Got more questions?
For any queries, locate the nearest branch.
Locate BranchesTo access the old website
Click Here
Pradhan Mantri Jan-Dhan Yojana (PMJDY)
The Pradhan Mantri Jan-Dhan Yojana (PMJDY) is a scheme introduced by the government in 2014. It aimed to ease banking services and make it accessible to the people. Axis Bank in-line with this initiative has introduced a Savings Account adhering to the policies of Pradhan Mantri Jan-Dhan Yojana. Some of the Pradhan Mantri Jan-Dhan Yojana benefits include simplified access to all privileges under the scheme and no minimum balance requirements.
Features & Benefits
Seek help from Bank Mitra, if there is no bank close by
A bank Mitra serves as a pivotal representative of a bank, especially authorised to deliver basic banking functions in regions lacking bank branches or ATMs, targetting
Read MoreThe array of services Bank Mitra provides includes
- Educating the community about banking products, offering debt counselling, and imparting advise on financial management to foster awareness
Earn interest starting from 3.0% on daily balances, quarterly
Click here to view the new interest rate of Savings Account.
Avail of Basic Savings Bank Deposit Account (BSBDA)
Basic Savings Bank Deposit Account facilities offered at no extra cost:
Read MoreOpen ‘Small Accounts’ in case you do not have any officially valid documents
Under Pradhan Mantri Jan-Dhan Yojana, in case of no officially valid documents available, you can open a Small Account using self-attested photograph and signature or
Read MoreSmall Account Limits
- Aggregate credits – not more than ₹1 Lakh in a year
- Aggregate withdrawals – not more than ₹10,000 in a month
Get chequebooks and overdraft facilities
Account under Pradhan Mantri Jan-Dhan Yojana is a zero-balance account, with chequebook available in case the minimum balance requirement of the bank is fulfilled.
Read MoreBank with a free RuPay Debit Card
RuPay Debit Card is an indigenous debit card introduced by the National Payment Corporations of India (NPCI).
Read MoreKeep yourself, your family and assets safe
Accidental insurance cover of ₹1 Lakh and life insurance cover of ₹30,000 available to all account holders, at no charge or premium.
Read MoreMobile Banking
Axis Mobile App provides an mPIN facility to keep all your transactions secure. As an added verification, provide authentication through your Internet Banking or Debit
Read MoreTransfer your account with ease
Easily transfer the account from one branch of the bank to another, in any city or town, as per your needs and choice.
Complaints and Grievance Redressal
Click here for Complaints and Grievance Redressal.
The array of services Bank Mitra provides includes
Avail of Basic Savings Bank Deposit Account (BSBDA)
Basic Savings Bank Deposit Account facilities offered at no extra cost:
Small Account Limits
Small Account will be valid for 12 months, post which it will be allowed to continue for 12 more months, if you provide a document ascertaining that you have applied for any of the officially valid documents within 12 months of opening your account.
Get chequebooks and overdraft facilities
Account under Pradhan Mantri Jan-Dhan Yojana is a zero-balance account, with chequebook available in case the minimum balance requirement of the bank is fulfilled.
Overdraft facility of upto ₹5,000, available to only 1 account holder per household, preferably the lady; if account is satisfactorily maintained for 6 months. Aadhaar number or declaration from the beneficiary is required to avail of this facility.
Bank with a free RuPay Debit Card
RuPay Debit Card is an indigenous debit card introduced by the National Payment Corporations of India (NPCI). It is accepted at all ATMs (for cash withdrawal) and at most of the Point of Sale machines (for making cashless payments for purchases) in the country.
RuPay Debit Card can be issued for an existing account, if no new account is created under Pradhan Mantri Jan-Dhan Yojana. Credit facilities will be available to this account if it is being operated satisfactorily.
RuPay Debit Card can also be issued for customers who cannot read and write, provided the bank manager informs them of all the risks, at the time of issuance.
Tips to remember:
Keep yourself, your family and assets safe
Accidental insurance cover of ₹1 Lakh and life insurance cover of ₹30,000 available to all account holders, at no charge or premium.
Accidental insurance available only if the card is used at least once in 45 days; and in case you own multiple accounts, accidental insurance is offered on only one account.
Seek help from Bank Mitra, if there is no bank close by
A bank Mitra serves as a pivotal representative of a bank, especially authorised to deliver basic banking functions in regions lacking bank branches or ATMs, targetting both rural and urban demographics.
Open ‘Small Accounts’ in case you do not have any officially valid documents
Under Pradhan Mantri Jan-Dhan Yojana, in case of no officially valid documents available, you can open a Small Account using self-attested photograph and signature or thumb print put in the presence of an official of the bank.
Mobile Banking:
Axis Mobile App provides an mPIN facility to keep all your transactions secure. As an added verification, provide authentication through your Internet Banking or Debit Card credentials to use any feature on the Axis Mobile App. Click here to know more.
Eligibility for Pradhan Mantri Jan-Dhan Yojana
You can open this savings account if you satisfy the Pradhan Mantri Jan-Dhan Yojana eligibility. Also, if you're interested in applying to become a Bank Mitra you can do so.
Documents for Pradhan Mantri Jan-Dhan Yojana
Certain documents for Pradhan Mantri Jan-Dhan Yojana will be required to open this savings account. Also, there are provisions for ‘low-risk’ individuals who do not have valid documents but who wish to open the account. Here are the documents that you will have to submit.
Documents for Pradhan Mantri Jan-Dhan Yojana Account for individual:
For full KYC account click here.
If KYC documents are not available click here.
Fees & Charges
You will have to pay certain Pradhan Manti Jan-Dhan Yojana fees and penal charges, if applicable. The fees and charges for Pradhan Mantri Jan-Dhan Yojana are nominal and transparent with no hidden costs.
Important Links
Explore essential details about Pradhan Mantri Jan-Dhan Yojana here.
Related Products
Learning Hub
Look through our knowledge section for helpful blogs and articles.
Copyright@ 2025 Axis Bank