Friends, in today’s post, we will get this information, how to open a zero balance bank account sitting at home? in a government or private bank, Since the problem of Covid-19, many people are not able to maintain their accounts, due to which they have to close their accounts or have to pay unnecessary charges to the bank, which no one likes quite a lot. There are also people who want to open an account, but due to the affair of maintenance, they are not able to open it. If you have any such problem then you have come to the right place today.
According to the Pradhan Mantri Jan Dhan Yojana, a zero balance account is opened, this scheme was done by the Prime Minister of our country, Shri Narendra Modi, on 15 August 2014, and this scheme has been started on 28 August 2014.
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How to open a zero balance account?
To open a zero balance account, you have to take your documents and go to the nearest government bank branch, even if you do not want to deposit any amount, your account will be opened. Otherwise, you will get the bank passbook on the next or the same day, you will have to apply atm.
Documents required to open a zero balance account.
Identity Proof: Aadhar Card, Voter ID Card, Driving License or Passport Any one of these, passport size photo, mobile number
Where is the zero balance account opened?
This account is opened for the poor and all the banks provide its facility, often this account is opened in all the government banks.
Also read: How To Open Zero Balance Account Online In SBI?
Benefits of Zero Balance Account?
In opening this account, you get all the facilities that are available in the normal account, but with some limits.
| facilities | Zero balance account | Normal account |
| Passbook | ✓ | ✓ |
| ATM | ✓ (Daily Limit Rs.10000) | ✓ (Daily Limit Rs.40000) |
| Cheque Book | ✘ | ✓ |
| Monthly Money Withdrawal | 100000 | Unlimited |
| Mobile Banking | ✓ | ✓ |
| net banking | ✓ | ✓ |
| NEFT/IMPS/UPI | ✓ | ✓ |
| RTGS | ✘ | ✓ |
| Loan | ✘ | ✓ |
Zero Balance Account Debit Card?
This account is under the ‘Pradhan Mantri Jan Dhan Yojana’, in this account you will be given Rupay Debit Card, whose daily withdrawal limit will be Rs 25000.
Zero balance Account facility?
Every bank provides a facility of zero balance, most of the government banks provide this facility, SBI and Bank of Baroda are ahead in this, you may already be a customer of this bank, if not, then get it opened.
Why Zero balance account be opened?
- If you are from a middle-class family and cannot open a normal account,
- If you do not do many transactions then this is for you only.
Why not open a zero-balance account?
This account is only for poor families, in which there are many congratulations, in this, you should not do transactions of more than 1 lakh, if you do then you will have to first upgrade your account, for which you will have to pay a charge, and in this, you will have to If the facility of doing chequebook or RTGS transaction is not available, then it is better not to open this account.
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