There are many benefits of opening a Prime Minister Jan Dhan Account, there is also the facility of overdraft up to ₹ 10,000, know the details
Having a bank account is very important in today's time. A basic savings bank account is opened for a person deprived of banking facilities. Its name is Prime Minister Jan Dhan Account. There are many benefits of this account. If you want, you can open this account by going to any bank. The most special thing about this account is that you do not need to maintain any minimum balance in it. A large number of Jan Dhan accounts have been opened across the country today, in which several lakh crore rupees of common people are deposited. If you feel the need for it, then you can easily open this account.
Benefits of accident insurance and life cover
According to SBI, under the Jan Dhan account, you get the benefit of accident insurance on your active RuPay debit card. It provides a life cover of Rs 2 lakh and an accidental cover of Rs 2 lakh. Life cover is available at an annual fee of Rs 436 while accidental cover is available at an annual premium of just Rs 20. The special thing is that you also get the facility of overdraft up to Rs 10,000 in it. Interest is received on the money deposited in this Jan Dhan account opened under the Pradhan Mantri Jan Dhan Yojana.
Jan Dhan's account is eligible for these schemes
RuPay debit cards are given to the account holders for free. Another big benefit of the Pradhan Mantri Jan Dhan account opened in banks is that this account is eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), Micro Units Development and Refinance Agency Bank (Mudra) Yojana. You can also get information by contacting the national toll-free numbers 1800 11 0001 and 1800 180 1111. According to government data, till May 22, 2024, Jan Dhan accounts of 52.30 crore people have been opened across the country, in which a total deposit of Rs 2,28,057.47 crore is there.
Documents required to open a Jan Dhan account
If an Aadhaar card/Aadhaar number is available, no other document is required. If the address has changed, self-certification of the current address is sufficient. If an Aadhaar card is not available, any one of the following government-valid documents will be required. Such as voter ID cards, driving licenses, PAN cards, passports, and MNREGA cards. If your address is also present in these documents, then it can work as both proof of identity and address.
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