ID Proof required for Pradhan Mantri Jan Dhan Yojana

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What type of Identification Proof and Address Proof needs to be submitted ?

  • The Reserve Bank of India has simplified KYC Guidelines and the documents needed to open a new bank account.
  • The following identification proofs can be used to open a new bank account.
    1. Voter id card,
    2. Driving license,
    3. Passport,
    4. PAN Card,
    5. Aadhaar Unique Id,
    6. NREGA Job card attested by State Government Official.

Which Banks are participating in Pradhan Mantri Jan Dhan Yojana ?

  • All private and public sector banks are a part of Pradhan Mantri Jan Dhan Yojana (PMJDY)
  • Given below is a list of India’s biggest Banks.

Some of India’s large Nationalised banks are taking part in PMJDY. They are:

  1. Bank of Baroda
  2. Bank of India
  3. Canara Bank
  4. Corporation Bank
  5. IDBI Bank
  6. Indian Bank
  7. Punjab National Bank
  8. Union Bank of India
  9. State Bank of India & it’s affiliates.
  10. Oriental Bank of Commerce

Top Private-sector banks taking part in PMJDY are : 

  1. Axis Bank
  2. Federal Bank
  3. HDFC Bank
  4. ICICI Bank
  5. IndusInd Bank
  6. ING Vysya Bank
  7. Karnataka Bank
  8. Kotak Mahindra Bank
  9. YES Bank
  10. Dhanalakshmi Bank

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Will you be issued a Cheque book, pass book ?

  • This also varies from bank to bank , some banks have announced that a limited number of people will get cheque books and pass books.
  • The majority of the accounts will have limited features and may not be eligible for these facilities.
  • Additional facilities like Cheque Book, Pass Book and Overdraft facilities will be provided over time by the bank if they are satisfied with how you maintain your bank account.
  • Maintaining a high bank balance and carrying out regular transactions by depositing money and withdrawing it from ATM’s through your Rupay Debit Cards will make you eligible for these facilities quickly.

Can you open a bank account without any officially valid id documents ?

  • Yes you can open an account without any valid id proofs , but these accounts will be limited in functionality. Accounts opened without any id proof are categorized as “Small Accounts” and can be opened by submitting a self attested photograph along with signature / thumb impression .
  • Small Accounts have limitations and will not be provided cheque book facilities and it’s balance cannot exceed Rs 100,000 and withdrawals cannot be more than Rs 10,000 per month.
  • Customers who open Small Accounts without id proof have to submit address proof documents within 6 months of opening the account.
  • Small accounts will be valid for upto 12 months and this type of account is created only for illiterate persons such as tribals who do not have any address proof documents so that they can avail government benefits such as LPG subsidy, etc.

Author: Abhay N

Abhay is the founder and managing editor of India Microfinance. He is passionate about microfinance, financial inclusion and social entrepreneurship in India.

35 thoughts on “ID Proof required for Pradhan Mantri Jan Dhan Yojana”

  1. Can an ORPHAN MINOR WITHOUT Age Proof / Address Proof/ Voter ID Card/ Driving Licence/ Aadhar Card etc. reap the benefit of opening a Bank SB A/c under the Prime Minister’s Jan Dhan Yojana ? Can someone help ?


  3. Hello Abhay, is it possible to open account with the help of pan card and an existing sbi passbook for address proof, as my voter id address is not correct………..plz reply

  4. -Can be open account as a zero balance?
    -When Passbook & atm given us and what conditions are that?
    Reply send on my email urgent..

  5. I am not 18 years old. I am a student of class 11 can I open this account .I do not have adhaar card


  6. Central Bank of India , Kirti nagar , new delhi , has denied to open the account under PMJDY by saying that whether you have account in any bank and any place of India , we will not open your account here .
    what action can we take.

  7. namaste sir kya jan dhan yojna ke antergat account kholnekeliye customer care centers per paise dena padega?mh ballarpur me logese cutomer care service wale 50 rupai mang rahe hai state bank of india wale.

  8. I am now in Mumbai. Permanent address is odisha janjam . I have voterID PAN card Adhar Card , l can open an account?

  9. hello sir,
    maine oriental bank mai account open karwana hai , iske liye mere pass id proof hai (driving license,pan card,ration card) lakin bank wale adhar card mag rahe hai jo ki mere pass nahi hai to kya mera account in ide mai se nahi kolega pls sir help me not ignore

  10. United Bank of India is not in the list of
    Banks where PMJDY ca be opened. If we want to open a new account in this Bank under PMJDY, Is there any problem?

  11. I have only pan card and driving liscense can i open a/c in axis bank any branch of new delhi under pradhan mantri jan dhan yojna

  12. United Bank of India is not in the list of
    Banks where PMJDY ca be opened. If we want to open a new account in this Bank under PMJDY, Is there any problem?

  13. I wanted to open account in SBI Dwarka Mor. They said that I should go to the nearest SBI Brahcn. I went to nearest SBI Branch Sec-3 NSIT Campus, they refused to open account of my wife saying that this scheme is only for poor. Is it so ?

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