If you also have a Jan Dhan account, then this news is of great use to you. Apart from this, many facilities are also available in the Jan Dhan Yojana account. Let us tell you that the Central Government opens a zero balance savings account under the Pradhan Mantri Jan Dhan Yojana (PMJDY Pradhanmantri Jan Dhan Yojna). In this, many other benefits including accident insurance, overdraft facility, check book are also available.

Under Jan Dhan Yojana, even if there is no balance in your account, the facility of overdraft up to Rs 10,000 will be available. This facility is like a short term loan. Earlier this amount used to be 5 thousand rupees. The government has now increased it to 10 thousand.

Here is the rule

The maximum age limit for overdraft facility in this account is 65 years. Your Jan Dhan account should be at least 6 months old to avail the overdraft facility. If not, then only overdraft of up to Rs 2,000 is available.

What is Jan Dhan Account?

Pradhan Mantri Jan Dhan Yojana (PMJDY) is the most ambitious financial program that ensures access to banking/savings and deposit accounts, remittances, loans, insurance, pension. This account can be opened at any bank branch or Business Correspondent (Bank Mitra) outlet. PMJDY accounts are being opened with zero balance.

How to open account?

Under the Pradhan Mantri Jan Dhan Yojana, the account is opened more in public sector banks. But, if you want, you can also open your Jan Dhan account in a private bank. If you have any other savings account then you can also convert it to Jan Dhan account. Any citizen residing in India, whose age is 10 years or more, can open a Jan Dhan account.

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How to Open Jan Dhan Account Online: If you have opened Jan Dhan Account, then this information is important for you. The money related to the schemes is directly transferred from the government to the account of the Jan Dhan account holders. In this regard, Union Tourism Minister G Kishan Reddy said that so far 25 lakh crore rupees have been distributed to the beneficiaries through the bank accounts opened under the ‘Pradhan Mantri Jan-Dhan Yojana’. Huh.

Online Inauguration of 75 Digital Banking Units

Reddy, while talking to the media in Jangaon on the occasion of online inauguration of 75 Digital Banking Units on behalf of Prime Minister Narendra Modi, said that under various welfare schemes and subsidies, funds are sent to the beneficiaries through these accounts. Is. Half of these 50 crore Jan Dhan accounts are of women.

Rs 1.75 lakh crore in Jan-Dhan bank accounts of the poor, he said, “While opening Jan-Dhan accounts, people were raising questions whether it is needed in our country? Today we have distributed 25 lakh crore rupees for welfare schemes to poor people through Jan-Dhan accounts. It is an achievement. Reddy said that today Rs 1.75 lakh crore is deposited in the Jan Dhan bank accounts of the poor.

Dedicated 75 DBUs to the Nation

Before two Digital Banking Units (DBUs) of Karnataka Bank started functioning. PM Modi dedicated 75 DBUs of various banks to the nation. These include both these DBUs of Karnataka Bank. DBUs will operate in an efficient, paperless, secure, connected environment where they will provide banking goods and services to the consumers in both self-service and assistance (digital) mode.

Apart from this, DBUs will also promote financial inclusion and digital banking literacy in the respective district. MS Mahabaleshwar, Chief Executive Officer (CEO) and Chairman of the bank said in a function that it is a matter of pride that the bank has been selected to open two DBUs. He said that it is a special honor as the bank is entering its centenary year.

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How to get 1 lakh 30 thousand rupees 

Under this scheme of the government, account holders also get accident insurance of Rs 1 lakh along with many facilities. Apart from this, a life insurance cover of Rs 30 thousand is available. If an account holder dies in an accident, his family gets an insurance cover of Rs 1 lakh. At the same time, in case of death under normal circumstances, an insurance cover of Rs 30,000 is available.

Cheap loan will be available on account (Pradhan Mantri Jan Dhan Yojana Loan Online Apply)

Let us tell you that on Jan Dhan account, account holders get many benefits. You do not have to worry about maintaining a minimum balance on this account. Apart from this, you get Rupay Debit Card. If you want, you can take an overdraft of up to Rs 10,000 on this account in case of emergency. 

link aadhar with account

You can link the account with Aadhaar by visiting the bank. Here you must carry your Aadhar card and passbook. Many banks are also giving the option of linking bank account with Aadhaar through ATM. 

Keep these documents with you 

For this you need to have some necessary documents. Aadhar Card or Passport or Driving License or PAN Card, Voter Card, NREGA Job Card, Letter issued by the Authority bearing name, address and Aadhaar number, Letter issued by Gazetted Officer with attested photograph of account opening.

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Let us tell you that to take advantage of any government scheme, you must have a Jan Dhan account. In this account also account holders get the benefit of government scheme. Under whichever scheme, money is deposited directly into the public account, the money of all those schemes is first transferred to the Jan Dhan accounts.

Today we will tell you about such a government scheme, under which you get Rs 36000 annually . The name of this government scheme is Pradhan Mantri Shram Yogi Maandhan Yojana. The government gives the amount received under this scheme in the form of pension.

Know what is the specialty of the scheme-

>> Any person from 18 years to 40 years can participate.
>> The money of this scheme is available at the age of 60 years.
>> 36000 rupees are transferred annually in this.
>> People working in the unorganized sector get the benefit of this scheme.
>> If your monthly income is less than Rs 15000 then only you can take advantage of it.

Who gets the benefit?

Let us tell you that street vendors, mid-day meal workers, head loaders, brick kiln workers, cobblers, rag pickers, domestic workers, washermen, rickshaw drivers, landless laborers can take advantage of this scheme.

Which documents will be needed

To take advantage of this government scheme, you must have an Aadhar card. Apart from this, you should have a Jan Dhan account and also you have to submit the details of the savings account.

How much premium will have to be paid

Under this scheme, according to different ages, a contribution of Rs 55 to Rs 200 has to be made every month. If you join this scheme at the age of 18, then you will have to pay Rs 55 every month. Those of 30 years will have to pay Rs 100 and those of 40 years will have to pay Rs 200. To register in this scheme, you will need the IFS code of your savings bank account or Jan Dhan account. Apart from this, you should have Aadhar card and a valid mobile number.

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How can you get this amount deposited in your account? Know the whole process.

Poor will get overdraft

This scheme of the central government is like a boon for the poor. The biggest feature of this scheme is that you can apply for overdraft on your account. Any account holder can take advantage of the overdraft facility, but for this, you will have to contact your bank manager. Overdraft facility is a type of loan. After contacting the branch, the bank can give you an overdraft, which you can easily withdraw with an ATM card or UPI.

Interest is to be paid on a daily basis in the overdraft facility. If you deposit the payment again in OD, then you do not have to pay interest on that amount. Earlier, the bank used to provide overdraft facility of Rs 5 thousand in PM Jan Dhan accounts. Now it has been increased to 10 thousand rupees. To take advantage of overdraft, your Jan Dhan account should be at least 6 months old.

open account like this

You can open an account under this scheme of the government. For this you will just need Aadhar card and PAN card. In this scheme, the account of children above the age of 10 years can be opened. On opening the account, the account holder gets a Rupay debit card. You also get an insurance cover of Rs 2 lakh on this card. Along with this, a life insurance cover of Rs 30,000 is also given.

Millions of accounts opened so far

In this scheme of the government, accounts of 46.25 crore beneficiaries have been opened so far. The number of accounts under this scheme in March 2015 was only 14.72 crore. At the same time, by 10 August 2022, the number of these accounts has increased three times to 46.25 crores.

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