Important news for Jan Dhan account holders: It is mandatory to get Re-KYC done by 30 September, RBI announced..

If you have opened a bank account under the Pradhan Mantri Jan-Dhan Yojana, then there is some important news for you. The Reserve Bank (RBI) has made it clear that now a large number of Jan Dhan accounts need to be updated again with KYC (Know Your Customer).

RBI Governor Sanjay Malhotra said on Wednesday that on the occasion of the completion of 10 years of the Jan Dhan Scheme, accounts are being reviewed across the country, and under this, KYC camps are being organized at the panchayat level from July 1 to September 30, 2025.

Why is re-KYC necessary?

Re-KYC means that you will have to update the personal and address-related documents given earlier in your bank account again (Jan Dhan account update). Its purpose is that the bank keeps correct and up-to-date data about you so that your account remains active and there is no problem in the future.

Facility is being provided at the Panchayat level.
The RBI Governor said that camps are being set up at the Panchayat level so that Jan Dhan account holders living in villages do not need to go to the bank. Banks are now trying to provide service at the doorstep. In these camps, not only KYC, but facilities like opening new accounts, customer complaint resolution, micro insurance, and pension schemes are also being provided.

What is Jan Dhan Yojana, and what are its benefits?

The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a government program aimed at connecting every citizen with banking. In this, any person who does not already have a bank account can open a basic savings account without any minimum balance.

These benefits are available under this scheme:
RuPay debit card is given with the account.

Accidental insurance cover of up to Rs 2 lakh is available.

It becomes easy to transfer money to the account, take a pension, and receive a subsidy.

An account can be opened without going to the bank branch through a bank friend or business correspondent.

More than 55.90 crore people have joined this scheme.

So far, more than 55.90 crore accounts have been opened under this scheme, which shows that it is one of India's largest financial inclusion programs. The PMO itself has said that the Jan Dhan Yojana has eliminated the gap between the poor and the banks, and now those people are also a part of the banking system who were earlier deprived of it.

More than 53 crore people have got loans from Mudra Yojana.

Along with the Jan Dhan Yojana, the government has also launched the Pradhan Mantri Mudra Yojana (PMMY), under which 53.85 crore loans worth more than Rs 35 lakh crore have been distributed so far. These loans help small businesses and self-employment, and increase income. Under this scheme, a loan of up to Rs 20 lakh is available without any guarantee.

It is easy to claim the bank locker and property of deceased account holders
RBI has also announced that a simple and easy process is being introduced for the locker or property kept in the bank of the account holders who have passed away, so that their families do not face any problem in claiming.

What should Jan Dhan account holders do?

If you have a Jan Dhan account, then:

Before 30 September 2025, go to the nearest camp and get your KYC done again.

If there is no camp in your village or panchayat, then contact your bank.

Keep your ID and address proof, like Aadhaar card or voter ID with you.

Crores of people associated with Jan Dhan Yojana have got a place in the banking world. But now to maintain and improve this facility, it is important that KYC is updated on time. This will keep your account active, you will be able to take advantage of government schemes and your RuPay card will also keep working.

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