(i) For issuance of RuPay Debit card having inbuilt accident insurance cover of Rs.1 lakh;

(ii) For issuance of an overdraft facility of Rs.5000 after satisfactory operations in the account for some time. (Read in Hindi: प्रधानमंत्री जन धन योजना के तहत उपलब्‍ध सुविधाएं मौजूदा खाताधारकों को भी)

The plan (PMJDY) inter-alia, envisages Universal access to banking facilities under which all the six lakh villages across the entire country would be mapped, organised into Sub Service Areas (SSAs) of 1000-1500 households and allocated to the Banks to provide at least one fixed point Banking outlet in form of either a branch or a Business Correspondent (who is named as Bank Mitra).

The other components of the plan are providing at least one Basic Banking Account to each household with RuPay Debit card having inbuilt accident insurance cover of Rs.1 lakh; an overdraft facility of Rs.5000 after satisfactory operations in the account for six months. Further, an additional life insurance cover of Rs.30,000/- is also available to accounts opened up to 26th January, 2015, for which detailed modalities are being worked-out.

The Government has asked the banks to extend overdraft facility of Rs.5,000 as above to only one member, preferably lady of a house-hold.