Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Account typeBasic Savings Bank Deposit Account under Pradhan Mantri Jan-Dhan Yojana, opened through Bank of Maharashtra branches or Business Correspondent / Maha Gram Seva Kendra channels.View source
The official describes the basic savings account and its banking-correspondent access route.
- Source
- PMJDY
- Page / section
- Benefits available under PMJDY
- Accessed
- 1 Sept 2026
- Confidence
- high
Minimum balanceNil; PMJDY accounts can be opened with zero balance.View source
The official states that there is no requirement to maintain a minimum balance.
- Source
- PMJDY
- Page / section
- Benefits available under PMJDY
- Accessed
- 1 Sept 2026
- Confidence
- high
Salary requirementNo salary-credit requirement is published; PMJDY eligibility is based on the financial-inclusion account and applicable KYC rules.View source
The reviewed page and linked publish inclusion, balance and card benefits but no salary threshold.
- Source
- PMJDY
- Page / section
- Complete page
- Accessed
- 1 Sept 2026
- Confidence
- high
Interest rateThe PMJDY page states that interest is earned on deposited amounts but does not publish a numeric rate; the applicable Bank savings schedule controls.View source
The says interest is earned but gives no numeric percentage.
- Source
- PMJDY
- Page / section
- Benefits available under PMJDY
- Accessed
- 1 Sept 2026
- Confidence
- high
Balance shortfall chargeNil because the PMJDY basic account has no minimum-balance requirement.View source
The states zero-balance opening; no shortfall can arise under the stated minimum-balance rule.
- Source
- PMJDY
- Page / section
- Benefits available under PMJDY
- Accessed
- 1 Sept 2026
- Confidence
- high
Debit cardRuPay debit card is provided to the PMJDY account holder, subject to scheme and card-use conditions.View source
The official lists a RuPay debit card as a PMJDY benefit.
- Source
- PMJDY
- Page / section
- Benefits available under PMJDY
- Accessed
- 1 Sept 2026
- Confidence
- high
Cheque bookThe reviewed PMJDY page and FAQ do not publish a numeric free-cheque-leaf quota.View source
The source publishes account, card, insurance and pension benefits but no cheque-leaf number.
- Source
- PMJDY cheque review
- Page / section
- Complete page and linked
- Accessed
- 1 Sept 2026
- Confidence
- high
ATM limitsThe reviewed PMJDY page and FAQ do not publish a numeric ATM cash-withdrawal limit; RuPay card and applicable scheme rules apply.View source
No numeric ceiling appears in the reviewed bank materials.
- Source
- PMJDY review
- Page / section
- Complete page and linked
- Accessed
- 1 Sept 2026
- Confidence
- high
Benefits and features
- Zero-balance basic savings account
- Interest on deposited balance
- RuPay debit card
- Accident insurance cover of ₹2,00,000 for new eligible accounts opened after 28 August 2018, subject to card-use rules
- Financial-inclusion access through branches and banking correspondents
Eligibility
- The scheme is for eligible unbanked individuals; account opening, and any BSBDA account-count rules apply.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- PMJDY/BSBDA account-opening form
- identity/address proof or the permitted simplified route
- Aadhaar seeding form where applicable
Related official documents
Pradhan Mantri Jan-Dhan Yojanaofficial-product-page-and-faq · current · accessed 1 Sept 2026
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