Registering for the Pradhan Mantri Jan Dhan Yojana (PMJDY) in 2026 remains a straightforward process designed to be accessible to everyone. While the “registration” is essentially opening a bank account, it follows a specific set of rules.
Ways to Register for PMJDY
As of 2026, you can register through three main channels:
1. Offline Registration (Most Common)
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Visit a Bank: Go to any Public Sector Bank (like SBI, PNB, BOB) or authorized Private Sector Bank.
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Bank Mitra (Business Correspondent): In rural areas, you can register with a Bank Mitra. They use handheld devices to open accounts right in your village.
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Fill the Form: Ask for the “PMJDY Account Opening Form.” You can also download it in English or Hindi from the official PMJDY Portal.
2. Online Initiation
While most banks require a physical visit for final KYC (Know Your Customer) verification, you can start the process online:
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Bank Website: Visit the official website of your preferred bank.
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Application Link: Look for “PMJDY” or “Jan Dhan Account” under the ‘Accounts’ section.
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Submit Details: Fill in your name, mobile number, and Aadhaar. After submission, a bank representative will contact you, or you will receive a reference number to take to the branch.
3. Mobile App (UMANG)
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You can use the UMANG App to find information about PMJDY and locate the nearest bank branch or Bank Mitra to complete your registration.
Registration Checklist
| Step | Action Required |
| Document | Keep your Aadhaar Card ready. It acts as both identity and address proof. |
| Photograph | Carry two recent passport-size photographs. |
| Mobile | Use a mobile number that is linked to your Aadhaar for easier OTP verification. |
| Declaration | You must declare that you do not have any other bank account. |
What Happens After Registration?
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Account Activation: Your zero-balance account is usually opened within 1–3 working days.
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RuPay Card: You will receive a free RuPay Debit Card by post or at the branch.
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Insurance: Your inbuilt ₹2 Lakh Accident Insurance becomes active.
- DBT Linking: Your account is automatically prepared to receive government subsidies (Gas, Ration, etc.) directly.