Pradhan Mantri Jan Dhan Yojana 2025: Check New Eligibility, Required Documents & Account Opening Process

The Pradhan Mantri Jan Dhan Yojana (PMJDY) continues to be one of the most important financial inclusion schemes launched by the Government of India. In 2025, the government has updated some eligibility criteria to ensure that the benefits reach only those who truly need them. If you’re from an economically weaker background and want to open a zero-balance savings account, this guide will tell you everything you need to know.

✅ Eligibility Criteria for PM Jan Dhan Yojana (2025)

To open a Jan Dhan account, the applicant must meet the following updated conditions:

1. Minimum Age: Must be at least 10 years old.

2. Insurance Coverage Eligibility: Persons between 18 to 59 years are eligible for accidental and life insurance benefits.

3. Financial Status: Only individuals from economically weaker sections can open an account.

4. Resident Type: Available to both rural and urban residents.

5. Employment Status:

   • Government employees are not eligible.

   • Income tax payers are not eligible.

6. Account Type: Must not hold any other regular bank account for the same purpose.

📄 Required Documents for Jan Dhan Account

Keep the following documents ready for account verification and KYC:

• Aadhaar Card

• PAN Card (if available)

• Voter ID/Any Govt ID

• Driving License

• Passport-sized Photograph

• Residence Certificate

• Mobile Number

Note: Carry both photocopies and original documents for verification at the bank.

🏦 How to Apply for a Jan Dhan Account

Follow these simple steps to open your account under PMJDY:

1. Visit the nearest bank branch participating in Jan Dhan Yojana.

2. Ask for the PM Jan Dhan Account Opening Form.

3. Fill the form accurately with personal and address details.

4. Attach all required documents along with the filled form.

5. Submit the form and documents to the bank official.

6. The bank manager may verify your documents and approve your application.

Once approved, your zero balance savings account will be opened and you will receive your RuPay Debit Card.

💡 Key Benefits of PMJDY Account

• Zero balance savings account

• ₹1.30 lakh accidental insurance (with RuPay card use)

• ₹30,000 life insurance cover (subject to conditions)

• Overdraft facility after 6 months (based on transaction history)

• Easy access to subsidy schemes and DBT (Direct Benefit Transfer)

• Financial literacy and mobile banking support

📌 Conclusion

The Pradhan Mantri Jan Dhan Yojana is a great initiative for financially weaker individuals who want access to modern banking facilities without maintaining a minimum balance. If you meet the updated eligibility in 2025, visit your nearest bank today and secure your future with a PMJDY account.