{"id":191750,"date":"2026-01-12T13:26:39","date_gmt":"2026-01-12T07:56:39","guid":{"rendered":"https:\/\/www.practicemock.com\/blog\/?p=191750"},"modified":"2026-01-12T13:26:40","modified_gmt":"2026-01-12T07:56:40","slug":"pradhan-mantri-jan-dhan-yojana","status":"publish","type":"post","link":"https:\/\/www.practicemock.com\/blog\/pradhan-mantri-jan-dhan-yojana\/","title":{"rendered":"Pradhan Mantri Jan Dhan Yojana (PMJDY) 2026- Download Free PDF"},"content":{"rendered":"\n<p>If you are preparing for upcoming Bank, SSC or Regulatory Body exams in 2026, you already know that &#8220;Financial Inclusion&#8221; is a core topic. At the heart of this topic lies the <strong>Pradhan Mantri Jan Dhan Yojana (PMJDY)<\/strong>. Since its launch, it has transformed from a simple bank account opening drive into the world&#8217;s largest financial inclusion initiative. This blog provides a 360 degree view of the scheme, updated with January 2026 figures, to help you score full marks in your General Awareness section.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-cyan-blue-background-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/pricing\/marketing\/files\/pdf\/pradhan-mantri-jan-dhan-yojana_compressed.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Pradhan Mantri Jan Dhan Yojana (PMJDY)- Download Free PDF<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">1. What is PMJDY?<\/h2>\n\n\n\n<p>Launched on <strong>August 28, 2014<\/strong>, with the tagline <strong>&#8220;Mera Khata Bhagyavidhata&#8221;<\/strong> (My Account is the Maker of my Fortune), PMJDY is a National Mission on Financial Inclusion.<\/p>\n\n\n\n<p>It aims to ensure that even the poorest citizen has access to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banking\/Savings &amp; Deposit Accounts<\/li>\n\n\n\n<li>Remittance (Money Transfer)<\/li>\n\n\n\n<li>Credit (Loans)<\/li>\n\n\n\n<li>Insurance<\/li>\n\n\n\n<li>Pension<\/li>\n<\/ul>\n\n\n\n<p><strong>Nodal Agency:<\/strong> Department of Financial Services (DFS), Ministry of Finance.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">2. The 6 Pillars of PMJDY<\/h2>\n\n\n\n<p>To outperform your competitors, you must memorize the six strategic pillars on which this mission stands:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Universal Access to Banking Services:<\/strong> Ensuring every habitation has a banking touchpoint (Branch or Bank Mitra) within 5 km.<\/li>\n\n\n\n<li><strong>Basic Savings Bank Accounts (BSBDA):<\/strong> Opening accounts with zero balance and zero charges.<\/li>\n\n\n\n<li><strong>Financial Literacy Program:<\/strong> Educating people on savings, ATM usage, and digital banking.<\/li>\n\n\n\n<li><strong>Creation of Credit Guarantee Fund:<\/strong> Providing banks a safety net against defaults on overdrafts.<\/li>\n\n\n\n<li><strong>Insurance:<\/strong> Providing accident and life cover.<\/li>\n\n\n\n<li><strong>Pension Scheme for Unorganized Sector:<\/strong> Linking accounts with schemes like Atal Pension Yojana (APY).<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">3. Key Features &amp; Benefits<\/h2>\n\n\n\n<p>The examiners love numbers. Here are the most critical figures you need to remember:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A. Overdraft (OD) Facility<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Limit:<\/strong> Up to <strong>10,000<\/strong>.<\/li>\n\n\n\n<li><strong>Condition-Free:<\/strong> Up to <strong>2,000<\/strong> can be withdrawn without any conditions.<\/li>\n\n\n\n<li><strong>Eligibility:<\/strong> Available after 6 months of satisfactory account operation.<\/li>\n\n\n\n<li><strong>Age Limit:<\/strong> Revised from 18-60 years to <strong>18-65 years<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">B. Insurance Coverage<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Accidental Insurance:<\/strong> <strong>2 Lakh<\/strong> (for RuPay cardholders who opened accounts after August 28, 2018). For older accounts, it remains 1 Lakh.<\/li>\n\n\n\n<li><strong>Life Insurance Cover:<\/strong> <strong>30,000<\/strong> (Note: This was a one-time benefit for accounts opened between Aug 15, 2014, and Jan 31, 2015).<\/li>\n\n\n\n<li><strong>Usage Rule:<\/strong> The RuPay card must have been used at least once in the <strong>90 days<\/strong> prior to the accident.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">C. Zero Balance Account<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No minimum balance is required to keep the account active.<\/li>\n\n\n\n<li>Accounts are opened under the <strong>BSBDA<\/strong> (Basic Savings Bank Deposit Account) framework.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">4. PMJDY 2026: A Look at the Latest Statistics<\/h2>\n\n\n\n<p>As of January 2026, PMJDY has reached historic milestones. Use these figures for your descriptive answers or interview prep:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>Particulars<\/strong><\/td><td><strong>Latest Data (Jan 2026)<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Total Accounts<\/strong><\/td><td>Over <strong>53.1 Crore<\/strong><\/td><\/tr><tr><td><strong>Women Beneficiaries<\/strong><\/td><td>Approximately <strong>56%<\/strong> of total accounts<\/td><\/tr><tr><td><strong>Rural\/Semi-Urban Share<\/strong><\/td><td>Nearly <strong>67%<\/strong><\/td><\/tr><tr><td><strong>Total Deposits<\/strong><\/td><td>Crosses <strong>2.3 Lakh Crore<\/strong><\/td><\/tr><tr><td><strong>RuPay Cards Issued<\/strong><\/td><td>Approx <strong>36 Crore<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Guinness World Record:<\/strong> PMJDY holds the record for &#8220;Most bank accounts opened in one week&#8221; (1.8 Crore accounts) during its launch phase.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">5. Why PMJDY Matters: The JAM Trinity<\/h2>\n\n\n\n<p>PMJDY is the first part of the <strong>JAM Trinity<\/strong> (Jan Dhan, Aadhaar, Mobile). This integration allows the government to transfer subsidies (like PM-Kisan, Gas subsidy, and MGNREGA wages) directly into the accounts of the poor, eliminating &#8220;middlemen&#8221; and leakages.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">6. Actionable Recommendations for Students<\/h2>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Don&#8217;t Mix Dates:<\/strong> Remember the launch date (Aug 28, 2014) vs the insurance change date (Aug 28, 2018).<\/li>\n\n\n\n<li><strong>Focus on the &#8220;Small Account&#8221; Rule:<\/strong> If someone doesn&#8217;t have valid documents, they can open a &#8220;Small Account&#8221; valid for 12 months (extendable by another 12 months if they apply for documents).<\/li>\n\n\n\n<li><strong>Check the OD Age:<\/strong> It is 18 to 65 years, not 18 to 60. This is a common trap in MCQ options.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">7. Frequently Asked Questions (FAQ)<\/h2>\n\n\n\n<p>Q1. Can I open a PMJDY account if I already have a regular savings account?<\/p>\n\n\n\n<p>According to RBI rules, you should not hold more than one BSBDA\/Jan Dhan account. If you have a regular account, you can request the bank to convert it into a PMJDY account to avail the specific benefits.<\/p>\n\n\n\n<p>Q2. Is there any processing fee for the Overdraft facility?<\/p>\n\n\n\n<p>No, there is typically no processing fee for the OD facility under PMJDY.<\/p>\n\n\n\n<p>Q3. What is the minimum age to open a PMJDY account?<\/p>\n\n\n\n<p>A minor above the age of 10 years can open a PMJDY account with the support of a guardian.<\/p>\n\n\n\n<p>Q4. Does the insurance cover natural death?<\/p>\n\n\n\n<p>No. The 2 Lakh cover is specifically for Accidental Death or Permanent Disability.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-red-background-color has-background wp-element-button\" href=\"http:\/\/practicemock.com\/?ref=14624\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Take Free Mock Tests of Bank, Insurance, SSC &amp; Regulatory Body Exams<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pradhan Mantri Jan Dhan Yojana (PMJDY): High-Level Practice Set<\/strong><\/h2>\n\n\n\n<p><strong>Q1. What is the revised upper age limit for availing of the Overdraft (OD) facility under the PMJDY scheme?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A) 60 years<\/li>\n\n\n\n<li>B) 62 years<\/li>\n\n\n\n<li>C) 65 years<\/li>\n\n\n\n<li>D) 70 years<\/li>\n<\/ul>\n\n\n\n<p><strong>Answer: C) 65 years<\/strong> <em>(Rationale: The government increased the upper age limit from 60 to 65 years to extend social security benefits to a larger population.)<\/em><\/p>\n\n\n\n<p><strong>Q2. For PMJDY accounts opened after August 28, 2018, what is the amount of free accidental insurance cover provided with the RuPay card?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A) 1 Lakh<\/li>\n\n\n\n<li>B) 2 Lakh<\/li>\n\n\n\n<li>C) 3 Lakh<\/li>\n\n\n\n<li>D) 5 Lakh<\/li>\n<\/ul>\n\n\n\n<p><strong>Answer: B) 2 Lakh<\/strong> <em>(Rationale: To increase the incentive for insurance, the government doubled the accidental cover from 1 Lakh to 2 Lakh for all new accounts opened after the 2018 anniversary.)<\/em><\/p>\n\n\n\n<p><strong>Q3. Under the PMJDY framework, what is the maximum amount an account holder can withdraw as an Overdraft without any specific conditions?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A) 1,000<\/li>\n\n\n\n<li>B) 2,000<\/li>\n\n\n\n<li>C) 5,000<\/li>\n\n\n\n<li>D) 10,000<\/li>\n<\/ul>\n\n\n\n<p><strong>Answer: B) 2,000<\/strong> <em>(Rationale: While the total OD limit is 10,000, the first 2,000 is available &#8216;condition-free&#8217; to help with immediate liquidity for the poor.)<\/em><\/p>\n\n\n\n<p><strong>Q4. To be eligible for a successful accidental insurance claim under PMJDY, the RuPay card must have been used at least once in how many days prior to the accident?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A) 30 days<\/li>\n\n\n\n<li>B) 45 days<\/li>\n\n\n\n<li>C) 60 days<\/li>\n\n\n\n<li>D) 90 days<\/li>\n<\/ul>\n\n\n\n<p><strong>Answer: D) 90 days<\/strong> <em>(Rationale: The &#8216;usage&#8217; rule requires at least one successful financial or non-financial transaction at a merchant location, ATM, or e-commerce platform within 90 days of the accident.)<\/em><\/p>\n\n\n\n<p><strong>Q5. Which department under the Ministry of Finance is the nodal agency for the implementation of PMJDY?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A) Department of Economic Affairs<\/li>\n\n\n\n<li>B) Department of Revenue<\/li>\n\n\n\n<li>C) Department of Financial Services (DFS)<\/li>\n\n\n\n<li>D) Department of Expenditure<\/li>\n<\/ul>\n\n\n\n<p><strong>Answer: C) Department of Financial Services (DFS)<\/strong><\/p>\n\n\n\n<p><strong>Q6. What is the maximum duration for which a &#8220;Small Account&#8221; (opened without standard OVDs) can remain operational before the holder must provide proof of application for official documents?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A) 6 months<\/li>\n\n\n\n<li>B) 12 months<\/li>\n\n\n\n<li>C) 24 months<\/li>\n\n\n\n<li>D) 36 months<\/li>\n<\/ul>\n\n\n\n<p><strong>Answer: B) 12 months<\/strong> <em>(Rationale: A Small Account is valid for 12 months, and can be extended for another 12 months if the person shows proof that they have applied for valid KYC documents.)<\/em><\/p>\n\n\n\n<p><strong>Q7. The one-time Life Insurance cover of 30,000 provided under PMJDY was available to which category of subscribers?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A) All subscribers till 2026<\/li>\n\n\n\n<li>B) Only women subscribers<\/li>\n\n\n\n<li>C) Those who opened accounts between Aug 15, 2014, and Jan 31, 2015<\/li>\n\n\n\n<li>D) Only those who maintain a balance of 5,000<\/li>\n<\/ul>\n\n\n\n<p><strong>Answer: C) Those who opened accounts between Aug 15, 2014, and Jan 31, 2015<\/strong><\/p>\n\n\n\n<p><strong>Q8. What is the official tagline of the Pradhan Mantri Jan Dhan Yojana?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A) Sabka Saath Sabka Vikas<\/li>\n\n\n\n<li>B) Mera Khata Bhagyavidhata<\/li>\n\n\n\n<li>C) Clean Fuel, Better Life<\/li>\n\n\n\n<li>D) Funding the Unfunded<\/li>\n<\/ul>\n\n\n\n<p><strong>Answer: B) Mera Khata Bhagyavidhata<\/strong><\/p>\n\n\n\n<p><strong>Q9. Which of the following is NOT one of the &#8220;6 Pillars&#8221; of the PMJDY mission?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A) Universal access to banking services<\/li>\n\n\n\n<li>B) Micro-credit facility (Overdraft)<\/li>\n\n\n\n<li>C) Free Mobile Phones for Rural Households<\/li>\n\n\n\n<li>D) Creation of a Credit Guarantee Fund<\/li>\n<\/ul>\n\n\n\n<p><strong>Answer: C) Free Mobile Phones for Rural Households<\/strong><\/p>\n\n\n\n<p><strong>Q10. A PMJDY account is essentially which type of bank account as per RBI regulations?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A) Fixed Deposit Account<\/li>\n\n\n\n<li>B) Current Account<\/li>\n\n\n\n<li>C) BSBDA (Basic Savings Bank Deposit Account)<\/li>\n\n\n\n<li>D) Recurring Deposit Account<\/li>\n<\/ul>\n\n\n\n<p><strong>Answer: C) BSBDA (Basic Savings Bank Deposit Account)<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Master Pradhan Mantri Jan Dhan Yojana for Bank &#038; SSC exams! Get latest stats, 10k OD rules, 2L insurance info, &#038; the 6 pillars in one guide!<\/p>\n","protected":false},"author":3,"featured_media":191758,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[12],"tags":[],"class_list":["post-191750","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gk-notes"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pradhan Mantri Jan Dhan Yojana (PMJDY) 2026- Download Free PDF - Practicemock<\/title>\n<meta name=\"description\" content=\"Master Pradhan Mantri Jan Dhan Yojana for Bank &amp; SSC exams! 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