🏦 Pradhan Mantri Jan Dhan Yojana 2025: Latest Updates, Eligibility, Benefits & How to Apply

🔔 Latest Updates on PM Jan Dhan Yojana 2025

The government of India has intensified its efforts under the Pradhan Mantri Jan Dhan Yojana (PMJDY) to expand financial inclusion across the country. Starting July 1 to September 30, 2025, special Financial Inclusion Campaigns are being launched in states like Uttar Pradesh and Andhra Pradesh. These drives aim to:

• Ensure every household has at least one Jan Dhan account

• Link accounts with Aadhaar, mobile number, and RuPay card

• Provide access to government schemes like PMJJBY, PMSBY, and APY

• Educate citizens about safe digital payments and UPI use

This campaign is expected to cover thousands of Gram Panchayats with the help of Bank Mitras and local bank branches.

---

📋 What is PMJDY?

Pradhan Mantri Jan Dhan Yojana is a flagship scheme launched by Prime Minister Narendra Modi on 28 August 2014. It aims to provide universal access to banking facilities for every unbanked citizen in India.

---

✅ Eligibility for PM Jan Dhan Yojana 2025

To open a Jan Dhan account, the applicant must meet the following criteria:

• Must be an Indian citizen

• Age should be 10 years or above

• Must not have any other bank account (for full benefits)

• Can apply with basic documents like:

  • Aadhaar Card

  • Voter ID

  • Driving License

  • PAN Card

  • Passport

  • NREGA Job Card

💡 Note: If you do not have official documents, you can still open a ‘Small Account’ with just a self-attested photograph and signature.

---

🌟 Key Benefits of Jan Dhan Account

Feature	Details
Zero Balance Account	No minimum balance required
RuPay Debit Card	Free debit card with accident insurance
Accident Insurance Cover	₹1 lakh (₹2 lakh for accounts opened after 28 Aug 2018)
Overdraft Facility	Up to ₹10,000 after 6 months of satisfactory operation
Direct Benefit Transfers (DBT)	Receive government subsidies directly
Pension & Insurance Access	Eligible for schemes like PMJJBY, PMSBY, and APY
Mobile & UPI Banking	Easy access to digital payments and banking

---

📝 How to Apply for PMJDY Account – Step-by-Step Guide

Step 1: Visit a Nearby Bank

Go to any public or private bank branch or visit a Bank Mitra center.

Step 2: Fill the PMJDY Form

Collect the Jan Dhan Yojana Account Opening Form or download it from the official website.

Step 3: Submit Required Documents

Attach the required identity and address proof. Aadhaar is preferred for faster processing.

Step 4: Get RuPay Card & Account Details

Once approved, you'll receive a RuPay debit card, passbook, and other details.

Step 5: Activate & Use Your Account

To avail benefits like insurance and overdraft, make regular transactions and keep your account active.

---

📊 PMJDY 2025: Key Statistics (As of July 2025)

• Total Beneficiaries: 55.7 crore

• Total Deposits: ₹2.6 lakh crore

• Total Bank Mitras: 13.5 lakh

• Rural Accounts: Over 67% of total accounts

(Source: pmjdy.gov.in)

---

📌 Why PMJDY Matters in 2025

With growing digital banking and UPI use, the Jan Dhan Yojana continues to empower citizens by:

• Reducing financial inequality

• Enabling safe cashless transactions

• Providing social security through linked schemes

---

🔎 Frequently Asked Questions (FAQs)

🔹 Is Jan Dhan account free?

Yes, there is no cost to open a Jan Dhan account. It's a zero-balance savings account.

🔹 Can I open two Jan Dhan accounts?

No, only one Jan Dhan account is allowed per individual.

🔹 What happens if I don’t use the account?

Accounts with no transactions for more than 6 months may become inactive and lose benefits like overdraft and insurance.

---

🗣 Final Words

The Pradhan Mantri Jan Dhan Yojana 2025 is a gateway to financial independence for millions of Indians. If you or your family members haven’t yet opened a Jan Dhan account, this is the right time—especially during the ongoing government outreach campaigns.

💬 Don’t wait—visit your nearest bank today and open your PMJDY account!

---