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New Delhi. We are talking about Jan Dhan account. Under the Pradhan Mantri Jan Dhan Yojana, accounts are opened more in public sector banks. But, if you wish, you can open your Jan Dhan account in a private bank as well. The account holder gets many facilities in the Jan Dhan Yojana account. Let us tell you that the central government opens a zero balance savings account under the Pradhan Mantri Jan Dhan Yojana. In this, many other benefits are also available including accident insurance, overdraft facility, check book.
Under the Jan Dhan Yojana, even if there is no balance in your account, the overdraft facility of up to Rs 10,000 will be available. This facility is like a short term loan. Earlier this amount used to be 5 thousand rupees. The government has now increased this facility to 10,000.(10000-rupees)
Who can take Rs 10000
If you want to take advantage of this facility, then you should be aware of all the rules related to it. The maximum age limit for overdraft facility in this account is 65 years. To avail the overdraft facility, your Jan Dhan account should be at least 6 months old. If this does not happen, only overdraft of up to Rs 2 thousand is available.
What is Jan Dhan account?
Pradhan Mantri Jan Dhan Yojana is the most ambitious financial program which ensures access to banking/savings and deposit accounts, remittances, loans, insurance, pension. According to the website of Pradhan Mantri Jan Dhan Yojana, till April 5, 2023, a total of 48.70 crore people have opened accounts and 32.96 crore Rupay debit cards have been issued in this scheme. The special thing is that in this 32.48 crore accounts have been opened in rural and semi-urban areas.
How to open account?
Under the Pradhan Mantri Jan Dhan Yojana, accounts are opened more in public sector banks. But, if you wish, you can open your Jan Dhan account in a private bank as well. If you have any other savings account, you can also convert it into Jan Dhan account. Any citizen living in India, whose age is 10 years or more, can open a Jan Dhan account.
