PM Jan Dhan Yojana 2025: Get Free ₹1.3 Lakh Insurance (₹1 Lakh Accident + ₹30,000 Life Cover) — Full Benefits Guide

Introduction

The Pradhan Mantri Jan Dhan Yojana (PMJDY) is one of India’s biggest financial inclusion schemes, giving every citizen access to banking services, insurance, savings, and financial security. In 2025, Jan Dhan Yojana continues to offer its most powerful benefit: free insurance worth ₹1.3 lakh for every eligible account holder.
This includes:

• ₹1 lakh accidental insurance cover, and

• ₹30,000 life cover

In this complete guide, you will learn all benefits, eligibility, how to activate insurance, and how Jan Dhan Yojana can help secure your family financially.

What Is PM Jan Dhan Yojana 2025?

PMJDY is a zero-balance bank account scheme launched to ensure that every Indian household has access to a bank account. It comes with free services like a RuPay debit card, overdraft facility, insurance cover, and direct benefit transfer (DBT) from government schemes.

Even today, Jan Dhan accounts help crores of families receive subsidies, pensions, and other benefits directly into their bank accounts.

₹1.3 Lakh Free Insurance: What You Actually Get

Every PM Jan Dhan account holder receives the following two insurance benefits:

1. ₹1 Lakh Accidental Insurance Cover

Provided through RuPay Debit Card, this cover gives financial protection in case the account holder suffers an accidental death or permanent disability.

Key Points:

• Coverage amount: ₹1,00,000

• Linked to the use of the RuPay card

• Active card usage increases claim validity

• Covers accidental death, permanent disability, and partial disability (as per policy)

2. ₹30,000 Life Cover

This life cover provides financial help to the family of the account holder in case of natural or accidental death.

Key Points of PM Jan Dhan Yojana 2025 :

• Coverage amount: ₹30,000

• Applicable for the primary Jan Dhan account holder

• No premium required

• Family/nominee receives the amount after claim approval

Together, these offer a total of ₹1.3 lakh insurance, completely free.

Eligibility for Insurance Benefits for PM Jan Dhan Yojana 2025

To receive both insurance covers, the account holder must:

• Have an active PM Jan Dhan bank account

• Possess a RuPay debit card issued with the account

• Ensure the RuPay card is used at least once every 90 days (ATM withdrawal, balance check, POS use)

• Account must be KYC-complete

Basic KYC includes:

• Aadhaar

• PAN (if available)

• Photograph

• Address proof

How to Activate Your PM Jan Dhan Yojana 2025 Insurance Benefits

Follow these simple steps to activate or ensure your insurance benefits remain active:

1. Use your RuPay Card Regularly

Make sure you use your RuPay debit card at least once every 3 months.
You can do:

• ATM withdrawal

• Balance check

• Mini statement

• Swipe at any store

• Online payment

2. Complete Full KYC

Visit your bank and upgrade your account to a Full-KYC Jan Dhan account for full benefits.

3. Keep Your Account Active

Ensure at least one transaction every 6 months to avoid dormancy.

If the card and account stay active, your free insurance remains valid.

Other Powerful Benefits of PM Jan Dhan Yojana 2025

Along with the insurance cover, PMJDY offers several financial benefits:

1. Zero-Balance Account

You can open the account without depositing any money.

2. RuPay Debit Card

Enables ATM withdrawal, online payments, and access to accidental insurance.

3. Overdraft Facility (₹10,000)

Eligible account holders can get an overdraft loan from the bank without collateral.

4. Direct Benefit Transfer (DBT)

Receive government subsidies directly into your account:

• LPG Subsidy

• PM-KISAN

• Pensions

• Scholarships

5. Interest on Savings

Your balance earns interest like any savings account.

6. Mobile Banking Access

Easy transactions, balance checks, and fund transfers through mobile apps.

How to Open a PM Jan Dhan Account in 2025

NOTE-  Pradhan Mantri Jan Dhan Yojana

You can open a Jan Dhan account at any:

• Public sector bank

• Private bank branch

• Post office

Documents Required  for PM Jan Dhan Yojana 2025

• Aadhaar card

• PAN (optional)

• Passport-size photo

• Address proof

Visit your nearest bank and ask for a PM Jan Dhan Account opening form.

Who Should Open a Jan Dhan Account?

PMJDY is ideal for:

• Students

• Farmers

• Daily wage workers

• Senior citizens

• Homemakers

• Low-income families

• Anyone without an existing bank account

Final Thoughts

PM Jan Dhan Yojana 2025 continues to be one of India’s best schemes for financial security. The free ₹1.3 lakh insurance, along with banking facilities, makes it a must-have account for every Indian citizen. If you haven’t activated your RuPay card or completed your KYC, do it today to enjoy all benefits.

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