No, you can only have one PMJDY account. If you already have one and wish to open a Basic Saving Bank Account or another PMJDY account with a different bank, you must close your existing account within 30 days of opening the new one.

A 'Small Account' can be opened if you don't have any 'Officially Valid Documents'. You'll need a self-attested photograph and your signature or thumbprint in front of a bank official. These accounts have limits on how much you can deposit (up to Rs. 1 lakh yearly), withdraw (up to Rs. 10,000 monthly), and the balance you can keep (up to Rs. 50,000 at any time). These accounts are valid for 12 months and can be extended for another 12 months if you apply for official documents within the first year.

No, PMJDY accounts are zero-balance accounts, meaning you don't need to maintain any minimum balance.

Even without officially valid documents, you can still open a 'Small Account'. You'll need a self-attested photograph and your signature or thumbprint in the bank official's presence. However, these accounts have certain limits on deposits and withdrawals, as mentioned earlier.

Yes, you can easily transfer your PMJDY account from one city or state to another because all banks use Core Banking Solutions. Just inform your bank about your need to transfer.

There is no specific exit age for this scheme. Minors above ten years can open an account with their guardian's support.

All PMJDY accounts come with a RuPay Debit Card that includes an inbuilt accident insurance cover of Rs. 2 lakhs. For accounts opened before August 28, 2018, the accidental insurance cover is Rs. 1 lakh.

Yes, illiterate account holders can also get a RuPay Card. Bank officials will guide them on how to use the card safely at the time of issuance.

A Bank Mitr, also known as a Business Correspondent, is an agent appointed by banks to provide banking services in locations where a bank branch is not easily accessible. They help expand the bank's reach to rural and remote areas.

No, there are no processing fees charged for the overdraft facility.

A cheque book is not a mandatory feature of PMJDY accounts. However, banks may offer additional services like cheque books based on their own norms and if you meet their criteria.

Eligible account holders can avail an overdraft facility of up to Rs. 10,000. This can be extended by the bank if you maintain a good account conduct and make timely repayments.

You can link your mobile number by contacting the bank branch where you have your PMJDY account. The bank will update your number in their Core Banking Solution (CBS) system.

Yes, you can open a joint account under the PMJDY scheme.

You need your AADHAAR Card, a Government ID proof (like Voter Card or PAN Card), Proof of Address (like Passport or Driving License), a passport-size photograph, and a completed PMJDY account opening form. Any other document specified by the Central Government may also be required.

A PoS (Point of Sale) machine is a device used at shops and businesses to allow cashless payments using debit or credit cards.

You will receive interest on your savings account at the rate applicable to regular savings accounts.

Yes, your account opened under the PMJDY scheme does provide mobile banking facilities.

Yes, minors are eligible to receive RuPay Cards and can use them for cash withdrawals up to four times a month.

Yes, you can update your address. You can do this by providing a self-declaration or submitting supporting documents to the bank.