Hum me se bahut se log aise hain jinke paas bank account nahi hai. Pradhan Mantri Jan Dhan Yojana aise aur bahut sare financial inclusion ke challenges ko overcome karta hai.
Aaj hum isi ko thoda aur discuss karenge:
Pradhan Mantri Jan Dhan Yojana kya hai?
PMJDY ya Pradhan Mantri Jan Dhan Yojana ek aisi financial inclusion scheme hai jo banking services provide karne me help karta hai. Yeh scheme 28 August 2014 ko launch hui thi. Aur iska main purpose hai financial inclusion aur banking ka access.
Iss scheme ke under, ek basis savings account kisi bhi bank me khola ja sakta hai.
Isme kya kya benefits aapko milte hain?
Government of India PMJDY holders ko ye benefits provide karti hai:
- Har unbanked person ke liye ek banking account bina kisi minimum balance ke
- Financial Literacy aur Inclusion
- Ek ghar me ek account holder ko Rs. 5000 tak ki overdraft facility: ek aisi facility jisse hum bank se jitna amount hamare account me hai ussey zyada amount, approved limit tak, nikal sakte hain. Ye facility 6 mahine tak account usage ke baad milti hai
- Har beneficiary ko ek RuPay card jisme Rs. 1 lakh ka ek accident insurance cover. 28 February 2018 ke baad open hue account ke liye yeh cover Rs. 2 lakh hai. Yeh benefit avail karne ke liye yeh card har 45 days me at least ek baar use hona chahiye
- Affordable banking facilities
- Deposit par interest
- Direct Benefit Transfer, Pradhan Mantri Jeevan Jyoti Bima Yojana, Pradhan Mantri Suraksha Bima Yojana, Atal Pension Yojana, Micro Units Development & Refinance Agency Bank (MUDRA) scheme ke liye eligibility
(Source: pmjdy.gov.in)
Is scheme ke liye kaun kaun eligible hai?
Agar aap ek Indian citizen hain, aapu age minimum 10 years hai, aur aapke paas bank account nahi hai, to aap ek Pradhan Mantri Jan Dhan Yojana ya PMJDY account khol sakte hain.
