Jan Dhan account can be opened without Aadhaar and PAN, more than 41 crore people are taking advantage
Under the Pradhan Mantri Jan Dhan Yojana (PMJDY), more than 41 crore people have Jan Dhan accounts so far. The total number of Jan Dhan accounts under this scheme increased to 41.6 crores by 6 January 2021. This information has been given by the Finance Ministry by tweeting. At the same time, the number of accounts with zero balance fell from 58 percent in March 2015 to at least 7.5 percent. ‘Till date, 41.65 crore beneficiaries have deposited funds in banks. 137,195.93 crore is deposited in the beneficiaries account
Jan Dhan account is one, many benefits
Well there are many benefits of Jan Dhan account. For example, the facility of free mobile banking on the account along with interest on deposit is also provided. With Jandhan you can withdraw up to your additional Rs 10,000 through overdrawers. There is a contingency insurance cover of up to Rs 2 lakh. Life cover up to Rs 30,000, which is on completion of qualifications on death of the beneficiary. RuPaybit card is given to Jan Dhan account holders. It is easy to buy insurance, pension products through this account. If there is a Jan Dhan account, then accounts will be opened for pension in schemes like PM Kisan and Shramayogi Maandhan. At the same time, the money of the benefits of government schemes comes directly into the account.
How to open an account without PAN and Aadhaar
According to the guidelines of the Reserve Bank of India, a citizen can open a Jan Dhan account even if there is no official document including PAN, Aadhaar, voter card. To open an account, he must first visit the branch of a nearby bank. In the presence of a bank officer, one has to give his self attested photograph. This photo should have his sign or thumb. After this, the bank officer opens his account. After this, any valid document has to be made and deposited in the bank till the completion of 12 months from the date of opening of the account to continue the account, after which this account continues.
These are valid documents
Voter card, driving license, pass, PAN card, Aadhaar card, Isu job card by NREGA, letter from any government authority, with name and address written on it.
A document issued by the Central Government, a letter issued by a gadget officer.
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Please tell that in 2014, in his Independence Day address, Prime Minister Narendra Modi had announced the launch of Jan Dhan Yojana. The scheme was launched on 28 August 2014 and the government launched the second version of the scheme in 2018 with more features and problems. In the second version of the scheme, the Modi government decided to target every person in place of each family, who were still deprived of retail facilities. Apart from this, the cover of free accident insurance for Rupees card holders on open Jan Dhan accounts after August 28, 2018 was doubled to Rs 2 lakh.