Pradhan Mantri Jan Dhan Yojana (PMJDY) Bharat Sarkar ki ek vittiya samaveshan yojana (Financial Inclusion Scheme) hai, jiska uddeshya har nagrik tak banking seva pahunchana hai. Is yojana ke tahat gareeb aur madhyam varg ke logon ko bank account, insurance, overdraft aur sarkari labh ek sath uplabdh karaye ja rahe hain.
Aaiye samjhte hain Jan Dhan Yojana ke sath milne wale paise aur labh ki puri jankari —
🏦 1. Zero Balance Bank Account
Jan Dhan Yojana me khata kholne ke liye kisi bhi rakam ki zarurat nahi hoti.
Aap bina paisa jama kiye apna Zero Balance Account khol sakte hain.
Yeh account saving account ke roop me kaam karta hai aur aapko ATM card, passbook, aur online banking ki suvidha milti hai.
💳 2. RuPay Debit Card aur Accident Insurance Cover
Har Jan Dhan khata dharak ko ek RuPay debit card diya jata hai.
Is card ke sath ₹1 lakh se ₹2 lakh tak ka accident insurance cover milta hai.
- Agar aapka account 28 August 2018 ke baad khola gaya hai, to aapko ₹2 lakh ka insurance cover milta hai.
- Agar aapka account usse pehle khula tha, to aapko ₹1 lakh ka cover milta hai.
Yeh insurance cover tab milta hai jab khata dharak ka accident ke karan nidhan ho jaye ya gambhir chot lage.
💰 3. Overdraft Facility (₹10,000 tak ka loan)
Jan Dhan account holder ko 6 mahine tak account sahi tarike se chalane ke baad ₹10,000 tak ka overdraft (loan) mil sakta hai.
Iska matlab – agar aapke khate me paisa nahi bhi hai, to bhi aap ₹10,000 tak nikal sakte hain, jise aap baad me chuka sakte hain.
Yeh suvidha un logon ke liye hai jinka account sahi tarike se chal raha ho aur jinke pass koi aur bank account na ho.
🧾 4. Life Insurance Cover (₹30,000 tak)
Pradhan Mantri Jan Dhan Yojana ke tahat, jin logon ne 15 August 2014 se 31 January 2015 ke beech account kholwaya tha, unhe ₹30,000 tak ka life insurance cover diya gaya tha.
Iska labh tab milta hai jab account holder ki maut natural ya accident se ho jati hai.
💵 5. Sarkari Yojnaon ke Paise Seedhe Khate Me (Direct Benefit Transfer – DBT)
Jan Dhan account ko Aadhaar card aur mobile number se jodne ke baad, aapko sarkar ke kai yojnaon ke paise seedhe aapke bank account me milte hain, jaise:
- LPG Gas Subsidy
- PM Kisan Samman Nidhi Yojana
- Pension (Vridha, Vidhwa, Viklang pension)
- Scholarship (Chhatra Vratti)
- Manrega Mazdoor ke bhugtan
Yani, ab paise beech me kisi madhyavarti ke bina seedhe aap tak pahuchte hain.
🪙 6. Interest on Deposit (Jama Rakam Par Byaj)
Agar aap apne Jan Dhan khate me paisa rakhte hain, to aapko saving account ke anusar byaj (interest) milta hai.
Byaj dar lagbhag 3% se 4% tak hoti hai (bank ke hisab se).
📱 7. Mobile Banking aur Digital Transaction
Jan Dhan account ke sath aapko mobile banking aur digital payment ki suvidha milti hai.
Aap *UPI, 99#, RuPay card aur Aadhaar Pay se transaction kar sakte hain — bina kisi charge ke.
Isse gaon ke log bhi cashless payment kar sakte hain.
🧍♂️ 8. Mahila Khata Dharako ke Liye Vishesh Labh
Mahila khata dharak (women account holders) ko kuch bank extra benefits bhi dete hain jaise:
- Overdraft limit ₹5,000 se badhakar ₹10,000 tak.
- Saving par thoda adhik byaj.
- Special government schemes ka direct benefit.
💉 9. Bima aur Pension Yojnao se Jodne ki Suvidha
Jan Dhan account ke sath aap any social security schemes me asani se jud sakte hain:
- Pradhan Mantri Suraksha Bima Yojana (PMSBY): ₹12 me ₹2 lakh ka accident insurance.
- Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): ₹330 me ₹2 lakh ka life insurance.
- Atal Pension Yojana (APY): Retirement ke baad ₹1,000 se ₹5,000 tak mahina pension.
Yeh sabhi yojnaon ka premium seedhe Jan Dhan account se kata jata hai, isliye aapko alag se kuch karna nahi padta.
📊 10. 2025 Tak Ki Pragati aur Prabhav
2025 tak Pradhan Mantri Jan Dhan Yojana ke kuch mukhya parinam ye hain:
- Bharat me 50 crore se zyada Jan Dhan account khul chuke hain.
- In accounts me ₹2 lakh crore se adhik rakam jama hai.
- 60% se zyada account rural aur semi-urban areas me khule hain.
- Mahila khata dharak 55% se adhik hain.
Is yojna ne desh me gareebi kam karne aur financial inclusion badhane me bada yogdan diya hai.
🏁 Nishkarsh (Conclusion)
Pradhan Mantri Jan Dhan Yojana ke tahat sarkar ne gareeb aur gram bharatiyon tak banking aur sarkari labh pahunchane ka sapna poora kiya hai.
Aaj har nagrik ke pass apna khata hai, jisme:
- Zero balance account
- ₹2 lakh tak insurance cover
- ₹10,000 overdraft facility
- Aur sarkari paise seedhe account me milne ki suvidha uplabdh hai.
Yeh yojna “Sabka Saath, Sabka Vikas” ke sath Bharat ko digital aur arthik roop se majboot banane ki disha me ek bada kadam hai.
