Looking for information about the Pradhan Mantri Jan Dhan Yojana (PMJDY)? This guide brings together the key eligibility, document, fee, application, and official links in one place.
Last Verified: 27 August 2026
Source: Department of Financial Services, Ministry of Finance, Government of India
Applicable State: India
Service Type: Offline / Bank Mitra
Pradhan Mantri Jan Dhan Yojana (PMJDY)
The Pradhan Mantri Jan Dhan Yojana (PMJDY) is the Government of India’s financial-inclusion scheme for providing basic banking access, savings, remittance, credit, insurance and pension facilities. A PMJDY/Basic Savings Bank Deposit account can be opened through a participating bank branch or Business Correspondent (Bank Mitra).
Eligibility Criteria
| Eligibility Requirement | Details |
|---|---|
| Applicant | Person who does not already have a bank account |
| Residency | Indian resident |
| Account Type | Basic Savings Bank Deposit (BSBD) account |
| Age | Applicable to eligible individuals; minors can also have basic accounts subject to bank/RBI rules |
Documents Required
| Document | Required / Optional | Purpose/Notes |
|---|---|---|
| Aadhaar | Preferred | If available, normally sufficient for KYC |
| OVD | If Aadhaar unavailable | Voter ID, Driving Licence, PAN, Passport or NREGA Job Card |
| Other KYC document | Case-specific | May be accepted under applicable RBI rules |
Application Fee & Processing Time
| Application Type / Category | Application Fee | Processing Time |
|---|---|---|
| Standard | No application fee | Not clearly specified on the official source. |
Useful Links
| Purpose | Official Link |
|---|---|
| Official Portal / Scheme Details | PMJDY Official Portal |
| Account Opening Form | PMJDY Portal |
| Grievance / Complaint | PMJDY Grievance Portal |
| Official Help | PMJDY Toll-Free: 1800 11 0001 / 1800 180 1111 |
How to Apply — Step by Step
- Visit a participating bank branch or Bank Mitra.
- Request the PMJDY/BSBD account-opening form.
- Complete KYC formalities and submit the required document.
- Complete bank verification.
- Receive your account details and RuPay card, where applicable.
How to Track / Check Account
PMJDY does not have a single application-status tracker like many online schemes. Contact your bank branch/Bank Mitra for account-opening status and account-related issues.
Need Help? Start Here
For account-opening or KYC problems, first contact the concerned bank. For PMJDY complaints, use the official grievance portal or call 1800 11 0001 / 1800 180 1111. The grievance portal also provides a Status Enquiry option using the reference number.