So far, more than 41 crore people have Jandhan accounts under the Pradhan Mantri Jan Dhan Yojana. The total number of Jandhan accounts under this scheme has reached 41.6 crore by January 6, 2021. This information has been tweeted by the Ministry of Finance. The number of accounts with zero balance has come down from 58% in March 2015 to 7.5%. So far 41.65 crore beneficiaries have deposited money in the bank. Rs. 137,195.93 crore.
As such, free mobile banking facility is provided on the account with interest on the deposit. In Jandhan you can withdraw your maximum of 10,000 by overdraft. Accident insurance cover up to Rs 2 lakh is also available. Life cover up to Rs. 30,000, which is available on death of the beneficiary on fulfillment of suitable conditions. Debit card is issued to the Jan Dhan account holder. This account makes it easy to purchase insurance and pension products. If there is a Jan Dhan account, then an account will be opened for pension in schemes like PM Kisan and Shramyogi Mandhan. As well as the benefits of government schemes money goes directly into the account.
According to the guidelines of the Reserve Bank of India, even if a citizen does not have any official documents including PAN, Aadhaar, Water ID, he can open a Jan Dhan account. To open an account, you must first go to the nearest bank branch. You will have to provide a self attested photograph in the presence of the bank officer. These photos must also have a signature or thumbprint. The bank officer will then open his account. In order to continue the account, any valid document has to be prepared and deposited in the bank till the completion of 12 months from the date of opening the account. After which the account will continue.