Jan Dhan Yojana
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Many schemes have been made under the Prime Minister's plans, which you can avail. These schemes have been made for those families looking at the situation of poor families, or those who are financially vulnerable. And in the last 4 years many schemes have been started. The benefit of the people of India is getting
What Is Jan Dhan Yojana
This scheme was started for financial inclusion of the people of the country. Through this scheme people were made aware of banking. And they were linked directly to the economy of the country.
Under this scheme, 31.95 crore account holders have deposited funds in banks so far. Under the Prime Minister's scheme, the government wants to open the new bank accounts of the people and extend the benefits of government schemes.
This account is opened on zero balance. In which people are given insurance cover of up to one lakh rupees. Under this scheme, life insurance policy up to Rs. 30,000 is given to the nominee on the death of the policy holder.
In the Janhana Yojana, people can easily open accounts in any bank. If a person does not have the official legal document, then he can also open a small account through the rules of the Janhana scheme.
When did the Prime Minister Jan-Dhan scheme start?
In 2014, Prime Minister Narendra Modi launched the Prime Minister Janhwan Yojna. The scheme was launched on August 28, 2014. This scheme was started as a national mission. In which the people of the country can get financial services such as banking, savings and deposit accounts.
Purpose of Prime Minister Jan Dhan Yojana
You will learn more about what were the aims of starting the Prime Minister's scheme. So, what is the purpose of starting this scheme:
- This scheme was started to whiten Black Money.
- This plan was needed to make the citizens economically viable. All of which can be a part of the benefits that come from it.
- The objective of this scheme is to provide banking services to all the families in the country and to open an account in every family bank.
Benefits of Prime Minister Jan-Dhan Yojana
Under this scheme, the account holder gets many benefits, which has been explained to you further. So let's know what are the benefits of the Prime Minister Jan Dhan Yojana:
- It is absolutely free to withdraw and deposit money under this scheme.
- In the Prime Minister's scheme, the account holder can also take a loan from the bank.
- Free mobile banking facility with account as well.
- In this scheme, mobile banking, withdrawal and deposit facilities are absolutely free.
- Fund transfer can be done without any charge.
- A debit card is also given to the account which is being opened under the Prime Minister's scheme. Which he can withdraw money from his account using ATMs.
Who can open an account in the Prime Minister's Janhana Yojana
Know who can be eligible to open an account in the Prime Minister's Janhana Yojna:
- Anyone who receives nationality of India can open his account in this scheme.
- Under this scheme, a child under 10 years of age can also be opened.
- And the guardian of the child can handle their account.
- The person who has the Identity proof verified by the government official can also open this account.
What is the rule of Jan Dhan Yojana
To use this scheme you have to follow some rules. This rule is given to you further:
- You can not deposit more than one lakh rupees in your account in one year.
- In this, the amount up to a maximum of 10,000 rupees can be withdrawn per month.
- This account will remain valid for one year, it will continue for another year if the account holder shows the documents that he had presented while opening the account. And certify that within the last one year officially have applied for a valid document.
Jan Dhan Yojana Withdrawal Limit In English/Hindi
Rbi has issued instructions to withdraw money from the Jan Dhan Account and said that every month can be withdrawn till 10 thousand rupees from Jan Dhan Account.
Rbi has told the bank's manager that if an account holder has to remove more than Rs 10,000 in a month, he will have to give his full details of his need that he is using the money.
While issuing the notification, RBI has said that full KYC generator account holders can withdraw only Rs 10,000 from their account in one month. And Non KYC account holders can withdraw Rs. 5,000 / - per month.
Conclusion
Through today's post you have known that PM Jan Dhan Yojana Kya Hai and also you also know what the benefits of the Prime Minister Jan-Dhan Yojana are. Hope that the information we tell you will be helpful.
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