- The following identification proofs can be used to open a new bank account. a. Voter id card, b. Driving license, c. Passport, d. PAN Card, d. Aadhaar Unique Id, e. 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:
Top Private-sector banks taking part in PMJDY are :
Will you be issued a Cheque book, passbook?
This also varies from bank to bank, some banks have announced that a limited number of people will get checkbooks and passbook. 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 a signature/thumb impression. Small Accounts have limitations and will not be provided cheque book facilities and its 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 up to 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.
