How to open a Jan Dhan Yojana account

Pradhan Mantri Jan Dhan Yojana (PMJDY) was launched in August 2014 as a step towards overall financial inclusion. The objective was to ensure that every individual/family should have at least one bank account. This scheme would give every citizen access to banking facilities and various financial subsidies passed by the government. If you are interested in opening a PMJDY account, here is everything you need to know.

Jan Dhan Yojana eligibility

To open a Basic Savings Bank Deposit Account (BSBDA) with zero balance under PMJDY, you need to fulfil the below conditions:

• You must be a citizen of India
• You should be aged 10 years or over
• You should not have a bank account

Banks offering BSBDA services

You can visit a branch of any of the following public-sector banks’ branches to open a Jan Dhan Yojana account:

• State Bank of India (SBI)
• Bank of Baroda (BoB)
• Andhra Bank
• Bank of Maharashtra
• Bank of India (BoI)
• Canara Bank
• Corporation Bank
• IDBI Bank
• Indian Bank
• Punjab National Bank (PNB)
• Central Bank of India
• Punjab & Sind Bank, Bank
• Syndicate Bank
• Allahabad Bank
• Union Bank of India

Private sector banks where you can open the Jan Dhan Yojana account

• ICICI Bank Ltd.
• Axis Bank Ltd.
• HDFC Bank Ltd.
• Federal Bank Ltd.
• IndusInd Bank Ltd.
• ING Vysya Bank Ltd.
• Karnataka Bank Ltd.
• Kotak Mahindra Bank Ltd.
• YES Bank Ltd.
• Dhanalaxmi Bank Ltd.

Documents required for the Jan Dhan Yojana account

The process for KYC for the Jan Dhan Yojana account is convenient. You can easily open the account by providing any of the below documents.

• Passport
• Driving licence
• PAN card
• Aadhaar card
• Voter’s identity card
• Job card issued by NREGA signed by an officer of the State Government
• ID card with a photograph issued by Central/State Government departments, Statutory/Regulatory Authorities, Public Sector Undertakings, scheduled commercial banks, and public financial institutions; or
• A letter with a duly attested photograph of the person issued by a Gazetted officer

If you do not have any valid documents, you can still open a ‘Small Account’ with the bank by submitting a self-attested photo and signing or giving a thumbprint in the presence of a bank official.