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If you have opened a bank account under the Pradhan Mantri Jan-Dhan Yojana, then there is an important news for you. The Reserve Bank (RBI) has made it clear that now a large number of Jan Dhan accounts need to update KYC (Know Your Customer) again.
RBI Governor Sanjay Malhotra said on Wednesday that on the occasion of completion of 10 years of Jan Dhan Scheme, accounts are being reviewed across the country and under this, KYC camps are being organized at the panchayat level from July 1 to September 30, 2025.
Why is re-KYC necessary?
Re-KYC means that you will have to update the personal and address related documents given earlier in your bank account (Jan Dhan account update). Its purpose is that the bank keeps correct and new data about you so that your account remains active and there is no problem in future.
Facility is being provided at Panchayat level
The RBI governor said that camps are being set up at the panchayat level so that Jan Dhan account holders living in rural areas do not need to go to the bank. Banks are now trying to provide doorstep service. In these camps, not only KYC but also facilities like opening new accounts, customer complaint resolution, micro insurance and pension scheme are being provided.
What is Jan Dhan Yojana and what are its benefits?
Pradhan Mantri Jan Dhan Yojana (PMJDY) is a government program aimed at connecting every citizen to banking. Under this, any person who does not already have a bank account can open a basic savings account without any minimum balance.
These benefits are available under this scheme:
- RuPay debit card is given with the account.
- Accidental insurance cover of up to Rs 2 lakh is available.
- It becomes easier to transfer money into the account and avail pension and subsidy.
- An account can be opened without visiting the bank branch through Bank Mitra or Business Correspondent.
More than 55.90 crore people joined this scheme
So far, more than 55.90 crore accounts have been opened under this scheme, which shows that it is one of the biggest financial inclusion programs in India. The PMO itself has said that the Jan Dhan Yojana has eliminated the gap between the poor and the banks and now even those people are a part of the banking system who were previously deprived of it.
More than 53 crore people got loan under Mudra Yojana
Along with the Jan Dhan Yojana, the government has also launched the Pradhan Mantri Mudra Yojana (PMMY), under which 53.85 crore loans worth more than Rs 35 lakh crore have been distributed so far. These loans help in small business, self-employment and increasing income. Under this scheme, a loan of up to Rs 20 lakh is available without any guarantee.
It is easy to claim bank lockers and property of deceased account holders
RBI has also announced that a simple and easy procedure is being introduced for the assets deposited in the lockers or banks of account holders who have passed away, so that their family members do not face any problem in claiming the same.
What should Jan Dhan account holders do?
If you have a Jan Dhan account then:
- Before 30 September 2025, go to the nearest camp and get your KYC done again.
- If there is no camp in your village or panchayat then contact your bank.
- Keep your ID and address proof like Aadhar card or Voter ID with you.
Crores of people associated with Jan Dhan Yojana have got a place in the world of banking. But now to maintain and improve this facility, it is necessary that KYC is updated on time. This will keep your account active, you will be able to take advantage of government schemes and your RuPay card will also keep working.
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