Pradhan Mantri Jan-Dhan Yojana (PMJDY) Scheme

Documents required to open an account under Pradhan Mantri Jan-Dhan Yojana

  • If Aadhaar Card / Aadhaar Number is available, then no other documents are required. If the address has changed, then a self-certification of current address is sufficient.
  • If Aadhaar Card is not available, then any one of the following Officially Valid Documents (OVD) is required: Voter ID Card, Driving License, PAN Card, Passport & NREGA Card. If these documents also contain your address, it can serve both as Proof of Identity and Address.
  • If a person does not have any of the “Officially Valid Documents” mentioned above, but it is categorized as low risk by the banks, then he / she can open a bank account by submitting any one of the following documents:
    • Identity Card with applicant’s photograph issued by Central/State Government Departments.
    • Statutory/Regulatory Authorities.
    • Public Sector Undertakings.
    • Scheduled Commercial Banks and Public Financial Institutions.
    • A letter issued by a Gazetted officer, with a duly attested photograph of the person.

Special Benefits under PMJDY Scheme

  • Balance Required - No minimum balance required
  • Deposits: Unlimited number and value of cash deposits, NEFT/RTGS/IMPS credits and cheque collections.
  • Cards: Debit Card with no annual fees for issuance or renewal.
  • Cheque Books: Minimum of 25 free cheque leaves per year.
  • Digital Access: Free Internet and mobile banking facilities.
  • Statements: Free passbook or monthly email/print statements. No charge for continuation passbooks.
  • Withdrawals: Minimum of four free withdrawals per month (including transfers and ATM transactions) thereafter standard charges applied. Digital payment transactions (POS, NEFT, RTGS, UPI, IMPS, etc.) shall not be counted toward the four-free withdrawal limit.
  • Overdraft - Overdraft facility applicable as per the eligibility.
  • Accidental insurance cover .
    • RuPay Old PMJDY cardholders: Rs.1,00,000/-
      • PMJDY OLD – RuPay Card issued on PMJDY account opened till 28th August’18.
    • RuPay New PMJDY cardholders: Rs.2,00,000/-
      • PMJDY New – RuPay Card issued on PMJDY account opened after 28th August’18 onwards

Above Insurance claim eligible period - 1 st Apr 2026 to 31 st March 2027

FAQ on PMJDY scheme