Government Schemes Benefits

Detailed information about PMJDY, PMJJBY, PMSBY, Atal Pension, and Rupay Card benefits

PMJDY

Jan Dhan Yojana

Zero Balance Account opening.
Free Rupay Debit Card with Accident Cover of Rs. 2 Lakh.
Overdraft facility up to Rs. 10,000.
Interest on deposited balance as per bank rates.
Life Insurance Cover of Rs. 30,000 (eligible accounts).

PMJJBY

Life Insurance Scheme

Life Insurance Cover of Rs. 2 Lakh.
Annual Premium is only Rs. 436 per annum.
Available for bank account holders in age group 18-50 years.
Auto-debit facility from bank account.
Simple claim settlement process for nominee.

PMSBY

Accident Insurance

Accidental Death & Disability Cover of Rs. 2 Lakh.
Annual Premium is only Rs. 20 per annum.
Available for age group 18-70 years.
Covers Partial Permanent Disability (Rs. 1 Lakh).
Renewable every year on 1st June.

APY

Pension Scheme

Fixed monthly pension after age of 60 years.
Pension slabs: Rs. 1,000 to Rs. 5,000 per month.
Government Co-contribution for 5 years (eligible subscribers).
Tax benefits under Section 80CCD.
Spouse automatically gets pension in case of death.

Rupay Card

Domestic Debit Card

Accepted at all ATMs, POS, and E-com sites in India.
Personal Accident Cover up to Rs. 10 Lakh (varies by card type).
Purchase Protection Insurance on lost goods.
Zero fuel surcharge at select petrol pumps.
Fraudulent liability protection (if reported timely).

DBT Info

Direct Benefit Transfer

Subsidies directly transferred to Bank Account.
LPG subsidy, MNREGA wages, Social Security pensions.
Requires Aadhaar linking with Bank Account.
Eliminates middlemen and leakages.
Real-time tracking of transactions via passbook.

Important Note

Benefits mentioned above are subject to terms and conditions set by the Government of India and participating Insurance/Pension companies. Please ensure your Aadhaar is linked to your bank account to avail seamless benefits under these schemes.