Parliament Question: Pradhan Mantri Jan Dhan Yojana

GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 5834 ANSWERED ON MONDAY, 30 MARCH, 2026 / CHAITRA 09, 1948 (SAKA) Pradhan Mantri Jan Dhan Yojana †5834. SHRI HANUMAN BENIWAL: Will the Minister of FINANCE be pleased to state: (a) whether the Government is aware of the fact that several private banks hesitate or avoid opening accounts or accepting applications under the Pradhan Mantri Jan Dhan Yojana, insurance schemes and pension schemes, thereby depriving the general public of the benefits of Government schemes; (b) if so, the share of private banks among the beneficiaries of Government schemes in Rajasthan, bank-wise and district-wise including Nagaur and Didwana-Kuchaman; (c) whether the Government is aware that many private banks show apathy in providing benefits of these schemes to rural and vulnerable sections or reject applications citing technical/procedural reasons; and (d) if so, the steps taken by the Government to compel private banks to effectively implement these schemes and ensure benefits to the common people? ANSWER THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY) (a) to (d) The Government initiated the National Mission for Financial Inclusion (NMFI), namely the Pradhan Mantri Jan Dhan Yojana (PMJDY) in August, 2014 to provide universal banking services for every unbanked household based on the guiding principles of banking the unbanked, securing the unsecured and funding the unfunded. To give further impetus to financial inclusion initiatives of the Government, PMJDY was extended beyond 14.08.2018 and the focus was shifted to “every unbanked adult” instead of “every household”. Beneficiaries of different Government schemes are being given benefits directly in their bank accounts, including PMJDY accounts. The number of beneficiaries of PMJDY, Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) inRajasthan, Bank-wise and District-wise, including Nagaur and Didwana-Kuchaman District, is at Annexure-I and II respectively. To ensure accessibility of these Schemes to women, rural population, marginalised groups and underprivileged communities in the country, various steps are being taken: i. Allocation of indicative targets to all banks under each scheme; ii. Holding of various camps and specialised campaigns to promote awareness; iii. Periodic review of performance of banks etc; All banks, including private banks, participate in these schemes and activities to ensure their effectiveness and make them accessible to all stakeholders. Additionally, a review mechanism is in place to regularly monitor the implementation and effectiveness of these Schemes with Banks and other relevant stakeholders. Further, customers can approach customer care numbers and online portals of Banks for any assistance / grievances and in addition, customers can directly address their issues to the concerned Bank Branches. The Board of Directors of individual Banks lays down appropriate grievance redressal mechanism within the organization to resolve customer grievances. If grievances, involving deficiency in services rendered by entities regulated by RBI, are not resolved to the satisfaction of the customers or not replied to within a period of 30 days by the regulated entity, the customer can approach the “Reserve Bank – Integrated Ombudsman Scheme, 2021” that provides cost-free redressal of complaints. The Government of India has a web-based portal i.e. Centralized Public Grievance Redressal and Monitoring System (CPGRAM) wherein citizens can also file their grievances. ******Annexure-I Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. †5834 due for answer on 30.03.2026 Beneficiaries of FI Schemes in Rajasthan: Major Private Bank-wise PMJDY PMJJBY PMSBY APY S. Bank (as on (as on (as on (as on No. 11.03.2026) 04.03.2026) 04.03.2026) 21.03.2026) Axis Bank Ltd 1 80,313 20,590 75,692 30,856 City Union Bank 2 Ltd 524 488 680 597 Federal Bank Ltd 3 2,225 1,117 2,258 1,487 HDFC Bank Ltd 4 4,26,375 1,00,810 4,61,413 59,665 ICICI Bank Ltd 5 9,10,452 36,875 5,27,618 62,889 IDBI Bank Ltd. 6 82,812 55,039 1,17,075 35,976 IDFC Bank Ltd. 7 - 5,458 33,241 7,568 IndusInd Bank Ltd 8 14,780 11,388 15,670 2,124 Jammu & Kashmir 9 Bank Ltd 636 132 206 53 Karur Vysya Bank 10 638 230 448 36 Kotak Mahindra 11 Bank Ltd 34,923 8,996 24,059 9,492 RBL Bank Ltd 12 5,769 462 1,067 347 South Indian Bank 13 Ltd 618 287 1,622 309 Tamilnadu 14 Mercantile Bank Ltd - 389 1,472 1,720 Yes Bank Ltd 15 31,015 4,324 28,383 25,349 Total 15,91,080 2,46,585 12,90,904 2,38,468 Source: Pvt. BanksAnnexure-II Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. †5834 due for answer on 30.03.2026 Beneficiaries of FI Schemes in Rajasthan Districtwise: Major Private Banks PMJDY PMJJBY PMSBY APY S. District (as on (as on (as on (as on No. 11.03.2026) 04.03.2026) 04.03.2026) 21.03.2026) 1 Ajmer 89,894 16,138 62,536 7,631 2 Alwar 32,853 18,282 63,842 6,247 3 Balotra* 1,630 - - 917 4 Banswara 1,18,427 3,219 41,218 6,028 5 Baran 25,268 3,524 21,651 5,389 6 Barmer* 77,300 9,041 1,42,836 2,714 7 Beawar 19,945 - - 2,388 8 Bharatpur 12,979 2,317 14,870 2,612 9 Bhilwara 82,370 8,635 72,017 8,187 10 Bikaner 39,301 4,443 28,807 4,814 11 Bundi 30,792 2,411 13,793 4,722 12 Chittorgarh 57,669 7,264 28,921 7,835 13 Churu 28,911 3,724 22,228 3,447 14 Dausa 42,350 2,293 24,075 7,448 15 Deeg* 1,807 - - 386 16 Dholpur 4,878 1,593 13,499 1,541 17 Didwana-Kuchaman** 4,631 - - 2,202 18 Dungarpur 22,280 2,592 11,996 3,292 19 Ganganagar 48,869 7,284 45,573 8,433 20 Hanumangarh 64,448 8,410 48,919 8,826 21 Jaipur 1,42,935 57,669 2,20,052 40,538 22 Jaisalmer 7,637 1,434 12,030 1,298 23 Jalore 24,614 4,550 22,392 5,166 24 Jhalawar 32,003 2,378 18,731 4,890 25 Jhunjhunu 18,488 3,955 19,767 6,598 26 Jodhpur 72,608 14,064 52,510 9,232 27 Karauli 16,875 1,071 8,384 2,522 28 Khairthal-Tijara* 10,833 3 2 6,036 29 Kota 37,263 8,168 31,227 8,071 30 Kotputli-Behror* 18,486 - - 6,438 31 Nagaur 42,563 5,279 37,069 3,036 32 Pali 43,411 5,583 32,012 6,401 33 Phalodi* 1,319 - - 1,769 34 Pratapgarh 12,845 2,601 10,895 2,717 35 Rajsamand 58,870 6,250 30,853 6,143 36 Salumbar* 8 2 2 2,441 37 Sawai Madhopur 25,076 2,335 13,327 4,559 38 Sikar 40,317 6,630 27,072 6,349 39 Sirohi 11,142 3,018 9,046 3,948 40 Tonk 27,694 3,985 15,932 4,167 41 Udaipur 1,39,491 16,440 72,820 11,090 Total 15,91,080 2,46,585 12,90,904 2,38,468 * Highlighted Disricts Data is not available prior to 04.03.2026 as these are recently moved to LGD directory code. **Didwana-Kuchaman district has been carved out from Nagaur district. The reporting of enrolments of Didwana-Kuchaman district started from 04.03.2026. Enrolments of the district prior to 04.03.2026 are appearing in Nagaur District. Source: Pvt. Banks