PMJDY — basic banking access information
Pradhan Mantri Jan-Dhan Yojana supports basic banking access for unbanked adults. The official overview explains the basic savings account, RuPay card, banking correspondent access and conditional overdraft facility. Use the bank’s official opening process and understand which facilities are actually activated. An account does not create automatic eligibility for every government benefit.
- Authority
- Department of Financial Services, Ministry of Finance
- Coverage
- All India
- Current status
- Official reference portal. Check the authority for availability and conditions.
What this service provides
- Basic-account information
- Bank Mitra access guidance
- Conditional overdraft information
- Financial-literacy information
Basic savings account without minimum-balance requirement, with associated facilities subject to their own terms. An overdraft is repayable credit.
Who can use this service
Targeted at unbanked adults; identity checks and specific facilities are subject to bank and scheme conditions.
Documents and information
The official portal specifies the documents or inputs for the selected service. No universal document checklist has been verified for this directory entry.
Official fees / charges
Official fee, if any, is shown by the responsible portal for the selected service. Private assistance is separate.
How to use the portal
- Read the basic-account features.
- Contact a participating bank or Bank Mitra for account-opening requirements.
- Confirm activated facilities and applicable account conditions.
Before you begin
Public official information was readable. Individual applications require the responsible authority or lender to assess the case.
Source and verification notes
Directory information checked on 8 October 2026. Verification method: direct-page. Public official information was readable. Individual applications require the responsible authority or lender to assess the case. Official evidence: https://financialservices.gov.in/pradhan-mantri-jan-dhan-yojana-pmjdy
Important links
A reference to a loan or business programme is not an approval or a promise of finance. Read the lender’s eligibility, interest, fees and repayment terms. The lender decides sanction and disbursement.
Need help with this service?
Private assistance starts from ₹200.00. Official fees are extra where applicable. We confirm the scope and final charge first.
Keep OTPs, passwords and PINs private. Some steps require your own authentication, a centre visit or an authority’s decision.