🏦 Bank, insurance & pension · Department of Financial Services
Pradhan Mantri Jan Dhan Yojana (PMJDY)
A free bank account for every household, with insurance and overdraft.
What you get
Zero-balance bank account + ₹2 lakh accident cover
🔗 Direct official links
These open the government website in a new tab. Applying there is free; never pay anyone for a form.
✅ Benefits
- Savings account with no minimum balance.
- Free RuPay debit card with ₹2 lakh accident insurance (accounts opened after 28 August 2018).
- Overdraft up to ₹10,000 for eligible account holders.
👤 Who can apply
- Any Indian citizen aged 10 or above without a bank account (minors with a guardian).
📄 Documents needed
- Aadhaar card, or any other official ID with address (voter ID, driving licence, passport, NREGA job card)
📝 How to apply
- Visit any bank branch or bank mitra (business correspondent).
- Fill the account opening form and give your Aadhaar / ID.
- Collect your passbook and RuPay card.
Benefits in detail
- Savings account with no minimum balance.
- Free RuPay debit card with ₹2 lakh accident insurance (accounts opened after 28 August 2018).
- Overdraft up to ₹10,000 for eligible account holders.
- Government benefits (DBT) come straight into this account.
Who can apply
- Any Indian citizen aged 10 or above without a bank account (minors with a guardian).
Documents needed
- Aadhaar card, or any other official ID with address (voter ID, driving licence, passport, NREGA job card)
How to apply, step by step
- Visit any bank branch or bank mitra (business correspondent).
- Fill the account opening form and give your Aadhaar / ID.
- Collect your passbook and RuPay card.
Last checked against the official website: 26 Sept 2026
Amounts and rules can change. The official website is always final. YojanaHelper is an independent guide, not a government website.
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