PMJDY (Pradhan Mantri Jan-Dhan Yojana)
Financial-inclusion mission launched on 28 August 2014 providing zero-balance bank accounts to unbanked households, with a RuPay debit card, accident insurance cover, and an overdraft facility.
Why UPSC tests this
Cornerstone of the JAM Trinity (Jan Dhan + Aadhaar + Mobile). Tested on overdraft limits, insurance covers, and how it enabled DBT scaling.
Latest from PIB
8 on this page- 5 Dec 2025Ministry of Electronics
Conference on “Harnessing AI and Digital Public Infrastructure (DPI) for Viksit Bharat”
A high-level conference on 'Harnessing AI and Digital Public Infrastructure (DPI) for Viksit Bharat' was organized by NISG, MeitY, and Directorate of IT, Tripura. Key policymakers and experts discussed AI and DPI's role in governance and achieving 'Viksit Bharat 2047'. Speakers highlighted India's economic growth towar…
- 5 Dec 2025Ministry of Finance
Aapki Punji Aapka Adhikar Camp to be Organized Across Four Districts of Bastar on 05 December 2025
The 'Aapki Punji Aapka Adhikar' financial awareness camp, organized by the Ministry of Finance, aims to boost financial literacy and awareness of government financial inclusion schemes. Scheduled for December 5, 2025, it targets vulnerable sections in four Bastar districts of Chhattisgarh (Bijapur, Kanker, Narayanpur,…
- 31 Oct 2025Department of Financial Services
DFS successfully concludes the 4 month long Nationwide Financial Inclusion Saturation Campaign
The Department of Financial Services (DFS) concluded its four-month Nationwide Financial Inclusion Saturation Campaign on October 31, 2025. Launched on July 1, 2025, the campaign aimed to bring eligible citizens into key financial schemes like PMJDY, PMJJBY, PMSBY, and APY, saturating 2.70 lakh Gram Panchayats and Urba…
- 13 Aug 2025Ministry of Finance
Camp held Querim in Ponda to maximise coverage under Social Security Schemes
A camp was held in Querim, Ponda, Goa, as part of a three-month national saturation campaign by the Department of Financial Services to maximize coverage under Jansuraksha Schemes like PMJDY, PMJJBY, PMSBY, and APY. Organized by the State-level Bankers’ Committee (SLBC), Goa, the event focused on financial inclusion an…
- 4 Aug 2025Ministry of Finance
Saturation of Financial Inclusion Schemes and Re-KYC Camp Takes Place in Hooghly District of West Bengal
A Financial Inclusion (FI) Saturation and Re-KYC Camp was organized in Hooghly, West Bengal, as part of a government initiative for saturation of FI schemes. The camp highlighted key benefits of PMJDY, promoted enrolments for other social security schemes, and raised awareness about RBI's UDGAM portal, Integrated Ombud…
- 1 Jul 2025Department of Financial Serv
SBI Hosts Financial Inclusion Saturation Camp in Haridwar’s Tehri Dob Nagar, Empowers Over 100 Villagers
The State Bank of India (SBI) recently hosted a Financial Inclusion Saturation Camp in Haridwar as part of an ongoing three-month nationwide campaign by the Department of Financial Services (DFS). The initiative aims to promote flagship schemes like PMJJBY, PMSBY, APY, and PMJDY at Gram Panchayat and Urban Local Body l…
- 1 Jul 2025Ministry of Finance
SBI organises saturation camp for financial inclusion
The Department of Financial Services has launched a three-month nationwide campaign from July to September 2025 to achieve saturation in financial inclusion. The initiative aims to expand access to various government schemes like PMJDY, PMJJBY, PMSBY, and APY at the Gram Panchayat and Urban Local Body levels.
- 1 Jul 2025Ministry of Finance, Department of Financial Services
Jansuraksha Saturation Campaign for Financial Inclusion progressing in Kannur; camp held at Kannapuram panchayat today
The Ministry of Finance, DFS, is conducting a three-month-long Jansuraksha Saturation Campaign across India from July to September 2025. It targets saturation coverage of financial inclusion schemes like PMJDY, PMJJBY, PMSBY, and APY at the Gram Panchayat level. The campaign includes financial literacy and KYC re-verif…
Frequently asked
- What is the JAM Trinity?
- Jan Dhan accounts + Aadhaar + Mobile — the three-pillar architecture for delivering subsidies and benefits via Direct Benefit Transfer (DBT).
- What is the overdraft facility under PMJDY?
- Eligible PMJDY account holders can avail an overdraft of up to ₹10,000, subject to satisfactory account operation and KYC compliance.
- What insurance comes bundled with a PMJDY account?
- An accident insurance cover via the RuPay debit card (currently ₹2 lakh for accounts opened after 28 August 2018).
Related schemes
See all →Last updated 9 May 2026.