Financial Inclusion For All

Pradhan Mantri
Jan Dhan Yojana

Ensuring access to essential financial services—Banking, Remittance, Credit, Insurance, and Pension—in an affordable manner for every household.

Explore Benefits

Key Features & Benefits

Access comprehensive banking solutions designed to secure your financial future, with zero conditions attached.

Zero Minimum Balance

Open a Basic Savings Bank Deposit (BSBD) account without the burden of maintaining any minimum balance.

Rupee

₹10,000 Overdraft Facility

Eligible accounts can access an overdraft up to ₹10,000 (condition-free up to ₹2,000) after 6 months of active operation.

₹2 Lakh Accident Insurance

Receive a free RuPay debit card packed with an inbuilt accidental insurance cover of ₹2 Lakh at no extra premium.

Frequently Asked Questions

There is absolutely no minimum balance requirement for a Pradhan Mantri Jan Dhan Yojana (PMJDY) account. It is designed as a Basic Savings Bank Deposit (BSBD) account.
An overdraft facility of up to ₹10,000 is available to one account per household (preferably the primary female member) after 6 months of satisfactory account operation. Up to ₹2,000 is available without any strict conditions. The upper age limit for this facility is 65 years.
All PMJDY account holders get a free RuPay debit card. For accounts opened after August 28, 2018, the inbuilt accidental insurance cover is ₹2 Lakh (₹1 Lakh for accounts opened prior). To claim the insurance, the RuPay card must have been used for a successful financial or non-financial transaction at least once in the 90 days preceding the accident.
Yes, PMJDY accounts are fully integrated with the Direct Benefit Transfer (DBT) scheme. You can seamlessly receive subsidies, pensions, COVID relief funds, and MNREGA wages directly into your account.

Open your PMJDY account today

Bring your valid KYC documents to your nearest Meghalaya Rural Bank branch or speak with a Bank Mitra (Business Correspondent).

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