial services like a bank account — even if they were previously excluded from the banking system. This includes availability of a basic savings bank account at an affordable cost

Financial Inclusion of All Segments: PMJDY is a national financial inclusion mission with an integrated framework to bring all families into the formal banking fold — especially weaker sections and low-income groups that were previously unbanked.

Facilitating Banking Services: 

• Basic savings & deposit accounts
• Need-based credit
• Remittance (money transfer) facility
• Insurance
• Pension products

Financial Literacy and Awareness : Promote financial literacy to increase awareness about financial products (how to save, use banking tools, credit, etc.), so people can make informed financial decisions.

Direct Benefit Transfer (DBT): Channel all Government subsidies, welfare benefits, and payments directly into the beneficiaries’ bank accounts using the DBT system — removing middlemen and reducing leakages.

Promote Cashless & Digital Transactions : Encourage adult account holders to use digital platforms such as mobile banking, RuPay debit card transactions, and telecom-linked cash-out points.

Overdraft Facility : After satisfactory operation of an account for 6 months, an overdraft facility is extended — helping households meet small credit needs without going to informal lenders.

Promote Savings Habit & Credit Support: Encourages people — including in rural and semi-urban areas — to start saving and build financial discipline. The scheme also improves citizens’ access to formal credit (affordable loans) when required.

PM Jan Dhan Yojana 2026

Zero Balance Savings Account :

• No minimum balance required
• Open account in public or private sector banks
• Interest earned as per bank rules

RuPay Debit Card

• Free RuPay ATM/Debit Card
• Accepted across India
• Supports online and POS transactions

3. Insurance Benefits (2026)

• Accidental Insurance: ₹2,00,000
• Life Insurance: ₹30,000 (subject to eligibility)

4. Overdraft Facility

• Overdraft up to ₹10,000
• Available after satisfactory account operation
• Preference given to women account holders

Eligibility for Jan Dhan Account

The Pradhan Mantri Jan Dhan Yojana (PMJDY) is open to almost every Indian citizen. The eligibility rules are simple so that people from all income groups, especially the poor and unbanked, can easily open a bank account.

Citizenship Requirement

• The applicant must be an Indian citizen.
• There is no caste, category, or income restriction.

Age Limit

• Minimum age: 10 years
• There is no upper age limit.
• Minors (10–18 years) can open a Jan Dhan Minor Account with a parent or guardian.

Bank Account Status

• People who do not have any bank account are the main beneficiaries.
• If you already have a savings account, it can be converted into a Jan Dhan account.

KYC Eligibility

To open a full Jan Dhan account, the applicant must have any one valid KYC document, such as:

• Aadhaar Card
• Voter ID
• PAN Card
• Passport
• Driving License
• NREGA Job Card

Eligibility Without Full Documents

If you do not have complete KYC documents:

• You can open a Small Jan Dhan Account
• Only a photograph and self-declaration are required
• Account has limited transaction limits
• Can be upgraded to a full account later

Eligibility for Overdraft Facility

Overdraft up to ₹10,000 is available if:

• Account is at least 6 months old
• Account is active with regular transactions
• Only one account per household is eligible (preferably a woman)

Documents Required for Jan Dhan Account (Full List)

To open a Pradhan Mantri Jan Dhan Yojana (PMJDY) account, applicants must submit Know Your Customer (KYC) documents. The government has kept documentation simple so that even economically weaker citizens can easily open an account.

Aadhaar Card (Preferred Document)

• Most accepted document
• Used for identity + address proof
• Enables biometric verification
• Required for Direct Benefit Transfer (DBT)
• Not mandatory, but highly recommended

Identity Proof (Any ONE of the following)

You can submit any one of these documents:

• Voter ID Card
• PAN Card
• Passport
• Driving License
• Government-issued Photo ID
• Pension Card
• Freedom Fighter ID Card

Address Proof (If Aadhaar Not Used)

If Aadhaar is not provided, submit any one:

• Voter ID Card
• Passport
• Driving License
• Electricity Bill
• Water Bill
• Telephone Bill
• Ration Card
• Rent Agreement (as per bank rules)

NREGA Job Card

• Accepted as both ID and address proof
• Especially useful for rural applicants

How to Apply for PM Jan Dhan Yojana?

Applying for a PM Jan Dhan Yojana (PMJDY) account is very easy. You can open the account at any bank branch or Bank Mitra / CSP center. Below is the step-by-step process:

Step-by-Step Process to Apply

Visit the Nearest Bank

• SBI
• Bank of Baroda
• PNB
• HDFC
• ICICI
• Axis Bank
• Regional Rural Banks

PMJDY Account Opening Form

Ask for the Account Opening Form (Form: Financial Inclusion Account).

• Name
• Address
• Date of Birth
• Aadhaar detail
• Occupation
• Declaration for zero balance account

Submit Required Documents (KYC)

You must submit any of the following:

• Aadhaar Card (most preferred)
• Voter ID
• PAN Card
• Passport
• Driving License
• NREGA Job Card

Biometric Verification

• Fingerprin
• Photograph
• Aadhaar authentication (if applicable)

Receive Your Account Number

• Account Number
• Passbook
• RuPay Debit Card (activated after 1–2 days)

Maintain Basic Account Activity

• Overdraft up to ₹10,000
• Insurance claim eligibility

PM Jan Dhan Yojana – FAQ (Frequently Asked Questions)

1. What is PM Jan Dhan Yojana (PMJDY)?

• PMJDY is a financial inclusion scheme that allows every Indian citizen to open a zero-balance bank account with access to banking, insurance, and government benefits.

2. Who can open a Jan Dhan account?

• Any Indian citizen aged 10 years or above can open this account. Minors can open the account with a guardian.

3. Is there any minimum balance requirement?

• No. PMJDY accounts are zero-balance accounts, and no minimum balance is required.

4. Which documents are required to open a Jan Dhan account?

• Aadhaar Card (most preferred)
• Voter ID
• PAN Card
• Passport
• Driving License
• NREGA Job Card

5. Can I open the account online?

• You cannot open a Jan Dhan account fully online.
• However, you can download the form online and submit it to the bank.