Pradhan Mantri Jan Dhan Yojana 2020 (प्रधानमंत्री जन धन योजना) – Benefits, Latest Update, Eligibility

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Pradhan Mantri Jan Dhan Yojana 2020

In our country, there are many people in rural and urban areas who are deprived of banking facilities. Many people are unable to open accounts in banks because of this because it is mandatory to keep the minimum amount in the account. In view of this problem, Prime Minister Jan Dhan Yojana 2020 was announced on 15 August 2014 by the Prime Minister of India, which was launched on 28 August 2014. Under this scheme, any citizen of the country can open accounts in any bank, post office and nationalized banks on zero balance. Read this article carefully to get more information about Pradhanmantri Jan Dhan Yojana 2020.

Pradhan Mantri Jan Dhan Yojana 2020

Pradhanmantri Jan Dhan Yojana 2020

Through this scheme, poor people of all rural and urban areas of the country can easily open accounts in banks. Under PM Jan Dhan Yojana, the beneficiary is also given an overdraft facility of 5000 rupees after 6 months of opening the account. Apart from this, if the beneficiary dies due to any reason after opening the account, then the central government will also provide an additional insurance cover of Rs 30,000 to the beneficiary’s family. Under PM Jan Dhan Yojana, accident insurance up to Rs 1 lakh will also be covered to the beneficiary.

प्रधानमंत्री जन धन योजना 2020 को देश की सभी जनता को बैंकिंग सुविधाओं का लाभ प्रदान करने के लिए लागु किया गया था । हमारे देश में बहुत से ऐसे गरीब और ग्रामीण परिवार है जिनके पास स्वयं का बैंक अकाउंट नहीं है । और इसकी वजह है की प्रत्येक बैंक में मिनिमम पैसे रखना अनिवार्य होता है इस समस्या को दूर करने के लिए नरेंद्र मोदी जी ने जन धन योजना को लागु किया है जिससे देश का कोई भी नागरिक किसी भी बैंक अकाउंट में जीरो बैलेंस पर अपना खाता खुलवा सकता है ।

Benefits of Pradhan Mantri Jan Dhan Yojana 2020

  • Under this scheme, a beneficiary can open an account on zero balance in any bank.
  • The benefit of this scheme can also be availed by a child up to 10 years old.
  • Beneficiaries of the schemes run by the government from time to time will get the beneficiaries directly in these accounts.
  •  The account can be opened by the beneficiary at any bank branch or business correspondent (bank friend) outlet.

Monetary Benefits of PM Jan Dhan Yojana 2020

Overdraft Limit (After 6 Month) Rs. 5000
Accident Insurance Rs. 100000
After Death (Life Insurance) Rs. 30000
Loan (Without Any Documents) Rs. 10000

PM Jan Dhan Yojana 2020 – New Update

As we all know that right now our country is troubled due to Coronavirus and due to this the Prime Minister of India has also put a lockdown of 21 days in the whole country. Many measures are being taken by the government to overcome this problem. Due to these efforts, the Finance Minister Nirmala Sitharaman Ji will provide a sum of 500 rupees for 3 months to all the women of the country who have an open bank account under Jan Dhan Yojana. This benefit will be provided to 20 crore women of India.

जैसा कि हम सभी जानते हैं कि अभी हमारा देश कोरोनावायरस के कारण परेशान है और इसी के कारण भारत के प्रधानमंत्री ने भी पूरे देश में 21 दिनों का तालाबंदी की है। इस समस्या को दूर करने के लिए सरकार द्वारा कई उपाय किए जा रहे हैं। इन प्रयासों के कारण, वित्त मंत्री निर्मला सीतारमण जी देश की उन सभी महिलाओं को 3 महीने के लिए 500 रुपये की राशि प्रदान करेंगी जिनके पास जन धन योजना के तहत एक खुला बैंक खाता है। यह लाभ भारत की 20 करोड़ महिलाओं को प्रदान किया जाएगा।

Factors of Pradhan Mantri Jan Dhan Yojana

  • Access to banking facilities
  • Basic banking facility
  • Financial literacy program
  • Micro credit
  • Micro insurance facility
  • Prime Minister’s Life Insurance Yojana (PMLIY)
  • Pradhan Mantri Suraksha Bima Yojana (PMSBY)
  • RuPay Debit Card

Required Documents

  • Passport Size Photograph
  • Mobile Number
  • Address Proof
  • Aadhar Card/Voter ID Card/Driving License/Pan Card

How to apply for the PM Jan Dhan Yojana 2020?

A beneficiary of opening an account under Pradhan Mantri Jan Dhan Yojana will have to visit his nearest bank. From that he will have to get the application form to open Jan Dhan account. Then fill all the information asked in that application form and submit it to the bank official along with all the documents.

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Vijendra Choudhary is the Author & Co-Founder of the Arealnews.com. He has also completed his BCA & MCA in Computer Engineering from RTU Rajasthan. He is passionate about Blogging & Digital Marketing. He has 5+ years of experience in Digital Marketing.

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