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Financial InclusionCentral GovernmentVerified 1 Sep 2026
Pradhan Mantri Jan Dhan Yojana (PMJDY)
Nodal Implementing Authority: Department of Financial Services (DFS), Ministry of Finance, Government of India
Administrative ScopeCentral Government
CategoryFinancial Inclusion
Target BeneficiariesAll unbanked adults and households across rural and urban India
Scheme Purpose & Core Objectives
National mission for comprehensive financial inclusion ensuring universal access to banking facilities with at least one basic banking account for every household.
Key Benefits Provided to Beneficiaries
Zero balance Basic Savings Bank Deposit (BSBD) account with no minimum balance penalty
Free RuPay Debit Card with inbuilt Rs. 2,00,000 accidental insurance cover
Overdraft facility up to Rs. 10,000 to eligible account holders after satisfactory operation
General Eligibility Criteria
Statutory qualifications required for enrollment without volatile budgetary or transient criteria.
✓Any Indian citizen aged 10 years and above
✓Individual must not have an existing basic savings bank account
✓Simplified KYC documentation accepted for small accounts