In the past, many Indians did not have bank accounts, which made it difficult for the government to provide financial assistance directly to the people. Often, intermediaries would divert the funds meant for the needy. To address this issue, the government devised a plan to ensure that every citizen had a bank account, allowing direct transfer of financial aid. This plan is known as the Pradhan Mantri Jan Dhan Yojana (PMJDY).
Recently, the Modi government has transferred ₹10,000 to the accounts of all Jan Dhan account holders. If you want to check if you have received this amount under the Jan Dhan Yojana, read this article thoroughly for complete details.
What is Pradhan Mantri Jan Dhan Yojana?
The Pradhan Mantri Jan Dhan Yojana (PMJDY) is a financial inclusion scheme launched by the central government. The scheme aims to provide every citizen with a bank account and offer benefits like insurance and other policies to account holders. Accounts under this scheme can be opened with zero balance, meaning no initial deposit is required. Prime Minister Narendra Modi announced the Jan Dhan Yojana on August 15, 2014, and it was officially launched on August 28, 2014. The main goal of this scheme is to encourage people to open bank accounts so that government funds can be directly transferred to beneficiaries’ accounts.
Pradhan Mantri Jan Dhan Yojana 2024 Overview
- Scheme Name: Pradhan Mantri Jan Dhan Yojana
- Launched By: PM Narendra Modi
- Announcement Date: August 15, 2014
- Launch Date: August 28, 2014
- Beneficiaries: Every citizen of the country
Benefits of Jan Dhan Yojana
The Pradhan Mantri Jan Dhan Yojana offers numerous benefits to the general public:
- Accounts can be opened with zero balance, meaning the account remains active even if there is no money in it.
- The government provides interest on the deposited amount.
- An insurance coverage of ₹1 lakh is provided to account holders.
- Additional benefits from other government schemes are also accessible through Jan Dhan accounts.
- Prior to this scheme, many poor individuals could not open bank accounts. However, since the introduction of Jan Dhan Yojana, over 48 crore accounts have been opened.
How to Check if ₹10,000 Has Been Credited to Your Account
The government has transferred ₹10,000 to Jan Dhan account holders. To check if this amount has been credited to your account, you can use both online and offline methods. Here’s how you can check your account balance online:
Checking Bank Balance Online:
- Visit the official website: PFMS Official Website.
- Log in to the official website.
- The homepage will appear with several options.
- Click on the “Know Your Payment” option.
- After clicking “Know Your Payment,” a list of banks will appear. Select the bank where your account is held.
- Enter your account number.
- You will receive an OTP on your registered mobile number. Enter this OTP in the CAPTCHA code field.
- After entering the OTP, your bank balance will be displayed on the screen.
By following these steps, you can easily check if the ₹10,000 has been credited to your Jan Dhan account.