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Pradhan Mantri Jan Dhan Yojana (PMJDY)

प्रधानमंत्री जन धन योजना

Jan Dhan (PMJDY) — Bina minimum balance wala bank khaata — RuPay card par ₹2 lakh ka in-built durghatna bima aur sharton ke saath ₹10,000 tak overdraft ki suvidha

Seedha jawaab: Bina minimum balance wala bank khaata — RuPay card par ₹2 lakh ka in-built durghatna bima aur sharton ke saath ₹10,000 tak overdraft ki suvidha.

Vibhag: Vittiya Seva Vibhag (DFS), Vitt Mantralaya, Bharat Sarkar · Official portal: pmjdy.gov.in · Helpline: 1800110001 · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

Jan Dhan ke tahat har parivaar tak bank khaata pahunchana is yojana ka lakshya tha — 19 Aug 2026 tak 59.09 crore khaate khul chuke hain, jinme lagbhag 56% mahilaon ke hain aur kul jama ₹3.16 lakh crore se zyada hai. Khaate par koi minimum balance nahi rakhna padta, RuPay debit card milta hai jisme durghatna bima juda hai, aur yahi khaate aaj PM-Kisan, Ladki Bahin jaisi har sarkari rakam ke DBT ki neev hain (Jan Dhan-Aadhaar-Mobile = JAM). Dhyaan dein: overdraft aur bima ki apni shartein hain, jo neeche saaf likhi hain.

Kaun patr hai ✓

  • Koi bhi Bharatiya nagrik jiske paas bank khaata nahi hai ya jo buniyadi bank suvidha chahta hai — khaata bank shakha ya Bank Mitra (CSP) par khulta hai
  • Aadhaar ke dwara e-KYC se khaata turant khul sakta hai
  • Sanyukt (joint) khaata bhi khola ja sakta hai

Kaun patr NAHI hai ✗

  • Overdraft har khaate par apne aap nahi milta — khaate ke 6 mahine ke santoshjanak chalan aur patrata sharton ke baad hi milta hai
  • RuPay durghatna bima ka claim tabhi milta hai jab card se durghatna se pehle 90 din ke andar kam se kam ek safal len-den (financial/non-financial) hua ho
  • 2 saal tak khud koi len-den na karne par khaata band nahi hota, lekin 'inoperative' ho jata hai — DBT aur card suvidhaon me rukawat aa sakti hai, re-KYC se khaata phir sakriya ho jata hai

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Bank shakha ya Bank Mitra (CSP) par jayeinKhaata kisi bhi bank ki shakha ya apne kshetra ke Bank Mitra/Customer Service Point par khulta hai. Aadhaar le jayein — e-KYC se khaata turant sakriya ho jata hai.
  2. Form bharein aur RuPay card leinKhaata khulne par RuPay debit card milta hai. Card sakriya rakhein aur usse samay-samay par len-den karein — durghatna bima ke claim ke liye 90 din ke andar ek len-den ki shart hai.
  3. Mobile number aur Aadhaar khaate se jodeinYahi judaav (JAM) sarkari DBT rakam ke liye zaroori hai — PM-Kisan, pension, gas subsidy jaisi rakamain isi khaate me aati hain. Khaate me aayi rakam ki suchna SMS se milti hai.
  4. Overdraft ke liye 6 mahine khaata chalane deinKhaate ka 6 mahine santoshjanak chalan hone par ₹10,000 tak overdraft ki suvidha mil sakti hai — ek parivaar me ek hi khaate par, 18-65 saal ke khaata-dharak ko; ₹2,000 tak ka overdraft bina shart ke pravadhan me hai (shartein bank par confirm karein).

Status / kist kaise check karein

  1. Passbook / bank app / CSP seBalance aur DBT aane ki jankari passbook print, bank app ya Bank Mitra se milti hai.
  2. Rashtriya toll-free numberPMJDY ki aadhikarik site par darj rashtriya toll-free number 1800-11-0001 aur 1800-180-1111 hain — shikayat aur jankari ke liye inhi ka upyog karein.
  3. Inoperative khaate ke liye re-KYCKhaata inoperative dikhe to bank shakha me Aadhaar ke saath re-KYC karayein — khaata phir sakriya ho jata hai, paisa surakshit rehta hai.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline 1800110001 ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (pmjdy.gov.in) se karein.

Aksar puche jaane wale sawal (FAQ)

Jan Dhan khaate me minimum balance rakhna padta hai kya?

Bilkul nahi. Ye Basic Savings Bank Deposit khaata hai — koi minimum balance nahi hai aur balance zero rahne par koi jurmana nahi lagta (PIB ke anusaar).

RuPay card par ₹2 lakh ka bima kaise kaam karta hai?

28 Aug 2018 ke baad khule Jan Dhan khaaton ke RuPay card par ₹2 lakh ka in-built durghatna bima hai (usse pehle khule khaaton par ₹1 lakh). Iska premium aapse nahi liya jata — NPCI deta hai. Claim ki shart: durghatna se pehle 90 din ke andar card se kam se kam ek safal len-den hua ho, isliye card ka upyog karte rahein.

Overdraft ₹10,000 sach me milta hai kya?

Haan, lekin sharton ke saath — khaate ke 6 mahine ke santoshjanak chalan ke baad, ek parivaar me ek khaate par, 18-65 saal ke khaata-dharak ko mil sakta hai. ₹2,000 tak ke overdraft par koi shart nahi wala pravadhan hai. Ye bank ka nirnay hai, har khaate par apne aap nahi milta — apni shakha se apni sthiti confirm karein.

2 saal se khaata use nahi kiya — kya khaata band ho gaya?

Band nahi hua, inoperative (nishkriya) hua hai. RBI niyamon ke anusaar 2 saal tak graahak dwara koi len-den na ho to bachat khaata inoperative mana jata hai. Bank me re-KYC karke khaata phir sakriya ho jata hai aur aapka paisa surakshit rehta hai (DFS ke Sansad jawab ke anusaar).

Desh me kul kitne Jan Dhan khaate hain?

19 Aug 2026 tak 59.09 crore khaate the, jinme 32.92 crore (lagbhag 56%) mahilaon ke hain aur kul jama ₹3,16,514 crore thi; 41.29 crore RuPay card jaari ho chuke the (PIB Backgrounder, Aug 2026).

Kya sarkari yojana ka paisa isi khaate me aayega?

Haan, yahi is khaate ka sabse bada upyog hai. Jan Dhan-Aadhaar-Mobile (JAM) ke dwara DBT ki rakam — PM-Kisan, pension, LPG subsidy aadi — seedha Aadhaar-jude bank khaate me aati hai. Isliye khaata sakriya rakhein, Aadhaar aur mobile number jude rakhein.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

Doston-parivaar ko bhejein

Ye poster WhatsApp par forward karne ke liye hai — jise is yojana ki zaroorat ho, us tak sahi jankari pahunchayein.

Jan Dhan (PMJDY) — WhatsApp share poster

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