The Government of India has made a big announcement under the Pradhan Mantri Jan Dhan Yojana (PMJDY) in 2025. From October 2025, crores of Jan Dhan account holders will get a direct credit of ₹10,000 in their bank accounts. This move is aimed at helping poor families, women, farmers, and daily wage workers by giving them immediate financial support.
What is PM Jan Dhan Yojana?
The PMJDY scheme was started in 2014 to give every Indian access to a bank account. It is known as the largest financial inclusion program in the world. People under this scheme get:
- A zero-balance account
- A RuPay debit card
- Insurance cover
- Facility to receive subsidies directly in the account
Now in 2025, the scheme has been updated to provide direct cash assistance of ₹10,000 to eligible families.
Key Features of PMJDY 2025
- ₹10,000 direct credit for eligible account holders.
- Zero balance account, no need to maintain minimum balance.
- Free RuPay debit card with insurance coverage up to ₹2 lakh.
- Overdraft facility up to ₹10,000 for account holders.
- Coverage for both urban and rural households.
- All government subsidies will continue to be routed through Jan Dhan accounts.
Who Can Get the ₹10,000 Benefit?
To receive the direct credit under the 2025 update, you must:
- Have an active Jan Dhan account.
- Belong to a low-income family.
- Have completed Aadhaar linking and KYC verification.
- Ensure your account has been working for the last 6 months.
How to Get the Direct Credit
If you already have a Jan Dhan account, no separate application is needed. The government will automatically transfer the money.
For new account holders:
- Visit your nearest bank branch.
- Carry Aadhaar card, PAN (if available), and ID proof.
- Complete KYC and biometric verification.
- Get your RuPay debit card to access the money.
Facts vs Rumors
Facts:
- ₹10,000 direct credit is confirmed under the 2025 PMJDY update.
- No charges will be deducted from this credit.
- Insurance and overdraft benefits remain unchanged.
Rumors:
- Claims of ₹25,000 credit are false.
- No need to pay any middleman – money will be transferred directly by the government.
- News of scheme closure in 2026 is not official.
Impact of the Update
The ₹10,000 direct benefit will:
- Provide immediate cash support to poor families.
- Boost spending in rural areas, supporting local businesses.
- Strengthen women’s financial independence.
- Push more people towards banking and digital payments.
Conclusion
The PM Jan Dhan Yojana 2025 update is a major step to support India’s weaker sections. With ₹10,000 direct transfer, insurance cover, overdraft option, and zero-balance banking, this scheme remains a strong pillar of financial inclusion. Citizens should keep their accounts active, update KYC, and be alert against fraud. This move will not only provide relief to families but also give a boost to the overall economy.
FAQs
When will the ₹10,000 credit be given?
The transfer will begin in October 2025 in phases.
Do I need to apply for the benefit?
No, if you already have a Jan Dhan account with updated KYC, the credit will be sent directly.
Can I withdraw the money immediately?
Yes, the ₹10,000 can be withdrawn through ATM, bank branch, or used via RuPay debit card.
Who is eligible for this scheme?
All active Jan Dhan account holders from low-income families with Aadhaar-linked accounts are eligible.
Is there any fee for this benefit?
No, there are no fees or charges. The government will directly credit the amount.