Pradhan Mantri Jan Dhan Yojana Get 10,000 Rupees Overdraft Facility On Pm Jan Dhan Account

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Pradhan Mantri Jan Dhan Yojana Get 10,000 Rupees Overdraft Facility On Pm Jan Dhan Account

PM Jan Dhan Account Facility: Do you know that even if you do not have a rupee in the account, you can withdraw up to Rs 10,000 from it. The Central Government had started the Pradhan Mantri Jan Dhan Yojana in the year 2014. Through this scheme, the government wanted to provide bank facilities to the citizens of the country. Customers can open this account on zero balance. On opening this account, you get many facilities. It also includes overdraft facility up to Rs 10,000. Let us know what facilities are available to the account holders in the Pradhan Mantri Jan Dhan Yojana-

What is overdraft facility?
Let us tell you that even if there is no balance in the bank account, you can withdraw up to Rs 10,000 from Jan Dhan account. Any account holder can use the overdraft facility, but for this, you will have to talk to your bank manager. If the bank gives you permission, then you can easily do this withdrawal. You will have to pay interest on a daily basis on the overdraft facility. It is worth noting that overdraft facility is also a type of loan. Earlier, PM used to give overdraft facility of Rs 5,000 in Jan Dhan account. Now it has been increased to Rs 10,000.

Who gets overdraft facility?
Let us tell you that to get the facility of overdraft of Rs 10,000, your Jan Dhan account should be at least 6 months old. If your account is not 6 months old, then in such case you will get overdraft facility up to Rs.2,000 only.

These facilities are available in Jan Dhan account

  1. A bank account can be opened for a child above 10 years of age.
  2. Every person gets Rupay Debit Card.
  3. An insurance cover of Rs 2 lakh is available on the ATM card. Along with this, a life insurance cover of Rs 30,000 is available.
  4. Overdraft facility of Rs 10,000 is available.
  5. You get the facility of zero balance account.

These things are needed to open an account-

  • Aadhar Card
  • PAN Card
  • Driving License
  • One Passport Size Photo

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