What is Pradhan Mantri Jan Dhan Yojana (PMJDY)?

PMJDY is a financial inclusion scheme offering zero-balance bank accounts with RuPay debit card, Rs10,000 overdraft facility, Rs1 lakh accident insurance, Rs30,000 life insurance, and direct benefit transfer linkage. Over 52 crore accounts opened. Foundation of India's DBT and digital payment ecosystem.