PM Jan Dhan Yojana 2026: Zero Balance Account, Rs 10,000 OD, Insurance
📌Quick Facts & Summary
Key Benefit
No minimum balance.
Who Can Apply
Any Indian aged 10 or above without a bank account (minors can open with a guardian).
Status / Deadline
No issues found. Facts checked 15 Oct 2026.
Official Portal
Helpline
1800-11-0001 / 1800-180-1111
Last Verified
15 October 2026
🔗 Important Action Links (Official Portals):
What is the Scheme?
A zero-balance bank account for every adult without one, with a RuPay card, accident cover and an overdraft.
Also known as: Jan Dhan account, zero balance account
Who is it for?
Any Indian aged 10 or above without a bank account (minors can open with a guardian).
Benefits and Financial Assistance
| # | Key Benefit / Entitlement Details | Category / Mode |
|---|---|---|
| 1 | No minimum balance. | Primary Benefit (DBT/Subsidy) |
| 2 | Free RuPay debit card with Rs 2 lakh accident cover (Rs 1 lakh for accounts opened before 28 Aug 2018). | Direct Support |
| 3 | Overdraft up to Rs 10,000 after 6 months of good use (one per household, age limits apply). | Direct Support |
| 4 | Gateway for DBT, PMJJBY, PMSBY and APY. | Direct Support |
Eligibility Criteria
Applicants must meet the following eligibility conditions:
- Indian resident aged 10+; no existing basic account (as per bank).
Documents Needed
Keep the following documents ready before submitting your application:
- ✓ Aadhaar (or other officially valid document)
- ✓ Photo
- ✓ Small account possible with self-attested photo and signature in the presence of bank officer, if no documents
How to Apply Online (Step-by-Step)
- Some banks allow online / video KYC for basic savings accounts. Ask your bank.
How to Apply Offline
- Visit any bank branch or Bank Mitra (business correspondent).
- Fill the PMJDY form, give Aadhaar, get passbook and RuPay card.
How to Check Application / Payment Status
- Check balance via passbook, *99# USSD, or bank app.
Official Website and Helpline Numbers
| Official Portal | https://pmjdy.gov.in ↗ |
|---|---|
| Helpline / Contact | 1800-11-0001 / 1800-180-1111 |
| Nodal Ministry | Department of Financial Services, Ministry of Finance |
Important Dates & Milestones
59.09 crore accounts by 19 Aug 2026. Checked 15 Oct 2026.
Frequently Asked Questions (FAQs)
❓ Is a Jan Dhan account really zero balance?
Yes.
❓ How do I claim accident insurance?
The nominee applies through the bank with the death certificate and FIR/post-mortem report. The card must have been used in the 90 days before.
❓ How do I get the overdraft?
Ask your bank after 6 months of regular use.
❓ Do I need to do re-KYC?
Accounts over 10 years old need re-KYC; banks hold camps. Ask your branch.
Sources & Official References
All facts on this page were verified on 15 October 2026 from the following official government sources:
- PMJDY portal: https://pmjdy.gov.in/ [resolves (HTTP 200)] ↗
- PIB on PMJDY (Aug 2026): https://www.pib.gov.in/PressReleasePage.aspx?PRID=2303702 [resolves (HTTP 200)] ↗
- PIB factsheet, Aug 2026 (PDF): https://static.pib.gov.in/WriteReadData/specificdocs/documents/2026/aug/doc2026812951901.pdf [resolves (HTTP 206)] ↗
Fact-Check Verification: This scheme entry was reviewed and fact-checked by Abhishek (govtschemes.net) using official PIB releases, ministry guidelines, and gazette records.
If you notice any outdated rule or change, please report a correction.
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