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  2. India Services
  3. Schemes
  4. Jan Dhan Yojana
👷 Workers & informal sector👩 Women & girls

Jan Dhan Yojana

Pradhan Mantri Jan Dhan Yojana (PMJDY)

PMJDY provides basic zero-balance savings accounts with a RuPay card, accident cover and access to DBT and overdraft. See our detailed service guide for how to open one.

Official portal · Ministry of Financepmjdy.gov.inVisit official site
Last updated 19 Jul 2026 Verified against Ministry of Finance Educational guide, not a government site — see our editorial policy.

Disclaimer

TechToolsCenter is an independent educational platform. We are not affiliated with any Government authority. We do not process applications or collect personal information for government services. Always complete your application through the official government website linked on this page.

Benefits

  • Zero-balance account
  • RuPay debit card & accident cover
  • DBT and overdraft access

Eligibility

  • Any Indian citizen (incl. minors above 10 with a guardian)

Documents needed

Aadhaar or a valid documentPassport-size photograph

How to apply

  1. 1Visit any bank or Bank Mitra.
  2. 2Fill the account opening form.
  3. 3Get your zero-balance account and RuPay card.
Detailed step-by-step guideJan Dhan Account (PMJDY) — full guide

Sponsored

Frequently asked questions

Is a Jan Dhan account really zero balance?

Yes, it can be opened and maintained with zero balance and comes with a free RuPay card.

Related schemes

PM Suraksha Bima Yojana

Accident insurance cover at a very low yearly premium.

PM Jeevan Jyoti Bima Yojana

Life insurance cover at an affordable yearly premium.

PM Ujjwala Yojana

Free LPG gas connection for women of low-income households.

PM Awas Yojana

Financial help to build or buy a pucca house.