PM Jan Dhan 2026: Eligibility, Benefits & How to Apply
Pradhan Mantri Jan Dhan Yojana (प्रधानमंत्री जन धन योजना) — Zero-balance account, RuPay card with ₹2 lakh accident cover · Any Indian without a bank account
Zero-balance account, RuPay card with ₹2 lakh accident cover — Any Indian without a bank account
Source: myscheme.gov.in · checked 21 Oct 2026
PM Jan Dhan quick answers
Benefit
- Basic Savings Bank Deposit Account with no minimum balance.
- Free RuPay debit card with built-in accident insurance cover of ₹2 lakh.
- Overdraft of up to ₹10,000 for one account holder per household after six months of satisfactory account use.
- A "small account" can be opened even without officially valid documents.
Source: myscheme.gov.in ↗ · 21 Oct 2026
PM Jan Dhan official links
Latest official updates
- PMJDY completed 12 years with 59.09 crore accounts (as on 19 August 2026) and deposits of Rs 3.17 lakh crore; 55.7% of account holders are women.pib.gov.in ↗
Am I eligible for PM Jan Dhan?
Source: myscheme.gov.in ↗ · 21 Oct 2026
How to apply
Steps
- Go to the official portal of PMJDY.
- Under the "e-documents" section, you will find live links for "Account Opening Form". Applicants can access this in both English and Hindi languages. Click on the appropriate language option.
- This will open the form in PDF format. Download it and get a printout.
- Fill the form manually with all your bank and personal data, including bank branch, name of town/village, block/district, Aadhaar number, profession, annual income, details of Kisan credit card, and others.
- Once you fill it out, visit your nearest bank branch and submit it.
- While submitting the form, you will need to produce certain documents along with your Mobile number or email Id to qualify for the Jan Dhan Yojana.
Documents
- Aadhaar
- Government ID proof (Voter card / PAN card / Ration card)
- Permanent address proof (Passport / Driving licence / Electricity, telephone or water bill)
- Passport-size photograph
- Filled and signed PMJDY account opening form
Source: myscheme.gov.in ↗ · 21 Oct 2026
PM Jan Dhan: questions people ask
Can I Open A Joint Account Under Pradhan Mantri Jan Dhan Yojana?
Yes. You can open a joint account under Pradhan Mantri Jan-Dhan Yojana.
Where Do I Open A Bank Account Under PMJDY?
You can open a PMJDY account at any bank branch on Core Banking Solutions (CBS) or at a BC outlet of such Banks.
What Is A Small Account or Chota Khata under PMJDY ?
A “Small Account” or “Chota Account” can be opened in case of non availability of Officially Valid Documents (OVDs). These accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to a continue for a further period of twelve more months, if the account-holder provides a document showing that he/she has applied for any of the Officially Valid Document, within 12 months of opening the small account.
Does The PMJDY Scheme Offer Accidental Insurance Cover ?
All PMJDY Accounts are provided with a free Rupay Debit Card with inbuilt accidental insurance cover of Rs.2 lakh (Rs 1 lakh for accounts opened before 28.08.2018).
Is Overdraft/Loan Facility Available Under PMJDY?
Overdraft facility (SBOD) upto Rs. 10,000/- will be available to one account holder of PMJDY per household after 6 months of satisfactory conduct of the account, subject to fulfilment of eligibility criteria.
Source: myscheme.gov.in ↗
What changed on this page
· PMJDY completed 12 years with 59.09 crore accounts (as on 19 August 2026) and deposits of Rs 3.17 lakh crore; 55.7% of account holders are women.
· Facts checked against the official sources on 21 Oct 2026.
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