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How To Open A Jan Dhan Yojana Account

  • Highlights

  • PMJDY: an important step towards financial inclusion

  • Open to every Indian citizen

  • Easy access for all to the banking system

  • Added benefits and financial subsidies

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 would give every citizen access to not just banking facilities, but also to 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 fulfill the below conditions:
- Be a citizen of India
- Age: 10 years and above
- Do not have bank account

Additional Read : Jan Dhan Yojana Eligibility

Banks offering BSBDA service

You can visit any of the below public-sector banks’ branch to open the Jan Dhan Yojana account:
- State Bank of India (SBI)
- State Bank of Bikaner & Jaipur,
- State Bank of Hyderabad,
- State Bank of Mysore, State Bank of Patiala,
- State Bank of Travancore
- 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
- Vijaya Bank
- Punjab & Sind Bank, Bank
- Syndicate Bank
- Dena Bank
- Allahabad Bank
- Union Bank of India
- Oriental Bank of Commerce (OBC)

Private Sector Banks Where You Can Open 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.

Required Documents For Jan Dhan Yojana Account

To make KYC easy, an account can be opened 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 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 document, you can still open a ‘Small Account’ with the bank by submitting a self-attested photo and signing or giving thumb print in presence of a bank official.

Additional Read :
What is Jan Dhan Yojana
How to apply for PAN Card Online

Jan Dhan Yojana Account Opening Form

Along with any of the above documents, you must also submit a duly filled application form. It is a simple and small form that requires the following details to be filled in-

- Basic identity details like name, address, Aadhaar number, PAN, occupation
- Annual income
- Number of dependents
- Details of assets, if any
- Existing bank account details of any family member/household

To download English form,
visit https://www.pmjdy.gov.in/files/Forms/account-opening/English.pdf
To download Hindi form, visit https://www.pmjdy.gov.in/files/Forms/account-opening/Hindi.pdf

How To Check Jan Dhan Yojana Account Status

To check the status of your PMJDY account,
visit http://pmjdy.net/. Click on ‘Status Enquiry’ tab. Enter the reference number you received after submitting the documents to know the status.

If required, you can raise a complaint by clicking the ‘Feedback/Information/Complaint/Suggestion’ tab and entering details.

PMJDY has simplified the account opening process to encourage more citizens to open their bank accounts and bring India closer to overall financial inclusion.

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