Jandhan Yojana 2024: Objective, Features, Benefits, Login Process & All Information

Jandhan Yojana

Jandhan Yojana: The Pradhanmantri Jan Dhan Yojana was launched on August 28, 2014, following its announcement on August 15, 2014, by our nation’s prime minister, Shri Narendra Modi. Accounts will be opened in the nationalized banks, post offices, and banks for the poor people of the nation under the Pradhan Mantri Jan Dhan Yojana, with zero balances. The Rupay Debit Card and Rupay Kisan Card come with an integrated accident insurance cover of Rs 1 lakh, and accounts linked to an Aadhaar card would have an overdraft facility of Rs 5000 after six months.

Also Read: Indira Awas Yojana 2024

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Jandhan Yojana 2024

The poor in the nation’s cities and rural areas will profit from this program. Under this policy, the central government will furthermore give the recipient’s family an extra insurance cover of Rs 30,000 if the eligible beneficiary passes away as a result of opening an account for any cause. give the beneficiary’s family an extra Rs 30,000 in insurance coverage.) The Pradhanmantri Jan Dhan Account is another name for Jan Dhan Yojana 2024. Poor people can readily open accounts under this plan. They won’t have to pay anything and setting up an account won’t be difficult. The citizens of the nation would have easy access to financial services thanks to this program.

Information about Pradhan Mantri Jandhan Yojana

Name of the Scheme	PM Jan Dhan Yojana
Started by	By Prime Minister Shri Narendra Modi
Launch Date	15 August 2014
Beneficiary	Citizens of the Country

Pradhan Mantri Jandhan Yojana Yojana Life Insurance Cover

As you are all aware, the Pradhan Mantri Jan Dhan Yojana was launched with the goal of opening accounts for every national. The beneficiary of this plan has the option to open an account with no balance. They are also given a RuPay Debit Card in addition to this. The users of this initiative are also given access to numerous other benefits. For instance, in the event of an accident, the beneficiary is covered up to ₹100,000, and in the event of the beneficiary’s death, their family receives ₹30,000 in financial help. The beneficiary is only eligible for life insurance if he first established an account under the Pradhan Mantri Jan Dhan Yojana between August 15, 2014, and August 26, 2014.

Some special features of Pradhanmantri Jandhan Yojana Yojana

President of our nation, Shri Narendra Modi, launched the Jan Dhan Yojana in 2015. This strategy resulted in the opening of accounts with zero balances. As of right present, the Pradhan Mantri Jan Dhan Yojana has opened over 1.20 crore accounts. which has deposits totaling Rs 1,31,639 crore. The government wants to connect every person in the nation with this initiative. The government made monthly payments of ₹500 to women’s Jan Dhan accounts during the Covid-19 blackout. Beneficiaries of this program included around 20 crore women. The government uses the accounts created under the Jan Dhan Yojana to facilitate the utilization of all government programs. The following are some unique aspects of the Jan Dhan Yojana.

A beneficiary’s savings account is opened under the Jan Dhan Yojana.
The account formed under this program does not require a minimum balance to be kept.
The bank offers interest on accounts opened under the Pradhan Mantri Jan Dhan Yojana as well.
The recipient of this program receives a debit card.
Under the Pradhan Mantri Jan Dhan Yojana, there is additionally ₹200000 in accidental insurance coverage. However, you can only utilize this service if you have already used a debit card.
This scheme also offers ₹30,000 in life insurance coverage.
On the Pradhan Mantri Jan Dhan account, there is also an overdraft option of ₹ 10,000; however, to use this facility, the beneficiary’s account must be connected to Aadhaar.

The objective of Pradhan Mantri Jandhan Yojana Yojana 2024

It is a well-known fact that numerous individuals are unable to open a bank account and are unaware of the banking services offered by the bank. The Prime Minister Jan Dhan scheme is among the best that the Central Government has done for low-income households. Under Plan 2024, the nation’s economically disadvantaged and backward-class citizens will be able to open bank accounts with no balance requirements and will be able to apply for based loans, transfer facilities, insurance, and pensions. In addition to banking and savings, the Pradhan Mantri Jan Dhan Yojana 2024 seeks to effectively deliver financial services to everyone, including deposit accounts, loans, insurance, pensions, and remittances.

Also Read: Pradhanmantri Dhan Laxmi Yojana

Factors of Pradhan Mantri Jandhan Yojana Yojana

The six pillars of the PMJDY plan are as follows.

One method by which they are trying to categorize every district into a sub-service area (SSA) is by giving them access to banking facilities. An SSA is characterized as an area that encompasses at least 2,000 residences within a five-kilometer radius.
Basic Banking Facility: The goal was to see every unbanked home have at least one bank account to encourage saving hard-earned money in a bank account and to improve the culture of banking habits in every household.
The Financial Literacy Programme teaches kids about financial literacy so they can use and understand ATM cards.
Micro Credit: After opening an account and using it well for the following six months, you can apply for a credit facility of Rs.

Benefits of Pradhanmantri Jan Dhan Yojana 2024

Under this program, every citizen of the nation may open a bank account; tiny children up to the age of ten are also eligible to open an account.
You will also receive up to Rs 1 lakh in accident insurance coverage when you register an account under PM Jan Dhan Yojana 2024.
The beneficiary of the Pradhan Mantri Jan Dhan Yojana will receive reimbursement of regular terms upon his death, along with life insurance worth Rs 30,000.
Through PMJDY 2024, eligible recipients can open a Jan Dhan account at any bank and receive a loan of up to Rs 10,000 without having to submit any paperwork.
The recipients’ accounts will receive direct deposits of benefits from government programs.
A Rs. 5,000 overdraft facility would be available on one account per family, namely on the account of the woman.
The Pradhan Mantri The Jan-Dhan Yojana (PMJDY) is the National Mission for Financial Inclusion, which aims to guarantee affordable access to financial services including savings and deposit accounts, banking, credit, insurance, and pensions.
Any bank branch or Business Correspondent (Bank Mitra) location can open an account.
New accounts are opened under PMJDY with a zero balance.
However, the account holder has to meet the requirements for a minimum balance to receive a checkbook.
Up to now, 38.22 crore beneficiaries have made bank deposits, and their bank accounts currently hold Rs 117,015.50 crore.

Eligibility to get life insurance cover

The candidate needs to have made their initial bank account opening.
The Pradhan Mantri Jan Dhan Yojana was used to open this account between January 15, 2014, and January 26, 2015.
The applicant may only take advantage of this scheme’s benefits if he is the family’s breadwinner or head of household and is between the ages of 18 and 59.
Employees of the federal or state governments are not eligible to participate in this program.
The benefits of this system are likewise not available to retired federal or state employees.
Not even citizens who pay taxes can make use of this program.

Documents of PM Jan Dhan Scheme2024

Applicant’s Aadhaar Card / Identity Card / Driving License / PAN Card
mobile number
passport size photo
address proof

How to apply for Pradhan Mantri Jan Dhan Yojana 2024?

To open an account under the Pradhan Mantri Jan Dhan Yojana 2024, interested beneficiaries of the nation must visit the bank that is closest to them. The application form to open a Jan Dhan account can be obtained from the bank after you visit. Upon completing the application, you will need to provide all the requested information. Once you have completed the application completely, you must send it to the bank officer together with all required supporting documentation. Your Money account will then be opened once the officer has finished processing your application.

Jan Dhan Yojana bank login process

You must first visit Pradhan Mantri Jan Dhan Yojana’s official website.

The main screen will now appear in front of you.
You must select the Right To Us tab from the homepage.
You now need to click the bank login link.

You’ll now be supplied with a brand new page in which you should enter your password and personal ID.
You will then need to select the check-in button.
You’ll be capable of logging in this manner.

login process

First of all, go to the official website of Jan Dhan Yojana. The home page will open in front of you.
On the home page, you have to click on the Right to Us tab.
After this, you have to click on the link for the SLBC login.

To log in, you must now click the link.

Following this, a new page with the person call and password fields will appear in front of you.
You must now click the icon to log in.
You may be able to log on this way.

Also Read: Jal Jeevan Hariyali Yojana-2

Contact Information

We have given you all the pertinent facts about the Pradhan Mantri Jan Dhan Yojana in this post. You can get help by calling the national toll-free hotline if you’re still having issues of any type. 18001801111 is the national toll-free number, 1800110001.

FAQ’s

Q: Which bank can open a Jan Dhan Yojana account?

Ans: Any Business Correspondent (Bank Mitra) location or bank branch can open an account. Accounts for PMJDY are being opened with no money on them.

Q: What is Pradhan Mantri Jan Dhan Yojana?

Ans: The Pradhan Mantri Jan-Dhan Yojana aims to guarantee the underprivileged, such as lower-income groups and weaker sections, access to a range of financial services-based loans and pensions.

Q: Is ₹ 5000 coming into Jan Dhan’s account?

Ans: The overdraft limit that the PM previously offered on Jan Dhan accounts was raised to Rs 10,000.

Q: How to get Rs 10000 in Jan Dhan’s account?

Ans: What advantages does the Jan Dhan Yojana account offer? 10,000 Rupees for the Jan Dhan Yojana. Whatever is in the account holder’s account is covered under this arrangement.