Having a bank account is very important in today’s time. A basic savings bank account is opened for a person deprived of banking facilities. Its name is Pradhan Mantri Jan Dhan Account. This account has many benefits. If you want, you can open this account by going to any bank. The most special thing about this account is that you do not need to maintain any minimum balance in it. Today, a large number of Jan Dhan accounts have been opened across the country, in which several lakh crore rupees of common people are deposited. If you feel the need for it, then you can easily open this account.
Benefit of accident insurance and life cover
According to SBI, under the Jan Dhan account, you get the benefit of accident insurance on your active RuPay debit card. It provides a life cover of Rs 2 lakh and an accidental cover of Rs 2 lakh. Life cover is available at an annual fee of Rs 436 while accidental cover is available at an annual premium of just Rs 20. The special thing is that you also get the facility of overdraft up to Rs 10,000. Interest is paid on the money deposited in this Jan Dhan account opened under the Pradhan Mantri Jan Dhan Yojana.
Jan Dhan account is eligible for these schemes
RuPay debit cards are given free to the account holders. Another big benefit of the Pradhan Mantri Jan Dhan Account opened in banks is that these accounts are eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), Micro Units Development and Refinance Agency Bank (Mudra) Scheme. You can also get information by contacting the national toll free number 1800 11 0001 and 1800 180 1111. According to government data, till May 22, 2024, Jan Dhan accounts of 52.30 crore people have been opened across the country, in which a total deposit of Rs 2,28,057.47 crore is there.
Documents required to open a Jan Dhan account
If Aadhaar card/Aadhaar number is available then no other document is required. If the address has changed then self-certification of the current address is sufficient. If Aadhaar card is not available then any one of the government valid documents will be required. Such as voter ID card, driving license, PAN card, passport and MNREGA card. If your address is also present in these documents then it can work as both identity and address proof.
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