Under the Pradhan Mantri Jan Dhan Yojana, the bank accounts of the poor in post offices and nationalized banks are opened on zero balance. People whose accounts are registered under the PMJDY scheme can avail a range of benefits including an insurance cover of up to Rs 2 lakh. But you have to keep in mind that you will be eligible for these benefits only if your bank account is linked with your Aadhaar.
First, you need to make sure all your documents are in order. Documents like driving license, PAN card, Aadhar card, NREGA job card, passport, job letter issued by the authority, etc. have to be kept ready. You may also need a document issued by a gazetted officer where your self-attested photographs are attached.
Now go to any bank / post office and ask for the form. On the form, you have to fill your name, bank branch name, account number, mobile number, address, occupation/employment, nominee, annual income and number of dependents, village/town code, SSA code or ward number etc.
If you have an old bank account, you can easily convert it to Jan Dhan account. First of all, you have to apply for Rupay card. Then when you visit the bank branch and fill up a form, your bank account will be converted into PMJDY account.
Benefits of having a PMJDY account:
You get to avail overdraft facility after 6 months
You will be provided with an accident insurance cover of up to Rs. 2 lakh
Life insurance cover up to Rs. 30,000, which is available subject to fulfillment of eligibility conditions.
You will earn interest on the deposit.
You will get free mobile banking facility.
The account opener will be provided with a free RuPay debit card from which he can withdraw money.
It is easy to buy pension products through PMJDY account.
If there is a Jan Dhan account, then the account will be opened for pension in schemes like PM Kisan and Shramyogi Maandhan.
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