Jan Dhan Yojna: The Modi government began the Pradhan Mantri Jan Dhan Yojna in the year 2014. Under this plan, the government will now also give you an advance. How can you get that money out of your account? Know how everything works.
PM Jan Dhan Account: The Modi government started the Pradhan Mantri Jan Dhan Yojana (PMJDY) in 2014 to help people get bank accounts. Anyone can open a bank account on Zero Balance Bank Account under this plan. The government has now made a lot of changes to this plan. People who signed up for the scheme and opened an account can now get up to Rs 10,000 from these accounts. How can this money be put into your account? Know how everything works.
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Poor will get an overdraft
This plan from the central government will help the poor a lot. The best thing about this plan is that it lets you ask for an overdraft on your account. Anyone with an account can use the overdraft option, but you have to talk to your bank manager to do so. A loan is something like an overdraft facility. After you call the branch, the bank can give you an overdraft, which you can easily get back with an ATM card or UPI. In the overdraft facility, interest has to be paid every day. If you put the payment back into OD, you won’t have to pay interest on that amount. In the past, PM Jan Dhan’s accounts could get an overdraft of Rs 5,000 from the bank. The price has now gone up to 10,000 rupees. For overdraft, you need to have had your Jan Dhan account for at least 6 months.
an open an account like this
Under this government plan, you can open an account. You only need your Aadhar card and PAN card for this. Under this plan, children over the age of 10 can open an account. A Rupay debit card is given to the account holder when the account is opened. This card also gives you insurance coverage of Rs 2 lakh. Along with this, a Rs 30,000 life insurance policy is also given.
Millions of accounts opened so far
So far, 46,250,000,000 people have opened accounts through this government program. In March 2015, there were only 14,72 crore accounts under this scheme. At the same time, by August 10, 2022, there will be three times as many of these accounts, or 46.25 crores.
