Pradhan Mantri Jan-Dhan Yojana

A bank Mitra serves as a pivotal representative of a bank, especially authorised to deliver basic banking functions in regions lacking bank branches or ATMs, targetting both rural and urban demographics.

• Educating the community about banking products, offering debt counselling, and imparting advise on financial management to foster awareness.
• Educating the community about banking products, offering debt counselling, and imparting advise on financial management to foster awareness.
• Handling the initial collection and processing of various application forms related to deposits, thereby simplifying the Jan Dhan Account opening online process.
• Conducting preliminary verification of the information provided by customers, ensuring accuracy right from the start.
• Assisting in the completion of applications and account opening forms, facilitating the PMJDY account opening online.
• Managing the collection and disbursement of small-scale deposits and withdrawals, making banking accessible at the grassroots level.
• Processing and executing small-value remittances and other payment instructions with

Click here to view the new interest rate of Savings Account.

Basic Savings Bank Deposit Account facilities offered at no extra cost:

• No minimum balance requirement
• Deposit and withdrawal of cash at bank branch as well as ATMs
• Receipt/Credit of money through electronic payment channels or by means of collection/deposit of cheques
• 4 withdrawals a month (including ATM withdrawals) and unlimited deposits
• ATM or ATM-cum-Debit card

Under Pradhan Mantri Jan-Dhan Yojana, in case of no officially valid documents available, you can open a Small Account using self-attested photograph and signature or thumb print put in the presence of an official of the bank.

• Aggregate credits – not more than Rs. 1 Lakh in a year
• Aggregate withdrawals – not more than Rs. 10,000 in a month
• Account balance – Not more than Rs. 50,000 at any point of time

Small Account will be valid for 12 months, post which it will be allowed to continue for 12 more months, if you provide a document ascertaining that you have applied for any of the officially valid documents within 12 months of opening your account.

Account under Pradhan Mantri Jan-Dhan Yojana is a zero-balance account, with chequebook available in case the minimum balance requirement of the bank is fulfilled.
Overdraft facility of upto Rs. 5,000, available to only 1 account holder per household, preferably the lady; if account is satisfactorily maintained for 6 months. Aadhaar number or declaration from the beneficiary is required to avail of this facility.

RuPay Debit Card is an indigenous debit card introduced by the National Payment Corporations of India (NPCI). It is accepted at all ATMs (for cash withdrawal) and at most of the Point of Sale machines (for making cashless payments for purchases) in the country.
RuPay Debit Card can be issued for an existing account, if no new account is created under Pradhan Mantri Jan-Dhan Yojana. Credit facilities will be available to this account if it is being operated satisfactorily.
RuPay Debit Card can also be issued for customers who cannot read and write, provided the bank manager informs them of all the risks, at the time of issuance.
Tips to remember:

• Apply for a new card before the expiry date mentioned on the card.
• Keep PIN used to carry out transactions secure and do not share it with anybody. Never write it on the card.

Accidental insurance cover of Rs. 1 Lakh and life insurance cover of Rs. 30,000 available to all account holders, at no charge or premium.
Accidental insurance available only if card is used at least once in 45 days; and in case you own multiple accounts, accidental insurance is offered on only one account.

• Claims process for accidental insurance
• Claims process for life insurance

Axis Mobile App provides an mPIN facility to keep all your transactions secure. As an added verification, provide authentication through your Internet Banking or Debit Card credentials to use any feature on the Axis Mobile App. Click here to know more.

Easily transfer the account from one branch of the bank to another, in any city or town, as per your needs and choice.

Click here  for Complaints and Grievance Redressal.