PM Jan Dhan Yojana 2025 – Account holder will get Rs 10,000 How can I withdraw 10000 from Jan Dhan account Ever felt left out because you don’t have a bank account? Maybe you’ve missed out on government benefits, struggled to save money safely, or just felt stuck without access to basic banking. You’re not alone millions of Indians faced the same struggle. But here’s the good news: PM Jan Dhan Yojana 2025 is changing that.
This life-changing scheme ensures every Indian has a bank account—with zero balance required. And now, it’s even better! The government is offering up to ₹10,000 in overdraft to eligible account holders. No collateral, no lengthy paperwork—just financial support when you need it most.
What Is PM Jan Dhan Yojana?
Launched in 2014, PM Jan Dhan Yojana (PMJDY) was designed to bring banking to every Indian, especially those in rural and underserved areas. The goal? No citizen left without a bank account.
Who Can Open a Jan Dhan Account?
Wondering if you qualify? The eligibility rules are simple:
- Indian citizen
- Age 10+ (minors need a joint account with a guardian)
- No income proof required (even if you’re unemployed)
- No existing bank account needed
Big Update: ₹10,000 Overdraft Facility!
Here’s the latest benefit under PMJDY 2025:
- Eligible account holders can now get an overdraft of up to ₹10,000.
- No collateral or credit history needed.
- Even inactive accounts (with zero balance) qualify!
This means if you’re in a financial crunch, you can withdraw extra funds (up to ₹10,000) even if your balance is zero. Think of it as a small safety net when you need it most.
How to Apply for PM Jan Dhan Yojana 2025
Ready to open your account? Here’s how:
- Step 1: Visit Your Nearest Bank
Any public or private bank participating in PMJDY can help. - Ask for the Jan Dhan Yojana application form.
- Step 2: Fill the Form & Submit Documents
Provide basic details (Aadhaar, PAN, or voter ID if available). - No documents? No problem! You can still open an account.
- Step 3: Get Your Account Activated
Once verified, your zero-balance account is ready!
You’ll receive a RuPay debit card within days.
FAQs – Your Questions Answered
Can I open a Jan Dhan account online?
Currently, you need to visit a bank branch. But the process is quick!
Is there any charge for opening the account?
No! It’s completely free—no minimum balance needed.
How do I check if I’m eligible for the ₹10,000 overdraft?
Check with your bank. Most Jan Dhan accounts opened before 2025 qualify.
Can I get a loan with this PMJDY account?
Yes! The overdraft facility acts like a small loan (repayable later).