Pradhan Mantri Jan-Dhan Yojana (PMJDY) Scheme

If Aadhaar Card / Aadhaar Number is available, then no other documents are required. If the address has changed, then a self-certification of current address is sufficient.
If Aadhaar Card is not available, then any one of the following Officially Valid Documents (OVD) is required: Voter ID Card, Driving License, PAN Card, Passport & NREGA Card. If these documents also contain your address, it can serve both as Proof of Identity and Address.
If a person does not have any of the “Officially Valid Documents” mentioned above, but it is categorized as low risk by the banks, then he / she can open a bank account by submitting any one of the following documents:
- Identity Card with applicant’s photograph issued by Central/State Government Departments.
- Statutory/Regulatory Authorities.
- Public Sector Undertakings.
- Scheduled Commercial Banks and Public Financial Institutions.
A letter issued by a Gazetted officer, with a duly attested photograph of the person.

Interest on deposit.
Accidental insurance cover of Rs. 1 Lakh under RuPay scheme.
No minimum balance required.
The scheme provides life cover of Rs. 30,000/- payable on the death of the beneficiary, subject to fulfillment of the eligibility condition, i.e., accounts opened between 15.08.2014 - 31.01.2015.
Easy Transfer of money across India.
Beneficiaries of Government Schemes will get Direct Benefit Transfer in these accounts.
After a satisfactory operation of the account for 6 months, an overdraft facility will be permitted.
Access to Pension, insurance products.
The claim under Personal Accidental Insurance under PMJDY shall be payable if the Rupay Cardholder have performed minimum one successful financial or non-financial customer induced transaction within 90 days before the date of the accident including the accident date. The transaction can be at any Bank Branch, Bank Mitra, ATM, POS, E-COM, etc., Channel both intra and inter bank i.e., on-us (Bank Customer / Rupay card holder transacting at same Bank channels) and off-us (Bank Customer / Rupay card holder transacting at other Bank Channels). This forms the eligibility for the Rupay Insurance Program 2018-2019.
Overdraft facility up to Rs. 5,000/- is available in only one account per household, preferably lady of the household.

FAQ on PMJDY scheme