Ladakh - Apply for Pradhan Mantri Jan-Dhan Yojana(PMJDY)

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Procedure

Apply In-Person

1. To Apply for Pradhan Mantri Jan-Dhan Yojana(PMJDY), the applicant has to approach their respective local bank officer.
2. An application form will be provided to the applicant by the bank officer or it can be downloaded from the given following link link
3. The applicant has to fill in all the necessary details in the application form. (Incomplete applications are not accepted)
4. Make sure that the applicant has attached all the necessary documents that are mentioned in the “Required Documents” section of this page.
5. The applicant has to attach the photocopies of the required documents along with the application form while submitting.
6. One of the key features of PMJDY is that there is no requirement for a minimum balance in the account.
7. Submit all the documents with the completed form to the concerned officer.
8. After receiving the application, the concerned authority will check the submitted application and document set. If all are in place, the application will be accepted.
9. An acknowledgment receipt will be provided. Please save it for future reference.
10. And the bank will open a basic savings bank deposit account (BSBDA) for the applicant.
11. There are no application fees for the scheme.
12. Then the application will be processed further. All the updates on the application status will be sent via SMS to the applicant’s mobile number.
13. The applicant has to visit the bank to collect the PMJDY passbook/check book/Rupay debit card.
14. This entire process can be completed in 15-30 days or as per the timeline advised by the respective bank.

NOTE:

1. Once the account has been opened, after 6 months the applicant can take a loan of Rs 5000 from the bank account.

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Required Documents

• Passport size photograph
• Application form - link
• Permanent Account Number (PAN) Card
• Aadhaar card
• The National Rural Employment Guarantee Act issued job cards. (if available )
• Driving license
• Voter ID
• Identity card with a photo that has been issued by the central or state government
• Any other documents as requested by the bank.

Office Locations & Contacts

Pradhan Mantri Jan Dhan Yojana,


Department of Financial Services,
Ministry of Finance,
Room No. 106, 2nd Floor, JeevanDeep Building
Parliament Street,
New Delhi-110001
Phone: 011-23361571 / 011-23748738
Email: [email protected]
Contact link – link
Nodal Officers of Department of Financial Services – link
State mission directors – link

Eligibility

• The applicant must be Indian citizenship and should be above 10 years of age.
• The applicant can open a PMJDY bank account even if they have another saving account, in that case, they have to change it to a PMJDY account to avail of the benefits.

Fees

• There is no fee for this scheme.

Validity

Explain the time until which the certificate/document is valid.
e.g. Birth Certificate Valid Forever

Documents to Use

• Application form - link

Sample Documents

Please attach sample completed documents that would help other people.

Processing Time

• This entire process can be completed in 15 - 30 days or as per the timeline advised by the respective bank.

Related Videos

Videos explaining the procedure or to fill the applications.
Attach videos using the following tag <&video type='website'>video ID|width|height<&/video&> from external websites.
Please remove the '&' inside the tags during implementation.
Website = allocine, blip, dailymotion, facebook, gametrailers, googlevideo, html5, metacafe, myspace, revver,
sevenload, viddler, vimeo, youku, youtube
width = 560, height = 340, Video ID = Can be obtained from the URL of webpage where the video is displayed.
e.g In the following url 'http://www.youtube.com/watch?v=Y0US7oR_t3M' Video ID is 'Y0US7oR_t3M'.

Instructions

• Applicants must complete the application form before submitting it. Incomplete applications will not be accepted.
• Applicants must provide genuine information while applying for this procedure.

Required Information

Bank details

• Branch
• Location of bank
• District /City
• State

Applicant Details

• Personal details
• Adhar card no/PAN no
• MNREGA card no (if available )
• Contact number
• Email id
• Occupation
• Details of assets
• Place
• Date
• Signature

Need for the Document

• Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, basic savings & deposit accounts, remittance, credit, insurance, and pension in an affordable manner.
• Under the scheme, a basic savings bank deposit (BSBD) account can be opened in any bank branch or Business Correspondent (Bank Mitra) outlet, by persons not having any other account.

Information which might help

Benefits of this scheme

• • One basic savings bank account is opened for an unbanked person.
  • There is no requirement to maintain any minimum balance in PMJDY accounts.
  • Interest is earned on the deposit in PMJDY accounts.
  • Rupay Debit card is provided to PMJDY account holders.
  • Accident Insurance Cover of Rs.1 lakh is available with a RuPay card issued to the PMJDY account holders.
  • Withdraw limit of Rs. 10,000

Other uses of the Document/Certificate

Please explain what are other uses of obtaining this document/certificate.
e.g. Birth Certificate can be used as proof of identity.

External Links

link

Others

• The Pradhan Mantri Jan Dhan Yojana or more popularly known as the PMJDY scheme is planning on revolutionizing the traditional banking system in India by providing banking opportunities and insurance coverage to all including the poor.