Who is eligible to open PMJDY account?

Below are the eligibility criteria that must be fulfilled by all individuals to open the PMJDY account:

  1. An individual who holds the Indian nationality
  2. An applicant should not have a bank account. However. an individual having a basic savings account can transfer or link its account to Jan Dhan accounts for availing various benefits offered by the scheme 
  3. Applicants must be at least 10 years of age
  4. A minor above 10 years of age are eligible to open an account but it must be having a guardian to operate the bank account. Minors can also use RuPay Cards through which they can withdraw money from ATMs
  5. An individual having identity proof authorized by any gazetted officer is eligible to open an account under this scheme
  6. One not having any valid documents to prove he/she is an Indian national can open an account once the bank does the ground research and clears the individual to be of “low risk”
  7. Individuals who are paying income tax, along with them and their families cannot participate in this scheme
  8. Subscribers of Aam Aadmi Bima Yojana aren't eligible to be members of PMJDY

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