Anybody Desirous of Opening an Account Can Take One Page Application
form to the Nearest Bank Branch/Bank Mitr for Opening the Account; People Who
do not Have Officially Valid Documents or Aadhaar Numbers Can Still Get Bank
Accounts Opened by Submitting Two Copies of Signed Photographs at the Bank
Branch; 4.18 Crore Accounts Opened as on Date Under PMJDY .
Department of Financial
Services, Ministry of Finance, Government of India has issued instructions that
in case people are already holding bank accounts, they need not open another
bank account to avail of benefits under Pradhan Mantri Jan Dhan Yojana (PMJDY).
In fact insurance benefits are available through the RuPay Card. The existing
account holders can submit an application to the concerned branch to enable
them to get a RuPay Debit Card in order to avail of the benefits of insurance
under PMJDY. Micro credit limit of Rs. 5000/- can also be extended in existing
bank accounts on application depending on the satisfactory conduct of the
account.
There had been
complaints from some places about the availability of the Account Opening Forms
due to huge rush and certain people taking advantage of such situation. In view
of this, an advertisement has been issued in all major Newspapers where the
Account Opening Form has been published. Anybody desirous of opening an account
can come and take this Application Form to the nearest bank branch/bank mitr
for opening the account. This one page Account Opening Form is also available
on the website of the Department www.financialservices.gov.in
. RBI has issued guidelines dated 26th August, 2014, where people who do not have
officially valid documents or Aadhaar Numbers can still get bank accounts
opened by submitting two (2) copies of signed photographs at the bank branch.
However, these accounts will be called small accounts and shall normally be
valid for 12 months and shall be continued subject to showing of proof that
he/she has applied for any of the officially valid document within 12 months of
opening of such ‘Small Account’’. These accounts have certain limitations such
as balance at any point of time should not exceed Rs. 50,000/-, total credit in
one year should not exceed Rs. one lac, and total withdrawal should not exceed
Rs. 10,000/- in a month.
As on date 4.18 crore
accounts have been opened under PMJDY.
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PIB