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The National Mission of Financial Inclusion named as the Pradhan Mantri Jan Dhan Yojana seeks to integrate the poorest of the poor with bank accounts.

• Provision of affordable financial services of the excluded sections.
• Identification of household without any bank account and providing Basic Banking Accounts with Overdraft facility and RuPay Debit Card with inbuilt accident insurance cover of ₹ 1 lakh to them

• Issuance of RuPay Debit Card with inbuilt ₹1 lakh personal accident insurance cover provided by HDFC Ergo and a life cover of ₹30,000 provided by LIC
• No minimum balance requirement
• Beneficiaries of government schemes will get Direct Benefit Transfer
• After satisfactory operation of the account for 6 months, an overdraft facility of ₹5,000 will be permitted (Aadhaar linked accounts only)
• RuPay ATM-cum-debit Card - Allowed free of charge and No Annual / Renewal Fees
• Mobile Banking / SMS Alert Facility
• No limit on Cash Remittance at Parent branch and at Satellite Branches

Minimum Balance Requiremnt