Pradhan Mantri Jan Dhan Yojana 2026

This scheme offers financial support to ex-servicemen or their widows to help care for a child with Read More... 100% disability. Read less

Details

The Raksha Mantri Ex-Servicemen Welfare Fund (RMEWF) has introduced a crucial scheme to support ex-servicemen and their families. This initiative focuses on providing financial assistance specifically for the care of children who have a 100% disability.

What Is This Scheme?

This scheme is designed to ease the financial burden on ex-servicemen (ESM) or their widows. It provides monthly financial aid for each child who is certified as 100% disabled. The aim is to ensure these children receive the necessary care and support.

Who Can Benefit From This Scheme?

The primary beneficiaries are ex-servicemen or their widows, especially those holding ranks up to Junior Commissioned Officer (JCO) or equivalent in the Navy and Air Force, and below. The key condition is that their child must have a 100% disability and the family should not be receiving similar benefits from any other government source.

Why This Scheme Is Important

Caring for a child with a severe disability can be challenging, both emotionally and financially. This scheme recognizes that need and aims to provide a steady financial resource. By offering Rs. 3000 per month per child, it helps families meet expenses related to the child's care, medical needs, and overall well-being, thereby contributing to their dignity and quality of life.

Objective

This scheme offers financial support to ex-servicemen or their widows to help care for a child with 100% disability.

Benefits

Basic Savings Bank Deposit Account (BSBDA)

Any Indian citizen eligible to open a regular bank account can open a BSBDA. Such an account does not require any minimum balance maintenance. The account holders can use both bank branches, ATMs and Banking Correspondents (BCs) for depositing and withdrawing cash. However, one cannot withdraw cash more than four times a month.

Small Account/Chota Khata

Under Jan Dhan Yojana, people can open small bank accounts without presenting legal documents. These accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to a continue for a further period of twelve more months, if the account-holder provides a document showing that he/she has applied for any of the Officially Valid Document, within 12 months of opening the small account.

RuPay Debit Card with inbuilt accident insurance

Under PMJDY, a free Rupay debit card, with inbuilt accident insurance cover of Rs.2 lakhs (Rs 1 lakh for accounts opened before 28.08.2018), is issued to all beneficiaries.

Overdraft Facility

Under PMJDY, beneficiaries can avail OD facility upto Rs. 10,000/-.

Business Correspondents (BCs)/Bank Mitras

BCs/Bank Mitras are retail agents engaged by banks for providing banking services at locations other than a bank branch/ATM. It is mainly meant for the rural areas, where bank branches are far-flung. BCs/Bank Mitras connect with the residents and guide them with banking solutions such as savings accounts, deposits, payments and withdrawals, mini account statements, etc. Banks with their strong network of BCs/Bank Mitras are providing hassle free services to the customers in remote / rural areas.

Sources and references

Guidelines

Eligibility Criteria

The child must be the legal offspring of the ex-serviceman or widow applying.
The ex-serviceman must have served in a rank up to Junior Commissioned Officer (JCO) or equivalent in the Navy/Air Force, or below.
The child must be certified as 100% disabled.
The applicant family must not be receiving any disability benefits for the child from any other official government agency.
The application needs to be recommended by the respective Zila Sainik Board (ZSB).

How To Apply

To apply for this financial assistance, you need to follow these steps:

Gather all the required documents, which must be attested by the Zila Sainik Welfare Officer (ZSWO).
Submit your application along with the attested documents to your local Zila Sainik Board (ZSB).
The ZSB will then recommend your application.
For the latest application forms and any specific submission details, it is advisable to contact your nearest Zila Sainik Board or visit the official website if available.

Documents Required

Make sure to attach copies of the following documents, all duly attested by the Zila Sainik Welfare Officer (ZSWO) when you submit your application:

A photocopy of the Discharge Book. Crucially, there must be an entry in the Discharge Book that mentions the child.
The Ex-Servicemen and Dependent Identity Card issued by the ZSB.
A certificate confirming 100% disability for the child, issued by a Military or Government hospital.
Your bank account details, including the Account Number and IFS Code. Please note that accounts in Punjab National Bank (PNB) or State Bank of India (SBI) are preferred.

FAQ’s

How often will I receive the financial assistance?

You will receive the financial assistance once a year. The amount is disbursed annually to eligible beneficiaries.

For how long is the benefit under this scheme valid?

The financial help is available for the child's lifetime. However, to keep receiving the benefit each year, you must submit a 'Life Certificate' and an updated 'Disability Certificate' in the government-approved format. These documents need to be sent through your Zila Sainik Board (ZSB) by January 15th each year for the grant to continue into the next financial year.

Can I apply if I'm already getting some other disability benefit for my child?

No, this scheme is specifically for those families who are not currently receiving any disability benefits for their child from any other official government agency. You must meet this condition to be eligible.

What rank of ex-serviceman is eligible for this scheme?

Ex-servicemen who held the rank of Junior Commissioned Officer (JCO) or equivalent in the Navy/Air Force, and those below this rank, are eligible to apply on behalf of their disabled child.

What is the exact amount of financial aid provided?

The scheme provides a financial assistance of Rs. 3,000 per month for each child who is 100% disabled. This amount is paid out on an annual basis.