Pradhan Mantri Jan Dhan Yojana – Sampoorna Jankari

Pradhan Mantri Jan Dhan Yojana (PMJDY) 2024: Zero Balance Account Ki Poori Jankari

Abhi Apply Karein!

Bhumika: Har Ghar Tak Bank, Har Haath Mein Suraksha!

Agar aap abhi bhi paise ghar mein chhupa kar rakhte hain ya pension ke liye door bank jate hain, toh PM Jan Dhan Yojana aapke liye hai! Zero balance account se lekar free insurance tak, yeh scheme aapko financially strong banati hai. Chalo, seedhi Hinglish mein samjhte hain!

PMJDY 2024 – Sampoorna Guide
Scheme ka Naam	Pradhan Mantri Jan Dhan Yojana (PMJDY)
Department	Department of Financial Services, Ministry of Finance
Shuru Kab Hua	28 August 2014
Latest Update	Over 53 crore accounts opened as of June 2025
Official Website	pmjdy.gov.in
Helpline	1800-180-1111 Email: pmjdy-helpdesk@nic.in
Scheme ka Uddeshya: Har Indian parivar ko banking suvidha dena, Direct Benefit Transfer (DBT) ke through sarkari yojanaon ka paisa seedha account mein pahunchana, aur garibon ko bima aur overdraft ki suraksha dena.
Scheme ki Visheshtayein: Zero Balance: Koi minimum balance nahi chahiye. Free RuPay Card: ATM access aur ₹2 lakh accident cover. Overdraft: ₹10,000 tak udhaar ki suvidha. Life Insurance: ₹30,000 ka free cover. Digital Banking: UPI aur mobile banking support.
Scheme ke Labh: Zero Balance Account: Free mein khata kholo. Insurance: ₹30,000 life cover + ₹2 lakh accident cover. Overdraft: ₹10,000 tak emergency loan. DBT: Pension, subsidy seedha account mein. Digital Access: UPI se payment aur mobile banking.
Patrata Maapdand: Common: Indian citizen, no prior bank account required. Age: 10 years and above (minors with guardian). Priority: BPL families, SC/ST, women, senior citizens. Small Account: No documents? ₹50,000/year limit wala account. Warning: Fake accounts se bacho! Sirf sarkari bank ya CSC se kholo!
Zaroori Dastavej: Aadhaar Card Voter ID/Driving License (agar Aadhaar nahi hai) Ration Card/NREGA Job Card (BPL ke liye) 2 Passport Size Photos (kuch banks mangte hain) Guardian ka Aadhaar (minors ke liye) Pro Tip: CSC center par free mein account khulwa sakte hain!
Kaise Apply Karein: Option 1: Bank SBI, PNB, BoI jaise bank mein jayein. PMJDY form mangein. Aadhaar se fingerprint verify karein. Form submit karein, 10 min mein account khul jaega. Option 2: CSC Center Najdiki CSC center jayein. PMJDY form bharein. Aadhaar aur photo submit karein. Account number SMS se milega. Option 3: Bank Mitra Gaon ke Bank Mitra se milein. Aadhaar aur details dekar account kholo. Offline Option: CSC ya Bank Mitra free mein account kholega!
Financial Vivran: Scenario 1 (Account Charges): Detail Amount Minimum Balance ₹0 ATM Withdrawal 4 free/month Yearly Charges ₹0 Scenario 2 (Overdraft): Detail Amount Overdraft Limit ₹10,000 Initial Limit (SC/ST/Women) ₹2,000 Interest Bank-specific (~12%)
Important Dates 2024-25: Application Deadline: Open (no last date) RuPay Card Delivery: 7-10 days post-account opening Overdraft Activation: 6 months post-account activity Alert: Fake SMS/WhatsApp se bacho! Sirf bank ya pmjdy.gov.in se jankari lo.
Galtiyan Jo Nahi Karni: Galat Aadhaar: Naam mismatch se account nahi khulega. Inactive Account: 6 mahine tak use nahi toh overdraft nahi milega. Fake Agents: Koi paisa mangta hai toh helpline par shikayat karein. RuPay Card Loss: Turant bank ko inform karein, warna insurance cancel!
Aksar Puche Jane Wale Sawal: Q1. Kya NRI PMJDY account khol sakte hain? Nahi, sirf Indian residents ke liye hai. Q2. RuPay card khone par kya karein? Bank ko call karein (1800-180-1111), ₹200 mein naya card milega. Q3. Overdraft kaise milega? 6 mahine account active rakhein, bank se request karein. Q4. Account status kaise check karein? Jan Dhan Darshak App ya SMS to 9223181818.
Safalta ki Kahaniyan: “Kamla Devi (UP) ke Jan Dhan account mein pension seedha aata hai. Ab 8 km cycle nahi chalani padti!” “Raju (Odisha) ka MGNREGA paisa ab account mein aata hai. Thekedar ka 30% cut khatam, ₹12,000 saal ka bachat!”
Helpdesk and Contact Details: Agar account kholne mein koi problem ho toh: Queries Helpline: 1800-180-1111 Email: pmjdy-helpdesk@nic.in Office Address Address: Department of Financial Services, Ministry of Finance, Jeevan Deep Building, New Delhi-110001 Website: pmjdy.gov.in
Disclaimer: Yeh jankari official notifications aur pmjdy.gov.in se li gayi hai. Kisi bhi changes ya updates ke liye official website regular check karein. Scheme bilkul free hai, koi “extra charge” mangta hai toh usse bachkar rahein.
Aakhri Tip: “Bank account aapka haq hai! Aaj hi bank ya CSC jayein, zero balance account kholo. Financial freedom ki shuruaat abhi se!”
Author Info Publish Date: 22 June 2025 Last Updated: 22 June 2025 By: SarkariResults99 – Ek platform jo aapko sarkari yojanaon ki latest jankari deta hai