Pradhan Mantri Jan Dhan Yojana | PMJDY खाता कैसे खोलें? &Gyanibaba.net, Pradhan Mantri Jan Dhan Yojana is a scheme launched with the aim of promoting financial inclusion, which provides financial services like a basic savings deposit account, money transfer, loan, insurance, pension etc. in an affordable way. Under this, a Basic Savings Bank Account (BSBD) can be opened by a bank or a Business Correspondent (Bank Mitra).