Pradhan Mantri Jan Dhan Yojana (PMJDY)

Ministry / Dept Ministry of Finance

Official Launch Date 28 August 2014

Last Verified (IST) 15 Jan 2026

Universal access to banking facilities with at least one basic banking account for every household, financial literacy, and credit guarantee.

Zero balance account, free RuPay debit card, ₹2 lakh accident insurance cover, overdraft facility up to ₹10,000.

Any Indian citizen above 10 years of age without a bank account.

Can be opened at any bank branch or Bank Mitra outlet with simple KYC documents.

Aadhaar card, PAN card, or voter ID card.

Over 53+ crore bank accounts opened with deposits exceeding ₹2.3 lakh crore as of 2024-2026.

Latest Verified Update: Universal coverage achieved across all unbanked villages.

1 NATION 1 RUPEE