Connect with us

News

PM Jan Dhan Account 2022 New Update: Get Benefits Upto Rs 1.30 Lakhs

Published

on

PM Jan Dhan Account 2022: The Central Government has issued a guideline on Jandhan Accounts in the form of a Central Government Circular. Should you fail to comply with the directive issued by the Modi government, you risk incurring a significant loss of 1, 30,000 rupees. According to the most recent data that was made available by the Ministry of Finance, the total balance that was held in more than 44.23 crore Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts was Rs 1,50,939.36 crore as of the end of December 2021. In point of fact, the center has been instructed to link a person’s Aadhaar number with their Jan Dhan account.

PM Jan Dhan Account 2022 New Update

The Prime Minister’s Jandhan Account is one of the initiatives that are being carried out by the central government. Those who have this account are eligible for a wide variety of privileges. If Aadhaar is not linked to the account, then you will not be able to make use of this facility. This account grants access to a 30,000 rupee life insurance policy in the event that someone is killed in an accident. If an individual has their Aadhaar number linked to their bank account, they are eligible for all of these benefits.

Prime Minister Narendra Modi made the PM Jan Dhan Account 2022 announcement during his Independence Day speech on August 15, 2014, and the account was simultaneously launched on August 28, 2014, with the goal of promoting financial inclusion. This national mission was initiated to ensure that individuals have access to a variety of financial services, including banking, remittance, credit, insurance, and pension plans, at prices that are reasonable for them.

Interest Rate Based on the saving’s account interest rate offered by the bank
Minimum Balance Zero balance account
Accidental Insurance Cover Under Rupay Scheme, Rs.1 lakh. Accounts opened after 28 August 2018, Rs.2 lakh
Overdraft Facility Provided

Benefits of PM Jan Dhan Account 2022

  • One basic savings bank account is opened for unbanked person.
  • There is no requirement to maintain any minimum balance in PMJDY accounts.
  • Interest is earned on the deposit in PMJDY accounts.
  • Rupay Debit card is provided to PMJDY account holder.
  • Accident Insurance Cover of Rs.1 lakh (enhanced to Rs. 2 lakh to new PMJDY accounts opened after 28.8.2018) is available with RuPay card issued to the PMJDY account holders.
  • An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available.
  • PMJDY 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 & Refinance Agency Bank (MUDRA) scheme.

Eligibility for Opening a PM Jan Dhan Account 2022

  • Individuals with Indian nationality status are eligible to successfully open a Jan Dhan Yojana account.
  • An individual with no valid documents as proof for Indian nationality status can also open a Jan Dhan Yojana account, provided the concerned bank does the required background check on the individual and categorises him or her as ‘low risk’
  • Minors aged above 10 years are also eligible to have a Jan Dhan Yojana account in any bank across the country. However, minors will require the support of guardians to administer the Jan Dhan account. Minors can also use RuPay Cards through which they can withdraw money from ATMs
  • Individuals who already have a basic savings account in operation with a bank can easily transfer or link their accounts to Jan Dhan Yojana accounts to avail of various benefits offered by the latter
  • Individuals who can submit any form of identity proof which is duly authorized by gazette officers can open a Jan Dhan Yojana account

How to Link Aadhaar with PM Jan Dhan Account 2022

PM Jan Dhan Account 2022: Customers can link their Aadhaar numbers to their Jan Dhan accounts by visiting their local bank branch. It is necessary to provide the bank with a Xerox copy of the first page of both the passbook and the identification card. You can link your Aadhaar number with your Jan Dhan account through SMS at home, and you can do so at a number of different banks. Customers of the State Bank of India (SBI), for instance, have the ability to send a text message from a phone number that has been previously registered. UID Aadhaar number.

Creating a link between the Aadhaar card and the Pradhan Mantri Registering for a Jan Dhan Yojana bank account can be done over the internet, at an automated teller machine, by using SMS services, or by going to the Aadhar Card enrollment center that is located closest to you.

Advertisement

How to Link Aadhaar with PM Jan Dhan Account 2022 by Visiting ATM

An ATM is the method of choice for establishing the connection between your Pradhan Mantri Jan Dhan Yojana bank account and your Aadhaar number. Simply complete the linking process via ATM by following the steps that are outlined below:

How to Link Aadhar with PM Jan Dhan Account 2022 Via SMS

The use of short message service (SMS) for the Aadhaar number and the Pradhan Mantri The Jan Dhan Yojana Bank Account is practical and can be opened by adhering to the few simple steps that are outlined in the following paragraphs:

How to Link Aadhaar with PM Jan Dhan Account 2022 via Online Mode

If you want to link your Pradhan Mantri Jan Dhan Yojana Bank Account to your Aadhaar card using the online mode, follow the steps that are mentioned below:

How to Link Aadhar with PM Jan Dhan Account 2022 By Visit Branch

In addition, you can link your PM Jan Dhan Account 2022 to your Aadhaar number by going to the Aadhaar enrollment center that is located closest to you. To successfully complete the linking of your Aadhaar number and the PMJDY program using the offline mode, follow the steps below:

Advertisement
  • Visit the nearest branch along with your Aadhaar card and bank passbook. Don’t forget to carry the self-attested copies of Aadhaar card and passbook.
  • Request for the “Aadhaar Linking Form” from the official present at the desk.
  • Fill in the information like Aadhaar number, name, address, bank account, etc., correctly to avoid any delay in the process.
  • Attach the self-attested copies of Aadhaar card and bank passbook with the form and hand it over to the official.
  • Once you submit all the documents, within 2-3 working days your bank account and Aadhaar number will get linked. You will also receive a confirmation message on your Aadhaar registered mobile number.

PM Jan Dhan Account 2022 Documents Required to Open

In case individuals wish to open an account, viable documents must be submitted. The list of documents required for PMJDY account under the scheme are mentioned below:

  • Passport
  • Permanent Account Number (PAN) Card
  • Aadhaar
  • The National Rural Employment Guarantee Act issued job card
  • Driving licence
  • Voter ID
  • Identity card with photo which has been issued by the central or state government departments, public sector undertakings, scheduled commercial banks, public financial institutions and statutory or regulatory authorities
  • A photograph which has been attested along with a letter from a Gazetted officer must be submitted
Advertisement