PM Jan Dhan Yojana 2022: The government’s Pradhan Mantri Jan Dhan Yojana has turned 7 years old. The public has liked the government’s approach a lot. The number of PM Jan Dhan accounts opened under this system has tripled in a few years. The Department of Financial Services (DFS) has provided this information by tweeting. It is stated in the tweet that there has been a threefold increase in Prime Minister Jan Dhan Yojana’s accounts. Let’s tell you that the number of accounts has increased from 14.72 crore in March 2015 to 43 crore accounts so far.
PM Jan Dhan Yojana 2022
Pradhan Mantri Jan Dhan Yojana: The world’s largest financial integration initiative has opened banks’ doors to the poor and given them new power for the PM Jan Dhan Account Passbook and RuPay cards. Under this system, after opening an account, everyone gets the opportunity for cheap insurance, pensions and other financial products.
You must have often heard of the Pradhan Mantri Jan Dhan Yojana account. Prime Minister Narendra Modi also goes on to mention these Prime Minister Jan Dhan accounts in his speech. One of their main features is that there are zero balance accounts and people from low income groups can also open it. Now know about such a facility of these accounts, under which a benefit of up to 10 thousand rupees is available.
What is the facility for 10 thousand rupees
Even if you have zero balance on PM Jan Dhan accounts, you can take a checking account credit of Rs 10,000. Overdraft credit means that customers can withdraw a limited amount from the bank account even if there is no balance. Previously, in Pradhan Mantri Jan Dhan Yojana accounts, this facility was only for Rs 5,000, but recently the government has increased this facility to Rs 10,000.
Benefit from 2.30 Lakh: PM Jan Dhan Yojana 2022
Pradhan Mantri Jan Dhan Yojana account holder is given a benefit of Rs 2.30 lakh. Accident insurance coverage is given to Jan Dhan account holders when they open an account in any bank. Prime Minister Jan Dhan Account holders receive an accident insurance of Rs 1,000,000 and a general insurance of Rs 30,000. If the account holder dies in an accident, he receives Rs 2 lakh. In this context, the Jan Dhan account holder can get up to Rs 2.30 lakh.
how to open an account
Under Pradhan Mantri Jan Dhan Yojana, more accounts will be opened in public banks. But if you want, you can also open your Jan Dhan account in a private bank. If you have another savings account, you can also convert it to PM Jan Dhan account. All citizens of India who are 10 years of age or older can open a Jan Dhan account.
Who can benefit from overdraft facilities and how
To take advantage of this 10,000 overdraft facility under Pradhan Mantri Jan Dhan Yojana, your Jan Dhan account should be more than 6 months old and the withdrawal age should not be more than 65 years. Overdraft credit on PM Jan Dhan account will also be available on accounts six months ago, but it will only be up to 2000 Rs.
what are jan dhan accounts
In 2014, the Modi government in the center gave permission to open PMJDY accounts on a zero balance. Previously, the government’s goal was to provide accounting opportunities for everyone in the country. Over time, it aims to provide direct subsidies, scholarships, state pension, PM Kisan Samman Nidhi Yojana, gas subsidy provided by the government. These accounts were opened to include everyone in the country in financial inclusion. Over time, PM Jan Dhan accounts became very popular and through them the government brought money to the people. It is very easy to take advantage of Pradhan Mantri Jan Dhan Yojana!
Also read – UP Bhagya Lakshmi Yojana Update 2022: 51 thousand can be easily found in the system, know how
NPS Latest update 2022: Crores rupees will be deposited by the due date, the amount will be around 50 thousand every month