Which of the following are the features of Pradhan Mantri Jan Dhan Yojana? 1. Ensuring financial inclusion of the poor 2. Enhancing financial literacy 3. Provision for accidental insurance to account holders 4. Allowing bank accounts with zero balance Select the correct answer using the code given below:

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion to ensure access to financial services, namely, Banking/ Savings \& Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner. Account can be opened in any bank branch or Business Correspondent (Bank Mitr) outlet. PMJDY accounts are being opened with Zero balance. However, if the account-holder wishes to get cheque book, he/she will have to fulfill minimum balance criteria