Women should avail the benefits of Jan Dhan Yojana like this, government will give money after 6 months: Jan Dhan Yojana

Jan Dhan Yojana: Many schemes are being run by the Central Government to make the citizens of the country economically empowered and strong. The biggest scheme of which is Pradhan Mantri Jan-Dhan Planwhich was launched in 2017. The main goal of this scheme was to open a bank account for every citizen of the country. Under this scheme, crores of zero balance accounts were opened and many other benefits are also being provided to the citizens. Benefit of this scheme women They can also take it but for this they will need some important documents. Who can avail the benefits of Pradhan Mantri Jan-Dhan Yojana and how, let us know about it.

Also read: Even the most vicious fraudster will fail when you know these tactics of investment scammers.

What is Pradhan Mantri Jan-Dhan Yojana?

Pradhan Mantri Jan Dhan Yojana is a national savings scheme. The main objective of this scheme is to provide banking facilities to all the families across the country, under which every family's account is opened in the bank. Under Jan Dhan Yojana, a bank account can be opened with zero balance. That means people who don't have money can also become a part of it. So far, about 54 crore people have opened Jan Dhan accounts. An amount of Rs 2 lakh 38 thousand crore is deposited in the accounts of these people. The government provides an overdraft facility of Rs 10,000 to those who successfully operate their Jan Dhan account for six months. Whereas women account holders get overdraft facility of Rs 15,000. This means that a Jan Dhan account holder can borrow an amount up to Rs 15,000 from the bank without any documents if needed.

Who can avail the benefits of Jan Dhan Yojana?

To avail the benefits of Pradhan Mantri Jan Dhan Yojana, you need to keep the following things in mind.

To open an account, you must be a citizen of India. NRIs cannot get this facility.

– Financially weak person is given priority.

– There is no limit set by the government for opening an account. Account can be opened even with zero balance.

– Husband and wife can open a joint account in the Prime Minister Jan Dhan Yojana.

– Any person above 10 years of age can open an account.

Benefits of Pradhan Mantri Jan-Dhan Yojana

Under Jan Dhan Yojana, many benefits are provided to the account holders, which are as follows

– The biggest advantage of this scheme is that a bank account can be opened with zero balance.

– Under the scheme, interest is given on your deposited amount.

– In this, account holders get life insurance of Rs 30 thousand.

– Facility to transfer money is available anywhere in the country.

– Accident insurance up to Rs 1 lakh is also available in this.

– You can withdraw the interest money in six months.

Also Read: These tips are very effective in changing the habit of wasteful spending in children: Financial Lessons to Children

What documents are required to open an account

– The account holder must have Aadhar card or number.

– Documents of current and permanent address

– Two passport size photographs

– If there is no Aadhaar card, driving license, PAN card and NREGA card can also be used.

– Complete family information

How to open a bank account

To open an account under Pradhan Mantri Jan-Dhan Yojana, one will have to go to a government bank and fill the form and submit it. It is necessary to attach the necessary documents with the form. Apart from this, you can also go to the Pradhan Mantri Jan-Dhan Yojana website and fill and submit the online form in Hindi or English. Your account will be opened in one to two days.