You can download the application form for Pradhan Mantri Jan Dhan Yojana from the scheme's official website, fill it out, and submit it at the local bank
branch. You will also have to provide some documents along with the form to avail this scheme.
Pradhan Mantri Jan Dhan Yojana is an excellent and innovative scheme to boost social security in the country and to ensure that all citizens in all parts of country are connected financially.
The scheme aims to foster the saving trend in citizens by making available a savings account to each family in the urban, semi-urban as well as rural parts of the nation. The scheme also brings along an inter-linked life insurance as well as accidental insurance policy.
This will help bring crores of Indians under the purview of insurance protection who otherwise are unable to afford insurance.
Under the Pradhan Mantri Jan Dhan Yojana, there are several zero balance accounts being opened for the rural population of the country. Along with this, there have been other services being provided to ensure that every person has access to these facilities. Recently, the government has allowed the opening of bank accounts for minors who are children above the age of 10. Under the Jan Dhan Yojana, the account can be opened in any branch of the bank or post office payment bank outlet.
Any child who has documents which are verified by the government can open an account. However, since the children are minor, the guardian of the child will be operating the account under the name of the child. The ATM card will also be issued under the name of the child. Once, the child turns 18, the bank will hand the ownership of the account to the child after the latter submits the required documents.
To open the account, parents can submit any of the valid identity proof documents such as passport, Aadhaar card or even ration card. If these documents are not available, then any of the documents issued by the central government can be submitted through which identity can be verified.
The application form for Pradhan Mantri Jan Dhan Yojana is known as Financial Inclusion Account Opening Form, based on the aim of financial inclusion that the scheme wishes to realize. Following are the contents of the form which needs to be duly filled and submitted in order to avail the Pradhan Mantri Jan Dhan Yojana Scheme.
Bank Details where the account is being opened
Scheme Applicant’s Details
Nominee Details
A duly filled copy of the Pradhan Mantri Jan Dhan Yojana form is to be submitted to the bank where you are opening your account. Usually all participating banks will have a Jan Dhan Yojana dedicated desk where you will be helped by Jan Dhan Professionals called Bank Mitr who will help you with the form submission and account opening procedure in order to obtain Pradhan Mantri Jan Dhan Yojana Account.
The account opening form needs to be submitted along with certain ID proofs like identity and address proofs. However, applicants with a valid Aadhar number will not be required to submit any extra proofs. Also, two passport sized photographs needs to be furnished to the bank at the time of account opening.
Once the documents are submitted, account will be opened in a few working days and the applicant will be given a passbook, a cheque book, a RUPay Debit card and in some cases a Jan Dhan Yojana Information kit by the bank.
In addition to the application form you will be required to submit the following documents to avail the benefits of this scheme:
Once the account has been set up, the account holder can take a loan of up to Rs.5,000 from the bank after 6 months of opening the account. This loan benefit will offer consolation to many beneficiaries under the scheme who are below the poverty line. They can utilise this loan amount to invest in more profitable ventures or in agricultural prospects.
Account holders under the scheme can also avail insurance coverage worth Rs.30,000 if they satisfy certain conditions. This includes being in possession of an accidental insurance coverage above Rs.2 lakh, and opening of the account by 26th January, 2015. PMJDY also enables account holders to check bank balances and transfer funds through their mobile phones.
The details of accounts opened until 4th January, 2017 under the Pradhan Mantri Jan Dhan Yojana are as follows:
Bank Name | Rural | Urban | Total | No. of Rupay Cards | Aadhaar Updated | Account Balances | Percentage of Zero Balance Accounts |
Public Sector Bank | 11.74 | 9.43 | 21.17 | 16.75 | 12.54 | 54507.02 | 25.08 |
Regional Rural Bank | 3.86 | 0.61 | 4.47 | 3.36 | 2.26 | 12976.71 | 20.53 |
Private Banks | 0.52 | 0.35 | 0.87 | 0.82 | 0.39 | 2587.07 | 33.92 |
Total | 16.11 | 10.4 | 26.51 | 20.93 | 15.19 | 70070.79 | 24.61 |
All the above figures are in crores, and is tabulated on the basis of information submitted by SLBCs and banks.
In case of any queries related to the Pradhan Mantri Jan Dhan Yojana, you can contact the PMJDY helpdesk at the following national toll-free numbers:
Credit Card:
Credit Score:
Personal Loan:
Home Loan:
Fixed Deposit:
Copyright © 2025 BankBazaar.com.