How to Withdraw 10,000 Rupees From Empty Balance Account – Jan Dhan Yojana Scheme
Even if there is no money in the account, you can withdraw up to Rs. 10,000 (overdraft)
What is Jan Dhan Yojana Scheme?
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is national mission for financial inclusion to make certain get entry to to financial services, particularly, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an low-cost manner. Account can be opened in any Bank branch or Business correspondent (Bank Mitr) outlet.
-> Pradhan Mantri Jan Dhan Yojana Account
-> started out : 2014 august 15
-> Banking, Investing, Credit, Insurance, Pension etc. are included
-> To date there are greater than 46 crore Account, out of which more than 55% accounts belong to women.
-> Those who’ve completed 6 months of account beginning can withdraw Rs 10000.
-> Those who’ve not completed 6 months can withdraw rs.2000.
-> Overdraft which became previously 60 years antique has now been increased to 65 years old.
-> Holders of this one account will get 2 lakh rupees twist of fate insurance totally free.
-> Zero Balance account
-> Age Limit 10
-> Application Should be made in Nationalized Bank
-> Interest is 12% above
-> account can be opened by way of presenting id card and letter attested with the aid of Gazetted officer.
-> Place where government benefits arrive first.=
Scheme Information
Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for financial inclusion to make sure get admission to to financial service, namely, a simple savings & deposit accounts, remittance, credit , insurance, pension in an affordable manner. Below the scheme, a simple savings bank deposit (BSBD) account can be opened in any bank Branch of Business correspondent
(Bank Mitra) outlet, with the aid of people now not having some other account.
Benefits Under PMJDY
- one basic financial savings bank account is opened for unbanked person.
- There is no requirement to preserve any minimum balance in PMJDY account.
- Interest is earned on the deposit in PMJDY accounts.
- Rupay Debit card is supplied to PMJDY account holder.
- Accident Insurance cover of rs.1 lakh (superior to Rs. 2 lakh to new PMJDY accounts opened after 28.8.2018) is available with f) Rupay card issued to the PMJDY account holders.
- An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available.
- PMJDY accounts are eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti Bima yojana (PMJJBY), Pradhan Mantri Suraksha Bima yojana (PMSBY), Atal pension yojana (APY), micro gadgets development & refinance employer bank (MUDRA) scheme.
Who’s Eligible for Jan Dhan Yojana Scheme
Persons whose income is taxable Under I.T. Act 1961 or are filing the yearly income tax go back or in whose case TSD is being deducted from the income, and their families. Iv. Persons who’re blanketed in the Aam Aadmi Bima Yojana protecting 48 occupations described under the scheme, and their families.
How Can I Earn Money From PMJDY
An account holder can withdraw fund with the aid of the use of a Rupay debit card. It’s miles a sort of debit card that permits you withdraw budget out of your financial institution account as and when you need it. You can open a bank account beneath PMJDY with zero balance. You do not have to preserve any minimum balance for your bank account.
Is Government Giving Money to Jan Dhan Account?
In the country, over over 47 crore debts had been opened through the Pradhan Mantri Jan Dhan yojana, but many millions of individuals are unaware of the tasks that are available on these account. The government is giving holders of Jan Dhan accounts 10,000 rupees, but you have to apply for your branch.
