PM Jan Dhan Yojana 2025 – Zero Balance Account + ₹2 Lakh Free Insurance + ₹10,000 Overdraft: Sab Jaanein

Updated: June 2025 | Source: pmjdy.gov.in | Hindi + English

    ✅ Verified Key Facts (2025):
    Launch date: August 28, 2014
Total accounts: 53 crore+ (as of 2025)
Zero balance — koi minimum balance nahi, kabhi penalty nahi
Free RuPay Debit Card
Accident insurance: ₹2 lakh free (accounts opened after August 28, 2018)
Life cover: ₹30,000 (accounts opened by January 31, 2015 only)
Overdraft: ₹10,000 (6 mahine satisfactory operation ke baad)

  

PMJDY Kya Hai?

Pradhan Mantri Jan Dhan Yojana (PMJDY) financial inclusion ke liye India ki sabse badi scheme hai. Har ghar mein ek bank account hona chahiye — yahi lakshya tha. Aaj 53 crore se zyada accounts khul chuke hain aur ₹2.31 lakh crore in accounts mein jama hain.

Saare government DBT schemes (PM Kisan, Ujjwala subsidy, MGNREGS wages) seedha Jan Dhan account mein aate hain.

Saare Benefits — Detail Mein

🏦 Zero Balance
Koi minimum balance nahi. Account hamesha active rahega.

💳 Free RuPay Card
ATM withdrawal, online shopping, UPI linked.

🛡️ ₹2L Accident Cover
Accidental death/disability pe ₹2 lakh — free (Aug 2018 ke baad ke accounts).

💰 ₹10,000 Overdraft
6 mahine ke baad eligible. Ek family mein preferably mahila ke naam.

Account Kaise Kholein?

Nearest bank branch ya Bank Mitra/Business Correspondent pe jaayein
Jan Dhan account opening form (Form A) maangein
Aadhaar card ya koi valid KYC document dein
Passport size photo dein
Zero deposit ke saath account turant khul jaata hai
RuPay debit card 7–10 days mein milega

💡 Tip: Agar aapke paas pehle se savings account hai, use Jan Dhan mein convert karwa sakte hain — bank branch mein simple request dein. Saare PMJDY benefits milenge.

Helpline & Official Links

Resource	Details
Official Site	pmjdy.gov.in
Helpline (Toll Free)	1800-11-0001 / 1800-180-1111

Disclaimer: Insurance benefits account opening date pe depend karte hain. pmjdy.gov.in se official terms check karein.