12 Years of Jan Dhan Yojana: It has been 12 years since the launch of the Jan Dhan Yojana by the Modi government. Over these 12 years, the scheme has empowered approximately 32 crore women.
12 Years of Jan Dhan Yojana: The 'Jan Dhan Yojana,' launched by the Central Government, has completed 12 years. Millions of people have opened accounts under this scheme, with women making up a significant portion of this number. According to government data, more than 32 crore women have become financially empowered through this scheme.
A Scheme Empowering Women
Although the Jan Dhan Yojana was launched for the benefit of all citizens, it has particularly strengthened the women of the country. For many women, financial empowerment was once merely a dream. Now, having opened accounts under this scheme, these women have direct control over their own money—a crucial step forward for every woman.
How to Open an Account?
Have you ever availed the benefits of this scheme? If not, you should certainly open an account under it. It is not too late; you can still open an account. Here is how:
You can open an account under this scheme at any government or private bank.
You will need an identity proof and an address proof for this; documents such as an Aadhaar card, Voter ID, PAN card, or driving license are required.
If you do not possess these documents, you can open a 'Small Account' (Small Deposit Account) in accordance with bank regulations.
In the absence of standard documents, you must submit a letter issued by a gazetted officer, accompanied by a duly attested photograph.
Benefits of the Scheme
If you open an account under this scheme, you will receive the following benefits:
Interest on the deposited amount.
Accidental insurance cover of up to ₹1 lakh.
No requirement to maintain a minimum balance. Beneficiaries can avail of life insurance coverage of up to ₹30,000 upon death, starting from a zero-balance account.
Beneficiaries of government schemes will derive benefits from these accounts.
An overdraft facility will be available after six months of satisfactory account operation.
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