<h1>Government Expands PMJDY Benefits: RuPay Card, Insurance, and Overdraft Now Available for Existing Account Holders.</h1> The government has decided to extend facilities under the Pradhan Mantri Jan Dhan Yojana (PMJDY) to existing account holders upon application. These include the issuance of a RuPay Debit card with a Rs. 1 lakh accident insurance cover and an overdraft facility of Rs. 5,000 after satisfactory account operations. The PMJDY aims for universal banking access, mapping six lakh villages into Sub Service Areas with banking outlets. Each household is to receive a basic account with these benefits, and accounts opened by January 26, 2015, will also receive a Rs. 30,000 life insurance cover. The overdraft facility is preferably for one household member, ideally a woman.