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STATUTORY GLOSSARY TERM

Pradhan Mantri Jan Dhan Account (PMJDY)

A zero-balance basic savings bank deposit account (BSBDA) opened under the National Mission for Financial Inclusion, offering RuPay debit card, overdraft facility, and built-in accident insurance.

Administrative Context & Legal Basis

Functions as the foundational financial infrastructure for direct welfare benefit delivery across all central and state welfare programs, enabling unbanked citizens to receive Direct Benefit Transfers directly.

Governing Authority / MinistryDepartment of Financial Services, Ministry of Finance
Required Documentary EvidencePMJDY Bank Passbook / Bank Account Statement with RuPay Card details

Frequently Asked Questions

What is Pradhan Mantri Jan Dhan Account and why is it required for government schemes?▾

A zero-balance basic savings bank deposit account (BSBDA) opened under the National Mission for Financial Inclusion, offering RuPay debit card, overdraft facility, and built-in accident insurance. Functions as the foundational financial infrastructure for direct welfare benefit delivery across all central and state welfare programs, enabling unbanked citizens to receive Direct Benefit Transfers directly.

What document proves Pradhan Mantri Jan Dhan Account (PMJDY) status for welfare scheme eligibility?▾

PMJDY Bank Passbook / Bank Account Statement with RuPay Card details

Which government schemes require PMJDY as an eligibility condition?▾

Schemes that explicitly reference PMJDY as an eligibility criterion include: Pradhan Mantri Kisan Samman Nidhi (PM-KISAN), Pradhan Mantri Jan Dhan Yojana (PMJDY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY). Browse the complete list on this page, or use the Eligibility Checker at eligohub.in/eligibility-checker/ to find all matching programs.

ℹ️Statutory Guidance on Citizen Documentation

Definitions and criteria referenced here reflect statutory guidelines issued by the respective Union Ministry or State Authority. When presenting documentation for welfare scheme verification, ensure that physical certificates or DigiLocker digital credentials carry verifiable QR codes, official department seals, or digital signatures. Consult your local Tehsildar or District Magistrate's office for state-specific issuance circulars.

Schemes Referencing This Qualification

Programs where PMJDY status is a listed eligibility condition or documentation requirement.

ActiveCentral SchemeEst. 2019

Pradhan Mantri Kisan Samman Nidhi (PM-KISAN)

Direct income support of ₹6,000 per year in three equal installments to landholding farmer families across India provided through direct benefit transfer.

Verified: 2026-09-16
Details
ActiveCentral SchemeEst. 2014

Pradhan Mantri Jan Dhan Yojana (PMJDY)

National financial inclusion mission ensuring universal access to banking facilities with zero-balance savings accounts, RuPay debit cards, and credit facilities.

Verified: 2026-10-12
Details
ActiveCentral SchemeEst. 2015

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Affordable government-backed one-year renewable life insurance scheme offering ₹2 lakh life risk cover on death due to any cause.

Verified: 2026-10-12
Details
ActiveCentral SchemeEst. 2015

Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Highly subsidized accidental death and disability insurance offering ₹2 lakh cover for just ₹20 per year supporting citizen beneficiaries nationwide.

Verified: 2026-09-16
Details
ActiveCentral SchemeEst. 2015

Atal Pension Yojana (APY)

Guaranteed pension scheme administered by PFRDA for unorganized sector workers offering monthly pensions of ₹1,000 to ₹5,000 from age 60.

Verified: 2026-10-12
Details
ActiveCentral SchemeEst. 2009

Indira Gandhi National Widow Pension Scheme (IGNWPS / NSAP)

Monthly social security pension under NSAP for destitute widows aged 40 to 79 belonging to below-poverty-line families covering eligible citizens across India.

Verified: 2026-09-16
Details