Jan-Dhan Account: If you need money and have zero balance in the account, you will still get Rs 10,000, know how?
Even if you do not have money in your savings account, you can withdraw Rs 10,000 from the bank. To avail of this facility, you must have a Jan Dhan account. Jan-Dhan account was started by the Modi government at the Center in the year 2017. On opening a bank account under Pradhan Mantri Jan Dhan Yojana, many types of banking facilities like checkbooks, passbooks, accidental insurance, etc. are available. Along with all this, customers also get an overdraft facility. With its help, you can withdraw money whenever needed even if there is no balance in your bank account.
Pradhan Mantri Jan Dhan Yojana
Under this scheme, bank accounts are opened on zero-balance accounts. Even if there is no minimum balance in your account, you do not have to pay any charge for it. Many types of facilities including insurance are available in this scheme. This account, which runs on zero balance, has helped crores of people easily get benefits like savings accounts, insurance, and pensions.
This way you will get 10 thousand rupees
Under Jan Dhan Yojana, you will get an overdraft facility of up to Rs 10,000 even if there is no balance in your account. This facility is like a short-term loan. To avail of the overdraft facility, your Jan Dhan account should be at least 6 months old. If this is not the case, only an overdraft of up to Rs 2 thousand is available. The maximum age limit for the overdraft facility in this account is 65 years.
Interest is charged on overdraft
On availing overdraft facility, you have to pay nominal interest to the bank. But with this, the minor needs of low-income group customers are easily fulfilled. They don't have to extend their hands to anyone. You can use this money without taking the hassle of making any additional documents and files.
How to open an account
To open a Jan Dhan account, you must have an Aadhar card and PAN card. The minimum age for opening an account is 10 years. Not only this, you can also convert your old savings account into Jan Dhan.
These facilities are available in Jan Dhan's account
- On opening an account under this scheme, you get a Rupay ATM card, accident insurance cover of Rs 2 lakh, life cover of Rs 30 thousand and interest on the deposited amount.
- You also get the facility of overdraft of Rs 10,000 if you have zero balance.
- Immediately after opening the account, you can avail the benefit of an overdraft of Rs 2000.
- This account can be opened in any bank.
- In this you do not have to maintain minimum balance.
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