Govt Scheme Today we will talk about such a government scheme through which you get many financial benefits. It was started in the year 2014. Its purpose was to open bank accounts for needy people. Along with opening a bank account, many financial assistance was also given to the people.
There are many such schemes of the government about which most of the people do not know. Such schemes are available at present, through which you are provided financial assistance in many ways. The scheme we are going to talk about today is named Pradhan Mantri Jan Dhan Yojana. It is also called PMJDY.
First of all, we will know what benefits are available under this scheme. The special thing about this scheme is that any person can apply in it. There is no limit to get its benefits.
What are the benefits of PMJDY?
First of all, every citizen of the country can apply in this scheme.
The objective of this scheme is to open a bank account of every citizen, so that there is no problem in reaching the money of other government schemes to them.
You do not even need to keep any minimum balance to open an account under PM Jan Dhan Yojana.
Under this, RuPay Debit Card is made for every person. Through this card, every beneficiary gets accidental cover of up to Rs 2 lakh. It means that if a person dies or gets injured in an accident, then he can claim up to Rs 2 lakh.
Apart from this, you can use this card like a normal debit card. Through this, you can withdraw money four times a month.
Whether you have money in your bank or not, you can take a loan of Rs 10,000 under this scheme. If the loan is repaid on time, then you will get another loan of Rs 10,000. The special thing about this is that there is no processing fee in this.
Even if someone does not have the necessary documents, a small account can still be opened. However, its limit is only 12 months. If within these 12 months the beneficiary gathers the necessary documents, then his account is converted into a normal account.
You get the same interest in this as a normal bank account.
How to apply?
Step 1- First of all you have to go to the official website of the scheme.
Step 2- Now you have to download the form from here.
Step 3- After this, fill all the information asked in the form carefully.
Along with this, submit the requested documents.
Step 4- Now go to your bank branch and submit this form along with the documents.
