Pradhan Mantri Jan Dhan Yojana: This scheme of the government is providing amazing facilities even in bank accounts without balance..

The government has launched a scheme for the poor and needy people of the country, in which you do not need to keep a single rupee in the bank account, and yet you can avail the benefit of insurance up to Rs 2 lakh. The name of this scheme is Pradhan Mantri Jan Dhan Yojana.

This scheme was started in the year 2014, and its purpose was to connect every citizen of the country with the banking system. Especially the people of the poor section, who were far away from the facilities of the bank, an attempt was made to give them the benefit of banking services directly under this scheme.

What is Pradhan Mantri Jan Dhan Yojana?

Pradhan Mantri Jan Dhan Yojana i.e. PMJDY, is a scheme under which any citizen can open a bank account without any money. This account is called Jan Dhan Account and its most special thing is that there is no need to keep a minimum balance in it.

This means that even if you do not have a single rupee in your account, your account will continue and the bank will not charge you any penalty or charge. This is the reason why this scheme is proving to be a boon, especially for the poor and low-income groups.

Powerful benefits of the Jan Dhan account

Now let's talk about some big and powerful benefits of this scheme, which make it more special.

1- Zero Balance Account: You do not need to keep any minimum balance in the account opened under this scheme.

2- Free Insurance Cover: This account comes with excellent accidental insurance cover. If the account holder dies in an accident, then his family is given an assistance amount of up to Rs 2 lakh. On the other hand, if a person becomes partially disabled, then he gets insurance cover of up to Rs 1 lakh.

3- Life Insurance: Apart from this, Jan Dhan account holders are also given life insurance cover of up to Rs 30,000, which acts as a safety shield for their future.

The overdraft facility is also strong.
Under this scheme, account holders not only get the benefit of insurance but they are also given the facility of overdraft. That is, even if you do not have money, you can still borrow up to Rs 10,000 from the bank. But keep in mind, this facility is available only when your Jan Dhan account is at least 6 months old and the transactions in it are happening properly.

Interest benefit is also available.
Account holders are also given 4 percent annual interest on the money deposited in the Jan Dhan account. That is, this account not only keeps your money safe but also gives interest on it.

How to open a Jan Dhan account?
Opening a Jan Dhan account is very easy. For this, you can go to any government or private bank branch near you and fill out the form. You can open this account by giving your Aadhar card, voter ID, ration card, or any identity card. Some banks have now started providing this facility online as well, so that you can open an account sitting at home without standing in line.

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