Opening a Jan Dhan account is designed to be hassle-free. You can apply through any Public Sector Bank, selected Private Banks, or via a Bank Mitra (Business Correspondent).

Step 1: Choose Your Method

Step 2: Fill the Application Form

You will need to fill out a simple Account Opening Form (AOF).

Step 3: Verification

Submit the form along with a copy of your Aadhaar Card (or other valid ID). The bank official will verify your documents. If you have no documents, you can request a “Small Account” by providing a photograph and a thumbprint/signature.

Step 4: Activation

Once approved, you will receive your Passbook and RuPay Debit Card. Ensure you perform at least one transaction every 90 days to keep your ₹2 Lakh Accident Insurance active.

PMJDY vs. Regular Savings Account

Many people ask why they should choose a Jan Dhan account over a regular one. Here is a quick comparison:

Feature PMJDY Account Regular Savings Account
Minimum Balance ₹0 (Zero Balance) Usually ₹1,000 to ₹10,000
Accident Insurance ₹2 Lakh (Free) Usually not included for free
Overdraft Facility Up to ₹10,000 Generally not available
Debit Card Free RuPay Card Annual charges may apply
Checkbook Available (charges may apply) Usually available (free or paid)
Withdrawal Limit Max 4 withdrawals per month Often unlimited at home branch
Goal Social Security & Subsidies Personal Savings & Transactions

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