Pradhan Mantri Jan Dhan Yojana (PMJDY) is a flagship
scheme launched by the Government of India in August 2014 with the objective of
promoting financial inclusion in the country. The scheme aims to provide access
to financial services such as banking and insurance to the unbanked and
underbanked population of the country. The scheme also aims to promote savings,
enable the DBT of subsidies and welfare benefits, and provide an overdraft
facility of up to Rs. 10,000 to account holders.
The motto of the Pradhan Mantri Jan Dhan Yojana (PMJDY) scheme is "Mera Khata - Bhagya Vidhata".
As of August 2021, more than 43 crore accounts have been opened under the PMJDY scheme in India, making it the world's largest financial inclusion scheme. The scheme has been successful in bringing a large number of people under the formal banking system, reducing their dependence on informal credit sources, and providing insurance coverage to the vulnerable sections of the society.
The scheme provides a RuPay debit card to the account holders, which enables them to withdraw cash from ATMs and make purchases online and offline. The account holders are also provided with an overdraft facility of up to Rs. 10,000, which enables them to meet their emergency financial requirements. The scheme also provides insurance coverage to the account holders under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and the Pradhan Mantri Suraksha Bima Yojana (PMSBY).
The PMJJBY provides life insurance coverage of Rs. 2 lakh to the account holder in case of their death, while the PMSBY provides accidental insurance coverage of up to Rs. 2 lakh to the account holder. The premium for both the insurance schemes is very low, making it affordable for the account holders.
The process to open an account under the PMJDY scheme is simple and easy. The account can be opened at any bank branch or banking correspondent. The account holder needs to provide the necessary documents such as identity proof, address proof, and Aadhaar card. Once the account is opened, the account holder can avail of other banking services like mobile banking, internet banking, and SMS banking.
The scheme has been successful in promoting financial inclusion in the country. The scheme has played a significant role in providing access to financial services to the unbanked population, promoting savings, and enabling the DBT of subsidies and welfare benefits. The scheme has also played a significant role in reducing the dependence on informal credit sources and providing insurance coverage to the vulnerable sections of the society.
Pradhan Mantri Jan Dhan Yojana has
been a game-changer in the financial inclusion landscape of India. The scheme
has brought a large number of people under the formal banking system and has
provided them access to financial services such as banking and insurance. The
scheme has also played a significant role in promoting savings, enabling the
DBT of subsidies and welfare benefits, and reducing the dependence on informal
credit sources. The success of the scheme can be attributed to its simple and
easy account opening process and the low premium for insurance coverage. The
scheme has made a significant impact in improving the lives of the unbanked and
underbanked population of the country.
Here are the contact details and website related to Pradhan Mantri Jan Dhan Yojana:
Website: https://pmjdy.gov.in/
Contact details:
PMJDY Helpline Number: 1800110001 (Toll-free)
Email: pmjdy@nic.in
Postal Address:
Department of Financial Services, Ministry of Finance, Government of India, 3rd Floor, Jeevan Deep Building, Sansad Marg, New Delhi - 110001
These contact details can be used to seek information or assistance related to the scheme.
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