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Home Economy

Pradhan Mantri Jan Dhan Yojana

September 21, 2020
in Economy
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Pradhan Mantri Jan Dhan Yojana
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Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, basic savings & deposit accounts, remittance, credit, insurance, pension in an affordable manner. 

Features of PMJDY

  • A basic savings bank deposit (BSBD) account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet, by persons not having any other account. 
  • There is no requirement to maintain any minimum balance in PMJDY accounts.
  • Interest is earned on the deposit in PMJDY accounts.
  • Rupay Debit card is provided to PMJDY account holders.
  • Accident Insurance Cover of Rs.1 lakh (enhanced to Rs. 2 lakh to new PMJDY accounts opened after 28.8.2018) is available with RuPay card issued to the PMJDY account holders.
  • Life Insurance Cover of Rs. 30,000 to eligible PMJDY account holders who opened their account for the first time between 15.8.2014 to 31.1.2015 is available.
  • An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available.
  • PMJDY accounts are 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 & Refinance Agency Bank (MUDRA) scheme.

[PMJJBY, PMSBY, APY are social security schemes].

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Source: PMJDY website
Tags: Prelims

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