Agar aap pm jan dhan yojana account open online benefits ke baare mein jaankari dhoondh rahe hain, toh aap bilkul sahi jagah par hain. Pradhan Mantri Jan Dhan Yojana (PMJDY) Bharat sarkar ki ek financial inclusion scheme hai, jiska maksad desh ke har nagrik ko banking services se jodna hai. Is yojana ke tehat, aap kisi bhi bank mein apna zero balance account khulwa sakte hain aur dher saare fayde utha sakte hain. Chaliye, iske poore process aur benefits ko detail mein samajhte hain.
Sochiye, Bihar ke ek chhote se gaon mein rehne wali Sunita ki kahani. Pehle uske paas koi bank account nahi tha. Sarkari schemes ka paisa ya toh usse cash mein milta tha ya kisi aur ke account mein. Jab usne Jan Dhan account khulwaya, toh na sirf usse Direct Benefit Transfer (DBT) ke through seedhe apne khaate mein paise milne lage, balkin usse Rupay debit card aur accident insurance jaise suraksha bhi mili. Yeh hai Jan Dhan Yojana ki asli taqat.
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PM Jan Dhan Yojana (PMJDY) Kya Hai?
Pradhan Mantri Jan Dhan Yojana, jo 28 August 2014 ko launch ki gayi thi, ek national mission hai jiska uddeshya banking, savings, deposits, remittance, credit, insurance, aur pension jaisi financial services ko sabhi tak pahunchana hai. Is scheme ke antargat khulwaye gaye accounts ko Basic Savings Bank Deposit (BSBD) accounts kehte hain. Ismein aapko koi minimum balance rakhne ki zaroorat nahi hoti. Is yojana ne karodon logon ko formal banking system se joda hai, June 2024 tak iske tehat 52.49 crore se zyada accounts khole ja chuke hain.
“Ek chhota sa bank account, aapki badi zarooraton ka saathi.”
PM Jan Dhan Yojana Account Open Online Benefits Ki List
Jan Dhan account khulwane ke anek fayde hain, jo neeche diye gaye hain:
- Zero Balance Facility: Account mein koi bhi minimum balance maintain karne ki zaroorat nahi hai.
- Accidental Insurance Cover: RuPay card holders ko ₹2 lakh tak ka accident insurance cover milta hai. Yeh cover un accounts ke liye hai jo 28 August 2018 ke baad khole gaye hain.
- Life Insurance Cover: Account holder ko ₹30,000 ka life insurance cover milta hai, jo unki death par nominee ko diya jaata hai (eligibility conditions apply).
- Overdraft (OD) Facility: 6 mahine tak account ko a সন্তোষজনকভাবে (satisfactorily) operate karne ke baad ₹10,000 tak ki overdraft ki suvidha milti hai. Overdraft ke liye upri age limit 65 saal hai.
- RuPay Debit Card: Har account holder ko ek RuPay debit card diya jaata hai, jisse woh ATM se paise nikal sakte hain aur shopping kar sakte hain.
- Direct Benefit Transfer (DBT): Sarkari yojanaon jaise ki pensions, scholarships, aur subsidies ka paisa seedhe aapke Jan Dhan account mein aata hai.
- Poore Bharat Mein Money Transfer: Is account ke zariye aap aasani se poore desh mein kahin bhi paise transfer kar sakte hain.
Jan Dhan Account Ke Liye Eligibility Criteria (Patrata)
Kaun-kaun Jan Dhan account khulwa sakta hai? Yahan dekhiye:
- Koi bhi Bharatiya nagrik (Indian citizen) jiska kisi doosre bank mein account nahi hai.
- 10 saal se upar ki umar ka koi bhi minor (naabalig) bhi yeh account khulwa sakta hai. Unke account ko unke guardian operate karenge.
- Jinke paas pehle se basic savings account hai, woh bhi apna account Jan Dhan Yojana ke benefits ke liye transfer karwa sakte hain.
Kaise Karein PM Jan Dhan Account Ke Liye Apply? (Step-by-Step Guide)
Aap Jan Dhan account do tarikon se khulwa sakte hain – offline (bank branch jaakar) aur online (video KYC ke through kuch banks mein).
Offline Process (Bank Branch Mein)
- Apne nazdeeki bank branch ya Bank Mitra ke paas jaayein.
- Wahan se Pradhan Mantri Jan Dhan Yojana ka form lein. Aap yeh form online bhi download kar sakte hain.
- Form ko dhyaan se bharein aur zaroori documents ke saath jama kar dein.
- Bank aapke documents verify karega aur aapka account khol dega.
PM Jan Dhan Account Open Online Process
Kuch pramukh banks ab online account opening ki suvidha bhi de rahe hain. For example, State Bank of India (SBI) jaise banks video KYC ke through Jan Dhan account kholne ki anumati de sakte hain. Process aam taur par is prakaar hota hai:
- Bank ki official website ya mobile banking app (jaise YONO for SBI) par jaayein.
- ‘Open New Account’ ya ‘Apply Now’ section mein Basic Savings Bank Deposit Account (BSBD) ka option chunein.
- Apna mobile number, email ID aur anya basic details bharein.
- Apna Aadhaar aur PAN card number enter karein. Aadhaar se link mobile number par OTP aayega.
- Video KYC ke liye slot book karein. Video call par bank ka ek anushasak (executive) aapki details aur documents verify karega.
- Verification poora hone ke baad, aapka account activate ho jaayega aur aapka passbook aur RuPay debit card aapke address par bhej diya jaayega.
Processing Time: Bank branch mein account aamtaur par उसी दिन (same day) ya kuch dino mein khul jaata hai. Online process mein bhi verification ke baad account jaldi activate ho jaata hai.
Zaroori Documents Ki Checklist
Account khulwane ke liye aapke paas neeche diye gaye documents hone chahiye:
- Identity Proof (Pehchan Patra): Aadhaar Card, PAN Card, Voter ID Card, Driving License, Passport, ya MGNREGA Job Card.
- Address Proof (Pate ka Saboot): Aadhaar Card, Voter ID, Driving License, Passport, ya utility bills (bijli/paani ka bill).
- Photograph: Do (2) passport-size photos.
Agar aapke paas upar diye gaye documents nahi hain, toh bank aapko ‘small account’ kholne ki suvidha de sakta hai jiske liye self-attested photo aur bank officer ke saamne sign ya thumb impression kafi hota hai.