Pm Jan Dhan Yojana: Modi Sarkar Rs.10 Thousand For Jan Dhan Clients… Apply!: Modi government is bringing many schemes for people in the country. The central government is providing various ways to grow economically.
Modi government is bringing many schemes for people in the country. The central government is providing various ways to grow economically. Modi government will also introduce schemes for women to grow economically. About 47 crore people have opened accounts under Pradhan Mantri Jan Dhan Yojana across the country. But crores of people are not aware of the schemes available in this account. The government is providing Rs 10,000 to Jan Dhan account holders. You can apply for this in the bank. Apart from this, this account also has many benefits like insurance of Rs.1 lakh 30 thousand. If you also don’t know about these schemes then find out immediately and apply for 10 thousand rupees. Pradhan Mantri Jan Dhan Yojana Loan can be applied online.
Jan Dhan’s account has various benefits for the account holder. The first advantage of this is that the customer does not have to worry about maintaining a minimum balance in this account. Apart from this, they provide RuPay Debit Card. You can take an overdraft of Rs.10,000 in this account by applying to the bank. Till now this amount was Rs.5 thousand. It has been increased to Rs.10 thousand. This facility can be availed even if there is no money in the account. For this, you need to contact your bank branch. Meanwhile, this Pradhan Mantri Jandhan Yojana scheme is intended to open accounts in banks with zero balance for those belonging to the lower middle class and poor families. Account openers under this scheme will also get this overdraft facility.
What is an overdraft?
Money can be withdrawn from the bank account (savings or current) up to a specified amount even if the account holder has no balance in the account. As with other credit facilities, the customer has to pay some interest when withdrawing cash through an overdraft facility. Jan Dhan account holders can withdraw money up to Rs.10 thousand in the form of a short-term loan. Earlier this limit was Rs.5 thousand. But the government doubled this amount.
How does an overdraft facility work?
Under this scheme, the government allows customers who open accounts to borrow more money than they have in their accounts. The Center has framed some rules for availing this facility. To avail of the overdraft facility, the PMJDY account holder should have operated it for at least six months. Similarly, only one member of a particular family can avail overdraft facility. Generally, female members are eligible. Moreover, the client should have a good CIBIL score. No guarantee is required under PMJDY overdraft up to Rs.2 thousand. The government has also raised the upper age limit for overdrafts from 60 to 65 years.
The government provides many facilities to Jan Dhan customers. In this, the account holder is given accident insurance of Rs. Apart from this, life insurance of 30 thousand rupees will also be provided. If the account holder dies in an accident, the family of the account holder will be provided with insurance coverage of Rs. On the other hand, if death occurs under normal circumstances, then the insurance coverage is Rs.30,000.
How to Open Jan Dhan Account
If you also want to take advantage of these schemes, you can open an account if you have not opened any Jan Dhan account till now. For this, you need to have Aadhaar Card, PAN Card. You have to go to the bank and apply.
