PM Jan Dhan Yojana

What you get

A zero-balance bank account with a free RuPay card, ₹2 lakh accident cover, and overdraft up to ₹10,000 if eligible.

Who can apply

Any adult who does not have a bank account yet.

Checked against the official site on 7 Nov 2026. Rules change: always confirm on the official site. Applying is free or costs only the official fee.