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How to open a Jan Dhan Yojana Account? - Step-by-step guide
Jan Dhan Account is a part of Pradhan Mantri Jan-Dhan Yojana (PMJDY), a national mission dedicated to financial inclusion.
With this government scheme, individuals without a bank account can now open a zero-balance savings account and access multiple beneficial facilities, such as remittance, insurance and pension, all in one place.
Let us learn how to open a Jan Dhan Yojana account online in just a few simple steps.
Eligibility criteria for Jan Dhan Yojana account
To open a Jan Dhan Yojana account, you have to fulfil some basic eligibility conditions, including:
- You must be an Indian citizen.
- You must be at least 10 years old (for minor account holders).
- You must not have any other account.
- You must have an authorised identity proof.
Documents required for opening a Jan Dhan Yojana account
You can provide the following documents to open a Jan Dhan Yojana account:
- Duly filled PMJDY account opening form
- Aadhaar card
- Self-certification of current address in case your address has changed
- Voter ID, PAN card, Driving licence, Passport or NREGA card if you do not have an Aadhaar card
In case you do not have any government-issued documents but are categorised as “low-risk” by a bank, you can proceed to open a Jan Dhan bank account and obtain its direct benefits by submitting one of the following documents:
- A letter issued by a gazetted officer with your duly attested photograph
- An identity card with your photograph issued by Statutory/Regulatory Authorities, Scheduled Commercial Banks, Public Sector Undertakings, Central/State Government Departments or Public Financial Institutions
How to open a Jan Dhan account online?
You can initiate the online process of opening the Jan Dhan Yojana account; however, you will have to visit the branch of your chosen bank to open your account.
Here is the step-by-step process to open a Jan Dhan account:
1. Visit the official PMJDY portal.
2. Scroll down and find the “e-DOCUMENTS” section.
3. Download the Jan Dhan account application form in your preferred language.
4. Print the form, fill it out with accurate details and attach your passport-size photograph to it.
5. Locate the nearest branch of your chosen bank. For example- if you want to open a Jan Dhan account with Axis Bank, use the branch locator to find the nearest Axis Bank branch.
6. Visit the bank branch with the required documents and duly fill out the account opening form.
7. Submit the documents to an authorised bank official and he will assist you in opening a Jan Dhan account.
If you are unable to find a bank branch near your home, you can visit a Business Correspondent (Bank Mitra) outlet to open a basic savings deposit account under the PMJDY scheme.
Download the application form for Jan Dhan Yojana bank account
To download the application form for the Jan Dhan Yojana bank account, open the PMJDY website and navigate to the “e-DOCUMENTS” section. There, you will find the links to download account opening forms in both Hindi and English.
Also Read: The role of Savings Accounts in retirement planning
Conclusion
By following the steps outlined in this blog, you can take the first step towards financial inclusion and open a Jan Dhan Yojana account even if you do not have an Aadhaar card or other official documents.
Thanks to a simple account application process and minimal documentation requirements, citizens can now access a range of financial services and enjoy insurance coverage.
Visit Axis Bank’s website and open your Jan Dhan account today!
Disclaimer: This article is for information purpose only. The views expressed in this article are personal and do not necessarily constitute the views of Axis Bank Ltd. and its employees. Axis Bank Ltd. and/or the author shall not be responsible for any direct / indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. Please consult your financial advisor before making any financial decision
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