PM Jan Dhan Yojana: How to get an overdraft of ₹ 10,000 If your account is open under the Pradhan Mantri Jan Dhan Yojana, then there is a great news for you. The government is now giving an overdraft of up to ₹ 10,000 to all Jan Dhan account holders. If your account is not open, you can also take advantage of this scheme by opening it. In this article, we will tell you how you can open a Jan Dhan account and how you can take advantage of this overdraft facility.
Why is PM Jan Dhan Yojana account necessary?
Under the Pradhan Mantri Jan Dhan Yojana, the government keeps giving benefits from time to time. For example, during the Corona epidemic, an amount of ₹ 500 to ₹ 1000 was sent every month to the accounts of women Jan Dhan account holders. Now the government has announced an overdraft of ₹ 10,000 for Jan Dhan account holders. To avail this facility, you must have a Jan Dhan account. If your account is not yet opened, then there is nothing to worry about. You can easily open an account by following the steps given below.
Documents required to open PM Jan Dhan Yojana account
Some important documents are required to open an account under Pradhan Mantri Jan Dhan Yojana. These documents are as follows:
- Aadhar card
- PAN card
- Driving License
- Voter ID
- NREGA Card
- Passport size photo
How to open an account?
- First of all you have to download the Pradhan Mantri Jan Dhan Yojana form or get it from the nearest bank.
- Fill the information asked in the form like name, address, Aadhaar number, name of bank branch etc. correctly.
- Attach passport size photo and a copy of Aadhaar card or PAN card.
- After filling the form, submit it to the nearest bank branch where you want to open the account.
- Within 24 hours of submitting the form your account will be opened and you can get your bank passbook.
How to avail overdraft facility?
If you already have a Jan Dhan account or have opened a new account, you can easily get an overdraft of ₹ 10,000. For this, you will have to go to the bank and fill an overdraft form.
Steps:
- Go to the bank and ask for an overdraft form.
- Fill the information requested in the form.
- Submit the form to the bank.
- The bank will then issue an overdraft of ₹10,000 to your account.
Things to keep in mind
Overdraft is an emergency facility, which you can use only in urgent situations. Keep in mind that you will have to pay back the overdrafted amount to the bank. So use this facility wisely.