Jan Dhan Yojana Account Opening Process : Is it possible to open a bank account without committing much money? People like you are assisted by the Jan Dhan Yojana. It is launched by the Central Government in India. This system was developed for poor people and those who do not have an account with a bank. Getting an account here does not require you to have a lot of documents or funds. We will discover how to open it via simple terms.
What is Jan Dhan Yojana?
The government introduced Jan Dhan Yojana as a plan. People can open a bank account with the help of a bank. Your money can be kept safe in the bank. In addition, you will receive a card to withdraw money. It won’t take much effort and is safe.
Why open a Jan Dhan account?
You can create the account even if you have no money at first. As well, you get free access to an ATM, insurance, and money help from the government. Your money will be secure when you use this service. You are allowed to withdraw money from your bank account using the ATM or by going to the bank.
Who can open this account?
People who are 10 years of age or older are allowed to open this account. You do not have to have a lot of money to invest. Opening the account is possible even if you have no income or cash. No matter if someone is a student, a housewife, a farmer, or a worker, they can use it.
What do you need to open Jan Dhan Yojana account?
You only need some simple documents. These are
-
Aadhaar card
-
Voter ID card
-
PAN card (if you have)
-
Passport (if you have)
-
Driving license (if you have)
-
2 passport-size photos
If you don’t have any ID, don’t worry. You can still open your account by going to the bank and telling them you want a small account.
Where to open the account?
You can open it in any bank near your home. Go to SBI, Bank of Baroda, Punjab National Bank, or any government or private bank. You can also go to a nearby post office. Ask them for the Jan Dhan account form.
Steps to open Jan Dhan Yojana account
-
Go to your nearest bank or post office
-
Ask for Jan Dhan account form
-
Fill your name, address, and other details
-
Attach your ID proof and photo
-
Give the form to the bank worker
-
Wait for 2-5 days
-
Your account will be open and you will get your passbook and card
What do you get after opening the account?
You get many things for free
-
Zero balance account
-
Free RuPay debit card
-
₹1 lakh accident insurance
-
₹30,000 life insurance
-
Help from government in your account
-
Mobile banking service
Things to remember
Keep your card safe
Do not share your PIN with anyone
Use ATM to take out or check money
Put some money in your account at least once every month
Link your Aadhaar to this account for more benefits
Final words
Opening a Jan Dhan Yojana account is very simple. You do not need much money or documents. It is for everyone. The government wants all people to use banks. So don’t wait. Go to your nearest bank and open your Jan Dhan account today. It is your step toward a safe and bright future.
Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.