If you have an old bank account, then it can be easily converted into a Jan Dhan account. For this, you have to go to the bank branch and apply for a RuPay card. After this, after filling a form, your bank account will be converted into Jan Dhan Yojana. At the same time, if you want to open your new Jan Dhan account, you will have to fill a form in the bank. In it, name, mobile number, bank branch name, applicant's address, nominee, business/employment and annual income and number of dependents, SSA code or ward number, village code or town code, etc. have to be given.
Many facilities in Jan Dhan account for free
- If you have a Jan Dhan account, then you can withdraw up to 10 thousand rupees from your account through overdraft.
- Accidental insurance cover up to two lakh rupees and life insurance cover up to 30 thousand rupees is available.
- A free mobile banking facility is provided with the account.
- Rupees debit card is given to the Jan Dhan account holder. If Jan Dhan eats, then the account is easily opened for pension in schemes like PM Kisan and Shramayogi Maandhan.
Bankers and experts say that according to government regulations, a person can have only one Jan Dhan account. In such a situation, when a person goes to open another account, it is immediately available from the document that the Jan Dhan account is already opened in another bank. In this situation, banks do not open Jan Dhan's account. However, experts also say that due to being expensive for themselves, private banks shy away from opening Jan Dhan accounts. It has to be opened on zero balance and no fee is allowed to be charged for any service.