Jan Dhan Yojana — Amendments

Amendment	Year	Description	Impact
PMJDY Guidelines Amendment	2018	Increased overdraft limit from ₹5,000 to ₹10,000 and extended eligibility to all account holders after satisfactory operation for six months, removing earlier restrictions on one account per household for overdraft facility.	Enhanced credit access for PMJDY account holders and improved scheme attractiveness, leading to increased account activation and usage
RuPay Card Insurance Enhancement	2019	Enhanced accident insurance coverage terms and simplified claim procedures for RuPay cardholders, including coverage for partial disabilities and streamlined documentation requirements.	Improved insurance penetration and claim settlement efficiency, strengthening social protection aspect of financial inclusion