Salient Features
- Ensures universal access to banking services.
- Provides interoperability via RuPay Debit Card or Aadhaar-enabled Payment Systems (AePS). PMJDY accounts are eligible for Direct Benefit Transfers (DBT), PMJJBY, PMSBY, MUDRA, and Atal Pension Scheme benefits.
- Beneficiaries: Households with no prior bank account.
- Implementing Authority: Department of Financial Services.