Banks provide these facilities for free if there is zero balance, now the government will transfer Rs 1500!

New Delhi. Generally, in Savings Bank Account, the account holder has to pay a penalty for not maintaining the average minimum balance every month. Banks do not impose this requirement for salary account. But, along with this, there are also some accounts where it is not mandatory to maintain minimum balance. Pradhan Mantri Jan Dhan Yojana (PMJDY – Pradhanmantri Jan Dhan Yojna) is also one of such accounts.

Apart from this, many other facilities are also available in Jan Dhan Yojana account. Let us tell you that the Central Government opens zero balance savings account under Pradhan Mantri Jan Dhan Yojana (PMJDY). Many other benefits are also available in this including accident insurance, overdraft facility, check book. Now the government will transfer Rs 500 to the account for the next three months. Among the bank accounts opened under Jan-Dhan scheme, 53% of the accounts are of women, while 59% of the bank accounts have been opened in rural and town areas.

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How and who will get Rs 500 for three months? To overcome the problems being faced by the common people due to the nationwide lockdown due to Corona Virus, Finance Minister Nirmala Sitharaman last week launched Jan Dhan accounts for women. Dhan Account) for three months. About 20 crore women will get direct benefit from this.

You will get Rs 1500 for free for 3 months

Let us know how and where Jan Dhan account will be opened (How to open Jan Dhan Bank Account)

Pradhan Mantri Jan-Dhan Yojana (PMJDY) has been started to connect every citizen of the country with the banking system. Its purpose is to bring those people into the banking system, who are currently outside it. You can open a Jan-Dhan account by reaching any bank branch. Apart from this, you also have the option to open this account through Bank Mitras. In this, there is no condition for you to maintain any kind of minimum balance.

Which documents are required

To open a Jan Dhan account, you can also submit documents fulfilling the Know Your Customer (KYC) requirements including Aadhar Card, Passport, Driving License. If you do not have documents, you can open a small account. In this you have to fill the self-attested photograph and your signature in front of the bank officer.

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You do not have to pay any kind of fee or charge for opening a Jan Dhan account. You can open this account without any charge by visiting any branch. Any person of 10 years of age or above can open this account.

Can you open a joint account?
Yes. You can open a joint account.

What facilities are available?
Along with overdraft facility, Rupay debit card is also provided in this account. Free Accident Insurance of Rs 1 lakh is available on this debit card. Let us tell you that Jan Dhan account holders have to keep one more thing in mind that if they want to avail the facility of check book on their account, then for this it will be mandatory for them to keep some amount in their account.

(1) Facility to transfer money all over India

(2) Fund transfer directly to Jan Dhan accounts under Direct Benefit Transfer to beneficiaries of government schemes.

(3) Overdraft facility is available after satisfactory operation of accounts for six months.

(4) Overdraft facility of up to Rs 10,000 will be available in only one account per family, especially for the women of the family.

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What are the conditions of overdraft facility?
To be eligible for overdraft facility, Jan Dhan account holders are required to maintain sufficient balance for the first 6 months. Along with this, it is also necessary for them to do regular transactions with their RuPay Debit Card.

Overdraft facility of Rs 5,000 will be available
After this, if the bank in which this account has been opened, considers it eligible, it provides an overdraft facility of Rs 5,000 to the account holder. A condition for this is that this Jan Dhan account should be linked to Aadhaar. You can avail this overdraft facility after paying a nominal interest.

Benefit of government subsidy in Jan Dhan account also
If the account holder clears the old balance on time, then he will continue to get the facility to take loan in future also. Let us tell you that Aadhaar linked Jan Dhan account holders can get direct benefits under the government subsidy scheme. Under this, any government subsidy money will come directly into their account.

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These account holders will be eligible for life insurance
Along with this, if anyone has opened a Jan Dhan account between 15th August 2014 to 26th January 2015, then they will also get the benefit of life insurance cover of Rs 30 thousand. They will get this facility only when they are eligible for it.

Tags: bank, Bank branches, Banking services, business news in hindi, Corona, corona virus, Coronavirus, Coronavirus in India, Jan dhan

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