Lok Sabha Question No. 86 (UNSTARRED), answered on 2020-02-03
Subject: Charges on PMJDY Accounts
Ministry: FINANCE
Asked by: Deepak Baij

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK  SABHA UN-STARRED QUESTION No.86 ANSWERED ON 3 rd  FEBRUARY, 2020 (MONDAY) / MAGHA 14, 1941 (SAKA) 'Charges on PMJDY Accounts'

## 86. SHRI DEEPAK BAIJ:

Will the Minister of FINANCE be pleased to state:

- (a) the number of bank accounts opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) from the year 2014 to date, State-wise;
- (b) whether the banks collected charges under the limit of minimum balance from Jan Dhan bank accounts including old-age pension accounts and accounts of the scholarships from school and the wages under MGNREGA;
- (c) if so, the amount of the charges collected from the bank accounts due to non-maintenance of minimum balance during the last three years; and
- (d) the present number of functional PMJDY accounts and the number of such accounts closed during the said period, State-wise?

## Answer

The Minister of State in the Ministry of Finance (SHRI ANURAG SINGH THAKUR)

- (a) As per the information provided by banks, 37.87 crore bank accounts have been opened under  Pradhan  Mantri  Jan  Dhan  Yojana  (PMJDY)  as  on  15.01.2020.  State-wise  number  of PMJDY accounts opened as on 15.01.2020 is at Annexure.
- (b) &  (c):    Accounts  opened  under  PMJDY  are  Basic  Savings  Bank  Deposit  (BSBD) accounts in nature. As per the Reserve Bank of India (RBI) guidelines on BSBD accounts dated 10.08.2012  and  its  amendment  dated  10.06.2019,  there  is  no  requirement  for  maintaining minimum balance in such accounts. Accordingly, no penalty is imposed on PMJDY accounts for non-maintenance of minimum balance irrespective of any direct benefit transfer being received in such accounts under any scheme.
- (d) As per information provided by banks, out of a total of 37.87 crore PMJDY accounts, 30.78 crore (81.3%) accounts are operative as on 15.01.2020. State-wise number of operative PMJDY accounts as on 15.01.2020 is at Annexure.

Information  on  the  number  of  PMJDY  accounts  closed  is  not  centrally  maintained.  However, cumulative number of existing PMJDY accounts monitored by this Department shows that the number of these accounts has increased every year since the launch of the scheme.

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| Annexure Annexure as referred to in the reply to the Lok Sabha Un-starred Question No. 86 to be answered on 03.02.2020 regarding '' Charges on PMJDY Accounts'' State wise no. of PMJDY accounts and operative PMJDY accounts as on 15.01.2020   | Annexure Annexure as referred to in the reply to the Lok Sabha Un-starred Question No. 86 to be answered on 03.02.2020 regarding '' Charges on PMJDY Accounts'' State wise no. of PMJDY accounts and operative PMJDY accounts as on 15.01.2020   | Annexure Annexure as referred to in the reply to the Lok Sabha Un-starred Question No. 86 to be answered on 03.02.2020 regarding '' Charges on PMJDY Accounts'' State wise no. of PMJDY accounts and operative PMJDY accounts as on 15.01.2020   | Annexure Annexure as referred to in the reply to the Lok Sabha Un-starred Question No. 86 to be answered on 03.02.2020 regarding '' Charges on PMJDY Accounts'' State wise no. of PMJDY accounts and operative PMJDY accounts as on 15.01.2020   |
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| S.No                                                                                                                                                                                                                                             | State Name                                                                                                                                                                                                                                       | No of PMJDY Accounts (in lakh)                                                                                                                                                                                                                   | No of operative PMJDY accounts (in lakh)                                                                                                                                                                                                         |
| 1                                                                                                                                                                                                                                                | Andaman &nicobar islands                                                                                                                                                                                                                         | 0.49                                                                                                                                                                                                                                             | 0.32                                                                                                                                                                                                                                             |
| 2                                                                                                                                                                                                                                                | Andhra pradesh                                                                                                                                                                                                                                   | 104.11                                                                                                                                                                                                                                           | 85.24                                                                                                                                                                                                                                            |
| 3                                                                                                                                                                                                                                                | Arunachal pradesh                                                                                                                                                                                                                                | 3.32                                                                                                                                                                                                                                             | 2.63                                                                                                                                                                                                                                             |
| 4                                                                                                                                                                                                                                                | Assam                                                                                                                                                                                                                                            | 161.89                                                                                                                                                                                                                                           | 143.75                                                                                                                                                                                                                                           |
| 5                                                                                                                                                                                                                                                | Bihar                                                                                                                                                                                                                                            | 432.03                                                                                                                                                                                                                                           | 377.29                                                                                                                                                                                                                                           |
| 6                                                                                                                                                                                                                                                | Chandigarh                                                                                                                                                                                                                                       | 2.53                                                                                                                                                                                                                                             | 1.91                                                                                                                                                                                                                                             |
| 7                                                                                                                                                                                                                                                | Chhattisgarh                                                                                                                                                                                                                                     | 146.76                                                                                                                                                                                                                                           | 120.71                                                                                                                                                                                                                                           |
| 8                                                                                                                                                                                                                                                | Dadra &nagar haveli                                                                                                                                                                                                                              | 1.27                                                                                                                                                                                                                                             | 0.95                                                                                                                                                                                                                                             |
| 9                                                                                                                                                                                                                                                | Daman &diu                                                                                                                                                                                                                                       | 0.55                                                                                                                                                                                                                                             | 0.43                                                                                                                                                                                                                                             |
| 10                                                                                                                                                                                                                                               | Delhi                                                                                                                                                                                                                                            | 45.39                                                                                                                                                                                                                                            | 37.06                                                                                                                                                                                                                                            |
| 11                                                                                                                                                                                                                                               | Goa                                                                                                                                                                                                                                              | 1.66                                                                                                                                                                                                                                             | 1.12                                                                                                                                                                                                                                             |
| 12                                                                                                                                                                                                                                               | Gujarat                                                                                                                                                                                                                                          | 147.38                                                                                                                                                                                                                                           | 115.13                                                                                                                                                                                                                                           |
| 13                                                                                                                                                                                                                                               | Haryana                                                                                                                                                                                                                                          | 73.89                                                                                                                                                                                                                                            | 61.38                                                                                                                                                                                                                                            |
| 14                                                                                                                                                                                                                                               | Himachal pradesh                                                                                                                                                                                                                                 | 12.88                                                                                                                                                                                                                                            | 11.04                                                                                                                                                                                                                                            |
| 15                                                                                                                                                                                                                                               | Jammu &kashmir                                                                                                                                                                                                                                   | 21.11                                                                                                                                                                                                                                            | 12.32                                                                                                                                                                                                                                            |
| 16                                                                                                                                                                                                                                               | Jharkhand                                                                                                                                                                                                                                        | 132.07                                                                                                                                                                                                                                           | 105.21                                                                                                                                                                                                                                           |
| 17                                                                                                                                                                                                                                               | Karnataka                                                                                                                                                                                                                                        | 148.40                                                                                                                                                                                                                                           | 117.49                                                                                                                                                                                                                                           |
| 18                                                                                                                                                                                                                                               | Kerala                                                                                                                                                                                                                                           | 42.98                                                                                                                                                                                                                                            | 33.31                                                                                                                                                                                                                                            |
| 19                                                                                                                                                                                                                                               | Ladakh                                                                                                                                                                                                                                           | 0.19                                                                                                                                                                                                                                             | 0.11                                                                                                                                                                                                                                             |
| 20                                                                                                                                                                                                                                               | Lakshadweep                                                                                                                                                                                                                                      | 0.06                                                                                                                                                                                                                                             | 0.04                                                                                                                                                                                                                                             |
| 21                                                                                                                                                                                                                                               | Madhya pradesh                                                                                                                                                                                                                                   | 323.71                                                                                                                                                                                                                                           | 257.10                                                                                                                                                                                                                                           |
| 22                                                                                                                                                                                                                                               | Maharashtra                                                                                                                                                                                                                                      | 267.12                                                                                                                                                                                                                                           | 199.93                                                                                                                                                                                                                                           |
| 23                                                                                                                                                                                                                                               | Manipur                                                                                                                                                                                                                                          | 9.46                                                                                                                                                                                                                                             | 8.07                                                                                                                                                                                                                                             |
| 24                                                                                                                                                                                                                                               | Meghalaya                                                                                                                                                                                                                                        | 4.73                                                                                                                                                                                                                                             | 3.61                                                                                                                                                                                                                                             |
| 25                                                                                                                                                                                                                                               | Mizoram                                                                                                                                                                                                                                          | 3.11                                                                                                                                                                                                                                             | 2.06                                                                                                                                                                                                                                             |
| 26                                                                                                                                                                                                                                               | Nagaland                                                                                                                                                                                                                                         | 3.03                                                                                                                                                                                                                                             | 2.42                                                                                                                                                                                                                                             |
| 27                                                                                                                                                                                                                                               | Odisha                                                                                                                                                                                                                                           | 155.16                                                                                                                                                                                                                                           | 127.86                                                                                                                                                                                                                                           |
| 28                                                                                                                                                                                                                                               | Puducherry                                                                                                                                                                                                                                       | 1.58                                                                                                                                                                                                                                             | 1.32                                                                                                                                                                                                                                             |
| 29                                                                                                                                                                                                                                               | Punjab                                                                                                                                                                                                                                           | 69.19                                                                                                                                                                                                                                            | 54.60                                                                                                                                                                                                                                            |
| 30                                                                                                                                                                                                                                               | Rajasthan                                                                                                                                                                                                                                        | 266.26                                                                                                                                                                                                                                           | 221.48                                                                                                                                                                                                                                           |
| 31                                                                                                                                                                                                                                               | Sikkim                                                                                                                                                                                                                                           | 0.94                                                                                                                                                                                                                                             | 0.64                                                                                                                                                                                                                                             |
| 32                                                                                                                                                                                                                                               | Tamil nadu                                                                                                                                                                                                                                       | 106.15                                                                                                                                                                                                                                           | 82.82                                                                                                                                                                                                                                            |
| 33                                                                                                                                                                                                                                               | Telangana                                                                                                                                                                                                                                        | 97.56                                                                                                                                                                                                                                            | 73.74                                                                                                                                                                                                                                            |
| 34                                                                                                                                                                                                                                               | Tripura                                                                                                                                                                                                                                          | 8.83                                                                                                                                                                                                                                             | 8.28                                                                                                                                                                                                                                             |
| 35                                                                                                                                                                                                                                               | Uttar pradesh                                                                                                                                                                                                                                    | 604.86                                                                                                                                                                                                                                           | 467.74                                                                                                                                                                                                                                           |
| 36                                                                                                                                                                                                                                               | Uttarakhand                                                                                                                                                                                                                                      | 25.48                                                                                                                                                                                                                                            | 20.31                                                                                                                                                                                                                                            |
| 37                                                                                                                                                                                                                                               | West bengal                                                                                                                                                                                                                                      | 360.60                                                                                                                                                                                                                                           | 318.61                                                                                                                                                                                                                                           |
|                                                                                                                                                                                                                                                  | Country                                                                                                                                                                                                                                          | 3786.72                                                                                                                                                                                                                                          | 3078.01                                                                                                                                                                                                                                          |

Source: 18 Public Sector Banks and 14 major Private Sector Banks ( including their Regional Rural Banks)