PMJDY is a financial inclusion program launched by the Government of India to ensure access to banking facilities for all households. It allows opening of zero-balance savings accounts with various benefits. (6135093 Enrolments as on 30.06.2025)
Overdraft facility after 6 months of satisfactory operation
Accidental insurance cover of ₹1 lakh (enhanced to ₹2 lakh to new PMJDY accounts opened after 28.8.2018) is available with RuPay card issued to the PMJDY account holders
