Are you also a Jandhan account holder? So get this done soon
About Pradhan Mantri Jan Dhan Yojana
The scheme was launched in August 2014, and according to the Ministry of Finance, over 4 crore banks accounts have been opened till September 2014. Under the PMJDY scheme, some of the financial services that are offered to individuals are pension, insurance, and banking.
Under PMJDY zero balance account can be opened by individuals. However, in case individuals would like to have access to the check facility, maintenance of a minimum balance is mandatory. No charges will be levied on the individual to open an account under the PMJDY scheme.
1. Beware if the account is not linked to support
2. Millions of rupees will be lost
If you want to take advantage of insurance, it is necessary to link your account with Aadhaar. If you do not link, you will lose up to Rs 1.3 lakh. Let me tell you that debit cards are issued to customers in this account.
Insurance up to Rs 1 lakh is available but if you do not link to Aadhaar, you will lose Rs 1 lakh.
Accidental Death Insurance cover of Rs. 30,000 is available on the account only when Aadhaar is linked to the bank account.
The Indian Government launched the Pradhan Mantri Jan Dhan Yojana (PMJDY) in order to provide financial services and products to individuals who do not have access to a bank account.
- No minimum balance to be maintained
- As per bank’s saving’s account interest rate
- Transfer of money is simple
- Overdraft facility available
Linked account this way
You will also need to go to the bank and take a photocopy of the card, passbook to link the account with Aadhaar. Many banks can now also be linked to Aadhaar via message. State Bank of India customers can go to the message box from their registered mobile number and send the UID <SPACE> Aadhaar number <SPACE> account number to 567676. Your bank account will be linked to Aadhaar.
Customers get an overdraft facility of Rs 5,000 on the Prime Minister's Jan Dhan account. You need to have an Aadhaar card to avail the overdraft facility. Apart from this PMJDY account should also be linked with Aadhaar card. Under the scheme, PM Modi's aim was to open a bank account for every family. Under Jan Dhan Yojana, you can also open an account for a child below 10 years of age.
ગુજરાતી વાંચવા માટે અહીં ક્લિક કરો
The benefits of this account
1. Overdraft facility after 6 months
2. Accidental insurance cover up to Rs 2 lakh
3. Life cover up to Rs. 30,000
4. Interest is earned on the deposit.
5. Free mobile banking facility is also provided with the account.
6.A rupee debit card is issued to the person opening the Jan Dhan account, from which money can be withdrawn or purchased from that account.
7.Money transfer facility across the country
8. Benefit money from government schemes goes directly into the account.
