Bank Promotion Exams

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Main Features of PMJDY

  • There is no requirement of minimum balance.
  • The services available include deposit and withdrawal of cash at bank branch as well as ATMs; receipt/credit of money through electronic payment channels or by means of collection/deposit of cheques.
  • Maximum of 4 withdrawals a month including ATM withdrawal. No such limit for deposits.
  • Facility of ATM card or ATM-cum-Debit card.
  • These  facilities  are  to  be  provided  without  any  extra  cost.
  • Minimum age - Above 10 years.
  • Debit card - Rupay Card,to be used atleast once in 45 days. Accident insurance (Rs 1.00 lac)cover available, life Insurance cover of Rs 30000 is also available.
  • OD amount - Rs 5000 after 6 months of satisfactory operation, only one person in the family