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PMJDY under the National Mission for Financial Inclusion was launched initially for a period of four years on 15th August 2014. It envisages universal access to banking facilities with at least one basic banking account for every household, financial literacy, access to credit, insurance and pension.

PMJDY has provided a platform for the three social security schemes viz. Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY).

The government has decided to extend the comprehensive PMJDY programme beyond 28th August 2018 with the change in focus from “every household” to “every adult”.

Opening of Basic Savings Bank Deposit Accounts and Small Accounts:

We are opening PMJDY accounts through BC Points (Business Correspondents/Bank Mitras) as well as through branches. All our branches have been issued with latest guidelines of the scheme. RBI guidelines to display the features of Basic Savings Bank Deposit Account (BSBDA) and Basic Savings Bank Deposit Small Accounts (BSBDS) including relaxed KYC documents have been followed by branches.

Key Features of PMJDY accounts