Jan Dhan Account Holders Alerted: Complete Re-KYC by September 30 to Avoid Account Freeze

If you opened a Jan Dhan account 10 years ago, this is a crucial update for you. The government and banking authorities have issued an alert for all Pradhan Mantri Jan Dhan Yojana (PMJDY) account holders, urging them to complete Re-KYC (Know Your Customer) by September 30, 2025. Failure to do so may result in your account being temporarily frozen—meaning you will not be able to withdraw funds, receive direct benefit transfers (DBT), or conduct any transactions.

Why Re-KYC Is Important for Jan Dhan Accounts

Re-KYC is a mandatory process for updating your personal and contact details with the bank. It ensures that the account is being operated by the rightful holder and is not being misused. If your account reaches the 10-year milestone and your KYC hasn’t been updated since opening, you are required to complete the process to keep your account active.

Re-KYC typically involves submitting updated address proof, ID proof (like Aadhaar), and possibly a new mobile number if the earlier details have changed. Banks use this information to verify your identity and secure your account from fraud or unauthorized usage.

Government-Supported KYC Camps Across Villages

To ease the process for rural and remote users, the government has launched Re-KYC camps at every village panchayat level, operating from July 1 to September 30, 2025. You don’t need to visit a bank branch or stand in long queues—just walk into your nearest camp with your Aadhaar card and address proof, and complete the process in minutes.

This step is part of the 10th-anniversary drive of the Jan Dhan Yojana, and officials aim to ensure that no account holder is left out of the banking network due to inactive status or outdated KYC.

Benefits of Updating Your Jan Dhan Account

Once you update your KYC, your account remains active and eligible for several government-backed schemes and financial services. Here are some key benefits you can enjoy:

1. Direct Benefit Transfers (DBT): You’ll continue to receive subsidies for LPG, food grains, pensions, and more directly into your account.

2. RuPay Debit Card: This card comes with accidental insurance coverage up to ₹2 lakh, which may become invalid if your account is frozen.

3. Zero Balance Account: Jan Dhan accounts require no minimum balance, making them accessible for economically weaker sections.

4. Interest Earnings: You earn interest on the savings in your account.

5. Overdraft Facility: Eligible account holders can access an overdraft of up to ₹10,000.

Additional Schemes Linked to Jan Dhan Accounts

Updating your Re-KYC also allows access to a variety of insurance and pension schemes:

• PM Jeevan Jyoti Bima Yojana (PMJJBY): ₹2 lakh life insurance for just ₹330 per year.

• PM Suraksha Bima Yojana (PMSBY): ₹2 lakh accident insurance for only ₹12 annually.

• Atal Pension Yojana (APY): Monthly pension between ₹1,000 and ₹5,000 post-retirement.

How to Complete Your Re-KYC

Here’s a simple step-by-step guide to completing the process:

1. Visit your bank branch or the designated Re-KYC camp.

2. Carry your Aadhaar card and proof of address.

3. Fill out the Re-KYC form provided by the bank or officials at the camp.

4. Submit the necessary documents.

5. Once verified, your KYC will be updated, and your account will remain fully functional.

Final Reminder

If your Jan Dhan account has crossed the 10-year mark and you haven’t updated your KYC, you must act immediately. Ignoring this update could result in your account getting frozen, restricting your access to vital financial services and government schemes.

Prime Minister Narendra Modi recently announced that over 550 million Jan Dhan accounts have been opened so far and encouraged all account holders to complete their Re-KYC without delay.

Deadline: September 30, 2025

Don’t miss this important deadline—keep your account safe, active, and connected to government benefits by updating your KYC today.