---
title: "what is the objective of the Pradhan Mantri Jan Dhan Yojna?"  
description: "what is the objective of the Pradhan Mantri Jan Dhan Yojna?"  
author: "Saddiya  Anwar"  
published: 2020-02-10  
canonical: https://answers.mindstick.com/qa/92670/what-is-the-objective-of-the-pradhan-mantri-jan-dhan-yojna  
category: "q&a categories"  
tags: ["general knowledge"]  
reading_time: 1 minute  

---

# what is the objective of the Pradhan Mantri Jan Dhan Yojna?

[State the objective](https://answers.mindstick.com/qa/92743/state-the-objective-of-smart-city-mission) of the [Pradhan Mantri](https://answers.mindstick.com/qa/92740/state-the-purpose-of-pradhan-mantri-awas-yojna) [Jan](https://yourviews.mindstick.com/story/3798/why-we-celebrate-26-jan-republic-day-of-india) Dhan Yojna.

## Answers

### Answer by Saddiya  Anwar

![what is the objective of the Pradhan Mantri Jan Dhan Yojna?](https://answers.mindstick.com/questionanswer/9218c7b1-ecaa-4c03-8c84-cb158c30e78b/images/9f607e5a-59ac-4e29-9c44-d9c0c12ec2eb.jpeg)\

Pradhan Mantri Jan Dhan Yojna launched on 28th of August 2014. Under this scheme, any individual above the age of 10 years and does not own a bank account can now open a bank account without depositing any money that is primary deposit. The scheme is designed to ensure access to financial services such as banking/ savings and deposit accounts, remittance, credit, debit cards, insurance and pension in affordable manner.

It targets mainly to the [people](https://answers.mindstick.com/qa/92658/comment-on-electoral-system-of-india) belonging to the below poverty line ( BPL) but is beneficial to everyone who does not have a bank account. The total balance in over 36.06 crore PMJDY accounts crossed Rs 1 trillion that is 1 lakh crore on 3rd July 2019. The zero balance accounts declined from 5.10 cr in March 2018 to 5.07 cr in March 2019. \
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