PRADHAN MANTRI JAN DHAN YOJANA SAVINGS BANK ACCOUNT
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know more about our pradhan mantri jan dhan
yojana savings bank account
Learn more about the exclusive Pradhan Mantri Jan-Dhan Yojana
Savings Deposit Bank Account Scheme.
The National Mission of Financial Inclusion named as the Pradhan
Mantri Jan Dhan Yojana seeks to integrate the poorest of the poor with bank
accounts.
Salient Features of
the Scheme:
·
All households across
the country - both rural and urban are to be covered under the scheme. Bank
accounts will be opened for 6 crore account in villages and 1.5 crores in urban
areas.
·
All bank accounts
opened under the scheme are to have an overdraft facility
ofRs. 5,000.00 for Aadhar-linked accounts after satisfactory
operation in the account for 6 months.
·
Issuance of RuPay
Debit Card with inbuilt Rs. 1 lakh personal accident insurance
cover provided by HDFC Ergo and a life cover
of Rs. 30,000/- provided by LIC.
Salient Features:
Purpose
Provision of
affordable financial services of the excluded sections. Identification of
household without any bank account and providing Basic Banking Accounts with
Overdraft facility and RuPay Debit Card with inbuilt accident insurance cover
of Rs. 1 lakh to them.
Eligibility
Resident Individual.
Age of the account holder should be over 18 years. There is no stipulation on
the Income of the person.
Type of Account
Single-Domestic
Savings Bank Accounts only.
Documents for Opening Account
·
If one has an Aadhaar
Card / Aadhaar Number - No other Document required. If address has changed,
then a self certification current address is required.
·
If one does not have
an Aadhaar Card, then any one of these: Voter ID Card, Ration Card, Driving
License, Letter from a recognized Public Authority or Public Servant or
Sarpanch.
·
If one does not have
both 1 and 2, any one of these as identity proof: Identity Card of any
Accredited Institution, Job Card issued by NREGA and any one of these as
address proof: Electricity or Telephone Bill, Birth or Marriage Certificate.
Minimum / Maximum Balance
No stipulation /
Limit.
Free Credits allowed into the account
Deposit of cash at
bank branch and Receipt / credit through all electronic payment channels or by
means of deposit / collection of cheques drawn by Central / State Government
agencies and departments.
Number of free withdrawals allowed
4 withdrawals are free
in a month. (Through all channels including ATM, internal transfers, RTGS /
NEFT / Standing Instructions / EMI etc). Balance inquiry at ATM is not reckoned
for the purpose of determining the number of
withdrawals. Rs. 10.00 per withdrawal will be levied for
withdrawals exceeding 4 per month.
RuPay ATM-cum-debit Card Fresh / Renewal
Allowed free of charge
& No Annual / Renewal Fees.
Mobile Banking & SMS alert
Allowed.
Cash Remittance at Parent branch and at Satellite Branches
No Limit.
Cash Withdrawals Amount
Any amount but
restricted to Parent Branch Only.
Restrictions on number of savings bank accounts
An Individual can hold
only one Savings Bank Account and he / she is not allowed to
have any other type of SB account.
Other Products / Services / Deposits
Account Holder can
have any number of Term / Fixed Deposit, RD etc. accounts.
Special Benefits
·
Withdrawal of money
from any ATM with a RuPay debit card.
·
Accidental insurance
cover of Rs. 1 lakh.
·
No minimum balance
required.
Additional Benefits
·
Easy transfer of money
across India.
·
Beneficiaries of
government schemes will get Direct Benefit Transfer.
·
After satisfactory
operation of the account for 6 months, an overdraft facility will be permitted.
About OD Facility
After 6 months of
satisfactory performance on the account, the Bank may optionally consider
providing an Overdraft facility starting from Rs. 1,000.00. On
regular servicing of the overdraft interest the amount of overdraft may be increased
up to Rs. 5,000.00.
Other Services and Charges not defined
As applicable for
ordinary Saving Accounts.
PMJDY - LIC cover of Rs. 30,000.00
http://www.tmb.in/savings_pmjdy/know_more_about_our_pradhan_mantri_jan_dhan_yojana_savings_bank_account.html
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