Dimapur, June 14 : The Finance Department in pursuance to the Ministry of Finance's direction informed all beneficiaries of Direct Benefit Transfer Schemes in the State who have opened Basic Savings Bank Deposit Account (BSBDA) under Pradhan Mantri Jan Dhan Yojana (PMJDY) as per the guidelines of the Reserve Bank of India is provided with the following minimum common facilities to all customers:
1. The accounts shall not have the requirement of any minimum balance.
2. The services available in the account will include deposit and withdrawal of cash at bank branch as well as ATMs; receipt/credit of money through electronic payment channel or by means of deposit/collection of cheques drawn by Central/State Government agencies and departments;
3. While there will be no limit on number of deposits than can be made in a month, account holders will be allowed a maximum of four withdrawals in a month, including ATM withdrawals; and
4. Facility of ATM card or ATM-cum-Debit Card.
In case of those persons who do not have any of the 'officially valid documents' as stipulated by RBI can open "small accounts" with banks. A "Small Account" can be opened on the basis of a self attested photograph and putting her/his signature or thumb print in the presence of an official of the bank. Such accounts have limitation regarding the aggregate credits (not more than Rupees one lakh in a year), aggregate withdrawals (not more than Rupees ten thousand in a month) and balance in the accounts (not more than Rupees fifty thousand at any point of time). These small accounts would be valid normally for a period of twelve months. Thereafter, such accounts would be allowed to continue for a further period of twelve more months, if the account holder provides a document showing that she/he has applied for any of the officially valid document within twelve months of opening the small account.
