PM Jan Dhan Yojana is one of the most ambitious schemes of the Narendra Modi government. Apart from Financial Inclusion this scheme of Central Government has many benefits.
But, in most cases the holders are hardly aware that their PM Jan Dhan Account gets an overdraft facility of Rs 5000 (overdraft facility on PMJDY). The condition for this is that PMJDY should also be a number from the Aadhaar card.
Experts say that if a PM Jan Dhan account is not numbered with the Aadhaar card, then the benefit of overdraft facility will not be available on that credit. Under the overdraft facility, you can withdraw money from the bank credit to the hoster even when there is no money in his account.
There is an overdraft facility available on meeting this condition
An expert with knowledge about this says that in order to take advantage of the overdraft facility, the new hoster has to maintain it for the first 6 months. For this, they have to keep sufficient funds of their own and during this time they should also deal with this benefit from time to time. Such holders are issued Rupebit cards, which can be used for these transactions easily.
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If the concerned bank finds this loan fit, then you get an overdraft facility of up to Rs 5,000 to the hotter. For this, it is necessary to list them with Aadhar card. However, in some cases this facility of overdraft is available on payment of a partial interest.
The facility of accelerated insurance is also
In such a situation, if PM Jan Dhan accounts are not listed from Aadhaar, then they will not get the benefit of this facility. Let us know that by making a card on RuPay Debit Card issued under PM Jan Dhan accounts, you also get 1 lakh rupees of excel insurance (accident insurance on RuPay debit card). Also, there is no need to worry about ending the minimum amount in this account. However, if this account is not numbered with the Aadhaar card, the nominee will not get the benefit of the above accidental insurance.
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Get this benefit of 1.30 lakh rupees
In addition to accelerated insurance, Rupebit card provides an insurance cover of Rs 30,000 in case of death of an accident due to an accident. In this way, you can get a total benefit of Rs 1.30 lakh on the death of a Hotar due to a person's Newton.
Let's know how and where to open Jan Dhan account (How to open Jan Dhan bank account)
The PM Jan-Dhan Yojana (PMJDY) has been launched to connect every citizen of the country to the banking system. Its purpose is to bring those people who are still out of it. You can open a Jan Dhan account by reaching any bank branch. Apart from this, you also have the option to open this food through friends of the bank. In this, you are not conditioned to maintain any minimum balance.
What documents are needed
For opening Jan-Dhan account, you can also submit documents fulfilling the requirement of Know Your Customer (KYC) including Aadhaar card, pass, driving license. If you do not have documents, you can open a small bank. In this, you have to give your sign-fill in front of self-attested photographer and bank superintendent.
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