RBI has taken a big and historic decision for Zero-Balance i.e. BSBD (Basic Savings Bank Deposit) Account Holders. Now the scope of facilities available to BSBD Accounts has been expanded, due to which these accounts will now provide facilities like full-featured Savings Account – that too without any minimum balance and no additional charges. Under the new rules, now you can deposit cash in Zero-Balance account as many times as you want, there will be no limit on this. Besides, the facility to order money online or by cheque will also be provided. This will provide great relief to students, financially weak people and those using basic banking. Customers will now get ATM or ATM-cum-Debit Card without any annual charge. Apart from this, check book of at least 25 pages in a year, free internet banking, free mobile banking, and free passbook or monthly statement will also be made available. To withdraw cash, customers will get at least 4 free withdrawals every month. The special thing is that digital transactions—UPI, NEFT, RTGS, IMPS, PoS—will not be counted in the limit of these four free withdrawals. The most important change is that banks will no longer be able to discriminate against BSBD account holders, and will have to provide them the same facilities as other customers.

If you have a Jan Dhan account and it was opened in 2014-2015, then this news is very important for you! According to the banking rules, RE-KYC is mandatory for the accounts that have completed 10 years. In such a situation, there is a danger of closure on about 10 crore Jan Dhan accounts. 30 September 2025 is the last date for re-KYC. In this process, you only have to get your old information – like name, address, and photo – update. This process is easy and can also be completed under the KYC campaign going on at the bank branch or panchayat level. By getting RE-KYC, your account will be active and you will be able to take advantage of services like banking facilities like insurance, pension, sending and savings. The purpose of Jandhan Yojana will be aimed at linking every poor and rural person with banking system-do not let it be closed, get re-kyc on time!