Financial Inclusion

ID Proof required for Pradhan Mantri Jan Dhan Yojana

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

bank logo collage

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.
Abhay N

Author : 

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

    Contact via :
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  1. SK Mukherjee

    August 30, 2014 at 6:34 pm

    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 ?


    August 31, 2014 at 7:55 pm


  3. Deepanjan Banik

    September 1, 2014 at 8:02 am

    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. Deepanjan Banik

    September 1, 2014 at 8:04 am

    Sorry i didnt mention that i am talking about opening account in icici under jan dhan yojana.


    September 1, 2014 at 5:54 pm

    hello sir, can eligible if account holder age 70+

  6. ajaysinh gol

    September 1, 2014 at 8:45 pm

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

  7. ajaysinh gol

    September 1, 2014 at 8:49 pm

    What documents are required?

  8. surendra sharma

    September 2, 2014 at 1:48 am

    aadhar card


    September 3, 2014 at 10:08 am

    can i open join account.

  10. Ashok Kumar Behera

    September 3, 2014 at 3:51 pm

    I have only Voter ID Card, no more ID proof, can i open this Account.

  11. sanjeet singh

    September 3, 2014 at 4:09 pm

    Can i open
    an account everywere in india wethout local refrence?

  12. Sarabjit

    September 4, 2014 at 9:27 pm

    is adhar unique id is necessary to open bank account?

  13. Abul kasim

    September 4, 2014 at 11:24 pm

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


  14. Deepak

    September 5, 2014 at 10:00 am

    Im BCA studen. Mujhe loan melega kya padhai ke liye

  15. anil

    September 7, 2014 at 2:17 pm

    Can we get passbooks and chequebooks facilities under this scheme

  16. tayyab ansari

    September 7, 2014 at 4:23 pm

    namste sir mai jan dhan yojna ki jankari parapt karna chahta hoo only pan card se jan dhan acount open ho sakta hai

  17. Ansu Choudhary

    September 8, 2014 at 5:40 pm

    Sir west Bengal ke Burnpur me vote I D Card pe a/c porn form nahi de raha hai please Modi jee aap khuch action lijiye…..Thanks

  18. rajiv ranjan pandey

    September 8, 2014 at 5:40 pm

    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.

  19. Amit kumar gera

    September 8, 2014 at 10:35 pm

    Can a SB account be opened with only class ten mark sheet having photograph on it.kindly guide

  20. priya pandey

    September 11, 2014 at 3:42 pm

    provide correct online guidence to open PMJDY bank saving account

  21. manohar

    September 11, 2014 at 6:41 pm

    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.

  22. krupa sindhu raut

    September 12, 2014 at 1:46 pm

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


    September 12, 2014 at 2:08 pm

    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

  24. shikha

    September 16, 2014 at 3:00 am

    checkbook nahi de rahe hai

  25. vilas bhoi

    September 17, 2014 at 12:07 am

    mere gaw me jadha logoke pass adhr card nahi he to ky kare sir

  26. CI Noren

    September 20, 2014 at 9:42 pm

    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?

  27. naresh

    September 27, 2014 at 1:59 pm

    Hi I have been living in hyderabad but my home town is nizamabad. Can I open account in hyderabad.

  28. Amit

    October 10, 2014 at 12:05 pm

    i have been living in pune but my home town is latur can i open account in pune

  29. Bhoopendra Singh Sengar

    October 20, 2014 at 12:00 pm

    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

  30. saikiran

    October 29, 2014 at 11:58 am

    sir my native place is karimnagar now living in hyd can i open ac in hyd i have adhar and voter id cards

  31. Asraf

    November 1, 2014 at 6:03 pm

    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?

  32. Anil

    November 3, 2014 at 12:49 pm

    I have Id proof of UP and these days I reside in Haryana can I open an account in haryana.

  33. vikram singh

    November 5, 2014 at 4:46 pm

    I am student of 12th class. I have aadhar card in proof.can i open account PMJDY. Plz reply

  34. CB VERMA

    November 15, 2014 at 4:33 pm

    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 ?

  35. Ganesh

    November 1, 2015 at 4:03 pm

    Hello sir, I have a Account in SBI, I want open a account online, how can i open , Please advise me

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