What is Jan dhan yojna ? | Benefits | Eligibility

What is Jan dhan yojna ?

What is Jan dhan yojna – Our country of India was a very developed country in ancient times, but gradually with time our economic condition has deteriorated due to which we are far behind today and at the same time the people of our country do not adopt new technology soon.  They are also hesitant to adopt new technology, so in today’s time most of the developed countries are encouraging online payment because it is considered very safe.

 Barter system was prevalent in our country in ancient times, then with the progress of time we reached currency exchange but now it is the turn to adopt online so that transactions can be cashless.  For this we should have our own bank account.  In our country even today people keep their savings by depositing their savings at home, to change this habit, we should open our bank account.

 Prime Minister of India, Shri Narendra Modi, on 15 August 2014 announced the world’s largest financial inclusion scheme “Pradhan Mantri Jan Dhan Yojna (PMJDY)” to connect people with banks and get freedom from financial untouchability, which started on 28 August 2014.  done in the country.

 What is Pradhan Mantri Jan-Dhan Yojana?

 Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a National Mission for Financial Inclusion with an objective to effectively make financial services like Banking/Savings, Deposit Accounts, Remittance, Loans, Insurance, Pension etc. accessible to all.

 What are the benefits of Pradhan Mantri Jan-Dhan Yojana?

 Some special benefits to be received from Pradhan Mantri Jan Dhan Yojana –

 Interest on Deposit – Under Pradhan Mantri Jan Dhan Yojana, you get simple interest on the deposited amount at a fixed rate on opening a bank account.

 Accident insurance of Rs 1 lakh – On opening a bank account under the Pradhan Mantri Jan Dhan Yojana, you get an accident insurance of Rs 1 lakh under any accident.

 No need to maintain minimum balance – On opening an account in the bank under Pradhan Mantri Jan Dhan Yojana, you get the facility of not keeping the minimum amount along with interest and accident insurance up to Rs 1 lakh on that amount.  This means that any minimum amount that needs to be kept in your account is up to you to keep the money in your account for your convenience.

 Facility of Life Insurance – Under this plan you will also get life insurance up to Rs.30,000.  For example, if only one person is the earner at someone’s house, then having this account will provide facilities like accident insurance and Jeevan Jyoti insurance, so that if anything happens to the family members suddenly, they can face it.  Will be able

 Facility to send money anywhere in India – Pradhan Mantri Jan Dhan Yojana was launched in India to encourage banking habit among all the people of the country.  The features of this include that by having a bank account, we can transact money anytime and anywhere in India.

 Benefits of government schemes directly in the account – Most of the facilities provided by the Government of India were earlier offline, due to which there were problems like bribery, but now all this can be avoided by being directly in the beneficiary’s account from bribery and other troubles.

 Overdraft facility – By having an account in Pradhan Mantri Jan Dhan Khata Yojana, you can also get the facility of overdraft.  If your account is being operated satisfactorily for 6 months, then you also get the facility of overdraft in that account

Conclusion –

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