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Pradhan Mantri Jan Dhan Yojana (PMJDY) | IBEF

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Govt Reveals 15 Crore Jan Dhan Accounts Currently Inoperative

NEW DELHI — The Government of India has released crucial data regarding the operational status of bank accounts opened under its flagship financial inclusion scheme. Minister of State for Finance Pankaj Chaudhary officially stated that approximately 15.09 crore Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts are currently inoperative. This figure represents about 26 percent of the total 57.07 crore Jan Dhan accounts across the country. The Minister provided these details in a written reply to the Lok Sabha on Monday.

Jan Dhan Accounts: Understanding the Scope of Inactivity

Minister Chaudhary clarified the scale of the issue. Out of the total 57.07 crore accounts opened to bring the unbanked into the financial system, a significant portion remains dormant. Banks classify an account as 'inoperative' if it sees no customer-induced transactions for over two years. However, the government does not centrally maintain specific data regarding the gender or rural-urban distribution of these closed accounts. This clarification highlights the need for continued financial literacy efforts to encourage regular account usage among beneficiaries.

Financial Inclusion Beyond Basic Accounts

The Minister also shared robust data on other financial inclusion initiatives. Furthermore, he updated the House on the Kisan Credit Card (KCC) scheme. As of September 30, 2025, banks manage a total of 7.81 crore KCC accounts. These accounts hold a massive outstanding amount of ₹10.39 lakh crore. Specifically, public sector banks (PSBs) handle 2.22 crore of these accounts, managing an outstanding sum of ₹4.19 lakh crore. This data confirms the banking sector's deep penetration into the agricultural economy.

Progress in Credit and Digital Payments

Chaudhary also highlighted the success of credit schemes for entrepreneurs. Under the Stand-up India Scheme, banks have sanctioned 2.75 lakh loans. These loans amount to ₹62,791 crore. Public sector banks sanctioned a major chunk of this, approving 2.28 lakh loans worth ₹51,191 crore. Additionally, the Pradhan Mantri Mudra Yojana continues to support small businesses. Banks have disbursed ₹2.54 lakh crore till October in the current financial year (2025-26). Finally, the Minister cited global recognition for India's digital prowess. He noted that the International Monetary Fund (IMF) recently recognised the Unified Payments Interface (UPI). The IMF report identifies UPI as the world's largest retail fast-payment system by transaction volume. Moreover, an ACI Worldwide report attributes a 49 percent share of global real-time payment volume to UPI. This underscores India's dominance in the global digital payment landscape.

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Jan Dhan Yojana Success Stories: How the PMJDY is Uplifting the Underserved

The Pradhan Mantri Jan Dhan Yojana is transforming lives, offering financial access to millions through zero-balance accounts, insurance, and direct benefit transfers. These success stories showcase how the PMJDY Scheme is empowering individuals to secure their financial futures. From enabling small businesses to supporting rural households, the Jan Dhan Yojana is closing the gap in financial inclusion.

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(via Pradhan Mantri Jan Dhan Yojana (PMJDY))

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PMJDY Aadhaar Link:जन धन खाते आणि आधार कार्ड लवकरात लवकर लिंक करा फायदे जाणून घ्या

PMJDY Aadhaar Link:जन धन खाते आणि आधार कार्ड लवकरात लवकर लिंक करा फायदे जाणून घ्या

PMJDY Aadhaar Link:जन धन खाते आणि आधार कार्ड लवकरात लवकर लिंक करा फायदे जाणून घ्या पंतप्रधान मोदी यांनी सन 2014 मध्ये प्रधानमंत्री जन धन योजना सुरू केली. या योजनेच्या माध्यमातून सरकारने देशातील प्रत्येक वर्गाला बँकिंग व्यवस्थेशी जोडण्याचा प्रयत्न केला आहे. पूर्वी देशातील एक मोठा वर्ग होता जो बँकिंग व्यवस्थेशी जोडलेला नव्हता, परंतु, या योजनेच्या सुरुवातीपासून, आता जवळपास प्रत्येक देशवासीयांचे बँक…

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SBI के ग्राहक ध्यान दें! बैंक अपने ग्राहकों को दे रहा है 2 लाख रुपये तक का फ्री बेनिफिट्स, बस करना है ये छोटा सा काम

SBI के ग्राहक ध्यान दें! बैंक अपने ग्राहकों को दे रहा है 2 लाख रुपये तक का फ्री बेनिफिट्स, बस करना है ये छोटा सा काम

SBI के ग्राहक ध्यान दें! बैंक अपने ग्राहकों को दे रहा है 2 लाख रुपये तक का फ्री बेनिफिट्स, बस करना है ये छोटा सा काम SBI : प्रधानमंत्री जन धन योजना (PMJDY) के तहत सरकार आर्थिक रूप से कमजोर लोगों को बैंकिंग प्रणाली से जुड़ने का मौका देती है। यह खाता आप किसी भी सरकारी बैंक या पोस्ट ऑफिस में खुलवा सकते हैं। देश का सबसे बड़ा सार्वजनिक क्षेत्र का बैंक भारतीय स्टेट बैंक (State Bank of India) अपने…

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