Executive Summary:
As of July 31, 2025, a total of 56.04 crore Jan Dhan accounts have been opened across the country. The Reserve Bank of India (RBI) guidelines state that accounts with no transactions for over two years are classified as inoperative. The government is undertaking measures, including a Gram Panchayat level Saturation Campaign from July 1, 2025, to September 30, 2025, to ensure the smooth functioning of these accounts.
Key Points / Main Content:
Jan Dhan Accounts Overview:
• Total number of Jan Dhan accounts opened in the country till July 31, 2025: 56.04 crore.
• State-wise details of Jan Dhan accounts and inoperative accounts are provided in the annexure.
• RBI Guidelines: A savings account is classified as inoperative/dormant if there are no transactions for over two years (as per RBI guidelines dated 18.02.2009).
Government Measures for Inoperative Accounts:
• Direct Benefit Transfer (DBT): Benefits of various government schemes are directly credited to bank accounts, including inactive PMJDY accounts.
• Account Holder Communication: Banks are required to inform account holders about accounts nearing inoperative status via letters, email, or SMS. They must also contact holders of inoperative accounts quarterly.
• Promotional Campaigns: The government launches campaigns to promote enrollment in schemes and activate inoperative accounts.
• Gram Panchayat Level Saturation Campaign: A campaign from 01.07.2025 to 30.09.2025 focuses on ReKYC of inactive PMJDY accounts.
Impact Analysis:
Account Holders:
Impact: Account holders with inactive Jan Dhan accounts may receive government benefits and are the target of ReKYC efforts.
Action Required: Account holders with inactive accounts should engage with bank communications (letters, email, SMS) and participate in the ReKYC process during the Saturation Campaign.
Banks:
Impact: Banks are responsible for identifying and communicating with holders of inoperative accounts, as well as facilitating the ReKYC process.
Action Required: Banks must inform account holders about the status of their accounts, participate in the Saturation Campaign, and facilitate ReKYC for inactive accounts.
Government:
Impact: The government aims to ensure the smooth functioning of Jan Dhan accounts, particularly those that are inactive, to facilitate the distribution of benefits.
Action Required: Continue launching promotional campaigns and overseeing the implementation of the Gram Panchayat Level Saturation Campaign.
Reserve Bank of India (RBI):
Impact: The RBI's guidelines on inoperative accounts are being implemented in the context of the Jan Dhan Yojana.
Action Required: No specific action is mentioned in the text, but the RBI's role is to provide regulatory guidance.
Key Entities Referenced
Jan Dhan accounts: A financial inclusion program in India aimed at providing access to banking services for all citizens.
Ministry of Finance: A ministry within the Government of India responsible for the country's finances.
Reserve Bank of India: The central bank of India, responsible for regulating the banking system.
PMJDY: Pradhan Mantri Jan Dhan Yojana, a National Mission for Financial Inclusion to ensure access to financial services, namely banking/ savings & deposit accounts, remittance, credit, insurance, pension in an affordable manner.
Direct Benefit Transfer DBT: A mechanism to transfer subsidies directly to beneficiaries through their bank accounts.
Gram Panchayat: A village-level local self-government institution in India.
Andhra Pradesh: A state in India.
Uttar Pradesh: A state in India.
GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
UNSTARRED QUESTION NO. †4090
ANSWERED ON MONDAY, AUGUST 18, 2025/ SRAVANA 27, 1947 (SAKA)
NUMBER OF JAN DHAN ACCOUNTS
†4090 SHRI DINESH CHANDRA YADAV:
SHRI GIRIDHARI YADAV:
Will the Minister of FINANCE to be pleased to state:
(a) the total number of Jan Dhan accounts across the country at present, State-wise;
(b) whether there have been no transactions in many of these accounts for years, State-wise
along with the number of such accounts; and
(c) whether the Government is taking any steps to ensure smooth functioning of such inactive
accounts by providing incentives to the beneficiaries of these accounts and if so, the details
thereof?
ANSWER
THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(SHRI PANKAJ CHAUDHARY)
(a) to (c): A total of 56.04 crore Jan Dhan accounts have been opened in the country till July 31,
2025. As per Reserve Bank of India (RBI) guidelines dated 18.02.2009, a savings account should
be treated as inoperative / dormant if there are no transactions in the account for over a period
of two years. The state wise details of the Jan Dhan accounts and inoperative accounts among
these are enclosed as annexure.
Government has taken various steps to ensure smooth functioning of PMJDY accounts eg.
i. Benefits of various schemes of Government, such as Direct Benefit Transfer (DBT) are
credited directly to bank account including the PMJDY account. These benefits are transferred
even to the inactive accounts.
ii. Banks inform account holders in writing through letters or email or SMS about the accounts
which are to become inactive and also contact the holder(s) of the inoperative accounts through
letters, email or SMS on a quarterly basis.
iii. The Government launches various specific campaigns from time to time for promotion of
enrolment under various schemes as well as for issues like activation of inoperative accounts.
Recently, a Gram Panchayat level Saturation Campaign has been launched from 01.07.2025
to 30.09.2025 across the country wherein Re-KYC of “inactive PMJDY accounts” is one of the
key focus activities of the campaign.******
Annexure as referred to in part (a and b) of the Lok Sabha Unstarred Q. No.
†4090 regarding “Number of Jan Dhan Accounts” due for answer on
18.08.2025
PMJDY Inoperative
SN. State/UT
Accounts accounts
1 Andaman And Nicobar Islands 63,077 13,113
2 Andhra Pradesh 1,61,05,492 43,54,421
3 Arunachal Pradesh 4,72,083 1,13,975
4 Assam 2,50,57,375 54,80,057
5 Bihar 6,47,91,296 1,39,00,934
6 Chandigarh 3,37,296 1,08,796
7 Chhattisgarh 1,83,80,644 34,63,630
8 Dadra and Nagar Haveli and Daman and Diu 2,41,979 87,246
9 Delhi 68,28,853 19,44,125
10 Goa 2,20,252 85,993
11 Gujarat 1,94,61,251 50,98,417
12 Haryana 1,07,34,203 29,70,165
13 Himachal Pradesh 20,10,197 4,96,869
14 Jammu And Kashmir 22,42,081 5,19,866
15 Jharkhand 1,98,73,299 47,83,888
16 Karnataka 2,08,09,443 54,01,586
17 Kerala 70,83,609 19,67,393
18 Ladakh 19,278 5,640
19 Lakshadweep 10,200 1,273
20 Madhya Pradesh 4,58,29,191 1,07,06,565
21 Maharashtra 3,66,74,956 80,60,103
22 Manipur 10,85,799 2,75,133
23 Meghalaya 8,73,313 2,02,814
24 Mizoram 4,20,390 55,765
25 Nagaland 4,10,654 81,441
26 Odisha 2,32,77,225 40,10,250
27 Puducherry 2,62,985 57,217
28 Punjab 95,67,204 27,27,019
29 Rajasthan 3,73,49,958 78,00,665
30 Sikkim 96,756 31,119
31 Tamil Nadu 1,77,69,122 39,25,412
32 Telangana 1,28,97,640 41,97,010
33 Tripura 11,34,844 1,72,290
34 Uttar Pradesh 9,98,47,121 2,75,04,107
35 Uttarakhand 39,19,740 10,13,150
36 West Bengal 5,42,25,684 88,35,398
Total 56,03,84,490 13,04,52,845