Pradhan Mantri Jan Dhan Yojana Ke Fayde Nuksan

         
  
prandhan mantri jan dhan yojana benefis
जान धन योजना नुकसान और फायदे 
 

  
 INTRODUCTION- JAN DHAN YOJANA
Prashanmantri Jan Dhan Yojana ki suruwat 28 August 2014 ko huyi. Jiske tahat , jis bhi Bharatwasi ka ek bhi bank me khata nahi hai ,unse iss yojana ke tahat free me khata kholne ki anurodh kiya gaya hai. 

Ye bhi jane:-
*Krise Sinchayi Yojana in hindi

*Kaushal Vikas Yojana in Hindi



 

            FEATURES-JAN DHAN YOJANA 

1. Zero Balance Suwidha- Garibon ko dhyan me rakhte huye, khata dharakon ko bina kisi sulk ke khata kholne ki suvidha diya ja raha hai.

2. Loan Suvidha- PMJDY ke antargat khatadhari ko 6 mahine ke antaral me Rs. 5000/-  tak ki rasi loan ke taur par sidhe bank se le sakta hai.

3. Jeevan Bima - PMJDY ke antargat khata dharakon ko Rs. 30,000/- ki kam se kam rasi ka jeevan bima diya jayega, iske sath 1 lakh ka accidental bima diya jayega.

4. Rupay Card- Yah card dushre ATM card ki tarah hi kaam karta hai. Iss card ke jariye khatadharak kisi bhi bank ke ATM machine se rupaye nikal sakte hain, Iss card ki manyata kewal bharat tak hi simit hai aur aap ek din me 1000 se jyada ki rasi nahi nikal sakte.

5. Chota khata- Agar aapke paas koi praman patra nahi hai tab bhi aap iss yojana ka labh utha sakte hain. Iske liye aapko gajeted officer dwara satyapit praman patra bank me jama karwakar khata khola jaa sakta hai jisse low risk account kehte hai. Iski samay sima 1 saal ki hogi, Iss 1 saal ke ander khatadhari ko pehchan patra jama karni hogi.

6. Age- PMJDY ke antargat 10 saal se adhik umra walon ka khata khola ja sakta hai.

7. Khata type badle - Agar koi apna khata jan dhan yojna me transfer karna chahta hai to wah kar sakta hai. Jisse wah iss yojana ke sare labh utha sakta hai.

                       KAISE KARE APPLY

1. Aapke pas ek id proof hona chahiye.
2. 10 saal se adhik hona chahiye.
3. Ye sabhi chijon ko lekar bank jaye aur application form bhare, aapka account khul jayega.

*Application form download karne ke liye niche diye gaye link par click kare
DOWNLOAD JAN DHAN YOJANA APPLICATION FORM



               DEMERITS (नुकसान )-JAN DHAN YOJANA




1. PMJDY Rupay Card ATM istemaal karne ke liye deti hai, jisme 1 din me kewal Rs.10000/- hi nikal sakte hain.

2. Branch se aap ek din me Rs. 20,000/- se jyada nahi nikal sakte.

3. Aapka khata transfer nahi hoga, Agar aap kahi shift ho rahe hai tab bhi aapka khata transfer nahi kiya jayega. Ye iss yojana ki sabse badi kamjori hai.

4. Rupay Card ka istemal aap India ke bahar nahi kar sakte aur Internet se shopping bhi nahi kar sakte.

5. PMJDY ma abhi tak 30,000 logon se jyada logon ko ATM card nahi di gayi hai , aur passbook bhi nahi di gayi hai ,passbook ke taur par unhe ek kagaj ka chitta thama diya jata hai jisme account ka address aur photo rehta hai.

                                     QUICK VIEW

Name               - Pradhan Mantri Jan Dhan Yojana 

Date of Issue    -    24 August 2014

Uddeshya        -   Muft me garibon ka khata kholna.

Fayde               -  jeevan bima 30000 and accidental 1 lakh ka.

Age limit        - 10 saal se upar .

Nuksan           - ATM facility kharab, khata transfer nahi hogi,1 din me 10,000 se jyada nahi nikal sakte etc.

Aur agar aapko PMJFY ke bare me jankari chahiye to aap SBI ke tollfree no 18004253800 par sanpark kar sakte hai. 8 am -8 pm Monday to Saturday.

Ye bhi jane :-
*Gold Monetisation Scheme in hindi

*Kapur ke 6 behtarin fayde

*Nali ghaw bimari ko thik kare

*Mobile se music banaye tune kare


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