The biggest advantage of Jan Dhan khata is that it can be opened with zero balance and there is no need to maintain it. There are many other benefits of this , under Jan Dhan khata , you get Accidental insurance up to 1 lakh rupees for free , plus women are also given the facility of ₹ 10000 over draft , RuPay under Jan Dhan khata ATM card and check book are also arranged.