Lok Sabha Question No. 2553 (UNSTARRED), answered on 2025-03-17
Subject: Bank Accounts opened under PMJDY
Ministry: FINANCE
Asked by: Dr. Mohammad Jawed

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

## LOK SABHA

## UNSTARRED QUESTION No. 2553

ANSWERED ON MONDAY, MARCH 17, 2025/ PHALGUNA 26, 1946 (SAKA)

## Bank Accounts opened under PMJDY

## 2553. Dr. Mohammad Jawed:

Will the Minister of FINANCE be pleased to state:

- (a) the number of bank accounts opened under the Pradhan Mantri Jan-Dhan Yojana  (PMJDY) since its inception, State-wise and year-wise;
- (b) the  number  of  such  bank  accounts  frozen  or  partially  frozen  under  PMJDY  along  with the primary reasons for freezing bank accounts, State-wise and year-wise;
- (c) whether  the  Government  has  assessed  the  impact  of  hidden  charges  levied  on  PMJDY account holders, such as failed ATM transactions or minimum balance penalties and if so, the findings of such assessments;
- (d) the  steps  taken/being  taken  to  address  the  issue  of  dormant  PMJDY  accounts,  which reportedly account for 20% of total accounts and to ensure their reactivation and usability for beneficiaries; and
- (e) whether  the  Government  is  aware  that  the  KYC  process,  particularly  Aadhaar-based  reKYC, is leading to financial exclusion for many account holders due to data inconsistencies and technical challenges?

## Answer

## THE MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)

- (a) The total number of accounts opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) in the country since its inception, state and year-wise are as annexed.
- (b) Freezing and de-freezing of bank accounts including PMJDY accounts is a continuous process. Accounts are frozen due to various reasons such as reported or suspected frauds, death of account holder,  notices  received  from  Income  tax  and  other  authorities,  court  orders  etc.  Data  relating  to frozen accounts is not centrally maintained.
- (c) Pradhan Mantri Jan Dhan Yojana (PMJDY) account is a type of Basic Savings Bank Deposit Account (BSBDA) without any requirement of minimum balance. As per Reserve Bank of India (RBI)  circular  dated  10.06.2021,  BSBD  account  holders  are  eligible  for  five  free  transactions (inclusive of financial and non-financial transactions) every month from their own bank's ATMs. They are also eligible for free transactions (inclusive of financial and non-financial transactions) from other bank ATMs viz. three transactions in metro centres and five transactions in non-metro centres. Banks are free to offer more number of free transactions per month at other Bank ATMs as well as at own ATMs in any geographical location.

Further,  as  per  extant  RBI  guidelines  dated  10.06.2019,  Banks  are  free  to  evolve  requirements including pricing structure for additional value- added services on reasonable and transparent basis which is to be applied in a non-discriminatory manner at the option of the customers.

(d) & (e) The percentage of inoperative PMJDY accounts is 21.28% (as on 26.02.2025). As per RBI guidelines, a savings as well as a current account should be treated as inoperative/dormant, if there are  no  customer  induced  transactions  in  the  account  for  over  a  period  of  two  years.  Banks continuously make concerted efforts to monitor the percentage of operative accounts by organising camps to create awareness about banking habits including the benefits of keeping the account active. This is being regularly monitored by the Government.

RBI has, inter-alia, advised Banks:

- to undertake an annual review of accounts/ deposits where there has been no customer induced transactions for more than a year; and
- to take steps to trace the customers of these accounts/ deposits.

Further,  banks  have  been  advised  to  take  necessary  steps  urgently  to  bring  down  the  number  of inoperative accounts and make the process of activation of such accounts smoother and hassle free, including  by  enabling  seamless  updation  of  KYC  through  mobile/internet  banking,  non-home branches, Video Customer Identification Process, etc.

As per direction of RBI, periodic updation of KYC has to be carried out once in every 10 years for low risk customers such as PMJDY accounts. Additionally, several measures have been taken by the Govt. to simplify the re-KYC process:

- KYC to be done at any branch of the bank where the customer is maintaining their account.
- Banks are allowed to obtain self-declaration where there is no change in KYC information.
- Video based Customer identification Process (V-CIP)

Aadhaar OTP based e-KYC authentication in non-face-to face mode has also been permitted for reKYC purpose.

*****

Annexure

Part (a) of the Lok Sabha Unstarred Question No.2553 for answer on 11.02.2025 regarding ' Bank Accounts opened under PMJDY '

## State-wise and year-wise total No of PMJDY accounts

| S.No.   | State/UT                             |   Mar'15 |   Mar'16 |   Mar'17 |   Mar'18 |   Mar'19 |   Mar'20 |   Mar'21 |   Mar'22 |   Mar'23 |   Mar'24 |   As on 26.02.2025 |
|---------|--------------------------------------|----------|----------|----------|----------|----------|----------|----------|----------|----------|----------|--------------------|
| 1       | Andaman & Nicobar Islands            |     0.48 |     0.53 |     0.54 |     0.54 |     0.5  |     0.49 |     0.47 |     0.46 |     0.48 |     0.61 |               0.62 |
| 2       | Andhra Pradesh                       |    59.73 |    73.37 |    87.19 |    90.39 |    97.38 |   104.52 |   116.71 |   117.1  |   130.84 |   147.67 |             157.1  |
| 3       | Arunachal Pradesh                    |     0.93 |     1.29 |     2.06 |     2.52 |     2.83 |     3.38 |     3.55 |     3.77 |     4.08 |     4.52 |               4.62 |
| 4       | Assam                                |    43.98 |    72.46 |   116.35 |   127.51 |   148.88 |   163.56 |   186.16 |   203.4  |   221.55 |   236.17 |             247.85 |
| 5       | Bihar                                |   104.53 |   197.03 |   286.34 |   339.1  |   397.19 |   439.04 |   483.92 |   510.15 |   546.72 |   583.84 |             627.65 |
| 6       | Chandigarh                           |     1.8  |     2.18 |     2.21 |     2.48 |     2.44 |     2.54 |     2.65 |     2.82 |     3.06 |     3.27 |               3.36 |
| 7       | Chhattisgarh                         |    67.1  |    97.42 |   123.35 |   130.56 |   140.53 |   147.64 |   153.37 |   159.63 |   167.07 |   175.1  |             182.33 |
| 8       | Dadra & Nagar Haveli and Daman & Diu |     0.58 |     0.81 |     1.07 |     1.35 |     1.64 |     1.85 |     2.06 |     2.12 |     2.23 |     2.31 |               2.4  |
| 9       | Delhi                                |    24.6  |    30.23 |    36.32 |    40.52 |    43.29 |    45.88 |    48.16 |    53.34 |    57.98 |    62.98 |              66.92 |
| 10      | Goa                                  |     1.07 |     1.32 |     1.41 |     1.48 |     1.59 |     1.68 |     1.7  |     1.7  |     1.92 |     2.06 |               2.16 |
| 11      | Gujarat                              |    57.19 |    77.87 |   105.32 |   119.47 |   137.31 |   153.21 |   160.59 |   168.31 |   176.71 |   184.04 |             191.97 |
| 12      | Haryana                              |    41.65 |    51.74 |    59.53 |    65.02 |    70.68 |    74.94 |    79.05 |    84.99 |    91.39 |    99.25 |             105.31 |
| 13      | Himachal Pradesh                     |     6.83 |     8.78 |     9.3  |     9.93 |    11.68 |    13.07 |    15.06 |    16.03 |    17.27 |    18.76 |              19.84 |
| 14      | Jammu& Kashmir                       |    14.4  |    17.08 |    21.55 |    19.51 |    21.03 |    21.45 |    24.67 |    25.7  |    26.38 |    27.36 |              23.06 |
| 15      | Jharkhand                            |    32.76 |    61.82 |    97.62 |   112.04 |   123.51 |   133.97 |   154.71 |   162.22 |   174.08 |   183.63 |             195.43 |
| 16      | Karnataka                            |    73.11 |    91.8  |   106.17 |   117.73 |   139.22 |   148.76 |   152.44 |   160.19 |   177.72 |   192.13 |             203.27 |
| 17      | Kerala                               |    18.91 |    27.29 |    32.34 |    35.8  |    38.34 |    43.09 |    47.35 |    49.05 |    55.31 |    62.04 |              67.92 |
| 18      | Ladakh                               |     0    |     0    |     0    |     0    |     0    |     0.19 |     0.21 |     0.21 |     0.21 |     0.22 |               0.18 |
| 19      | Lakshadweep                          |     0.05 |     0.05 |     0.05 |     0.05 |     0.05 |     0.06 |     0.06 |     0.08 |     0.1  |     0.1  |               0.1  |
| 20      | Madhya Pradesh                       |   118.52 |   186.18 |   250.57 |   273.18 |   306.19 |   326.23 |   353.97 |   372.34 |   404.2  |   429.88 |             449.86 |
| 21      | Maharashtra                          |    99.68 |   138.24 |   189.71 |   221.53 |   247.76 |   270.23 |   299.69 |   313.91 |   324.05 |   340.81 |             363.92 |
| 22      | Manipur                              |     4.44 |     5.93 |     7.15 |     7.94 |     8.98 |     9.65 |    10.22 |    10.21 |    10.62 |    10.89 |              11.17 |
| 23      | Meghalaya                            |     1.65 |     2.55 |     3.94 |     4.17 |     4.72 |     4.78 |     5.93 |     6.19 |     6.7  |     7.75 |               8.34 |
| 24      | Mizoram                              |     0.8  |     1.62 |     2.8  |     2.68 |     2.99 |     3.11 |     3.21 |     3.15 |     3.29 |     3.82 |               4.09 |
| 25      | Nagaland                             |     1.33 |     1.59 |     2.03 |     2.18 |     2.63 |     3.08 |     3.28 |     3.45 |     3.67 |     3.92 |               4.07 |
| 26      | Odisha                               |    52.08 |    82.22 |   112.28 |   124.3  |   140.63 |   157.36 |   173.17 |   185.41 |   199.85 |   213.18 |             227.96 |
| 27      | Puducherry                           |     0.92 |     1.15 |     1.25 |     1.45 |     1.5  |     1.59 |     1.65 |     1.64 |     1.89 |     2.15 |               2.46 |
| 28      | Punjab                               |    38.88 |    47.99 |    53.4  |    60.9  |    66.68 |    69.5  |    73.33 |    77.34 |    84.52 |    90.78 |              94.91 |
| 29      | Rajasthan                            |   101.03 |   168    |   193.69 |   243.24 |   249.46 |   269.01 |   292.81 |   313.77 |   333.21 |   351.75 |             367.57 |
| 30      | Sikkim                               |     0.62 |     0.75 |     0.86 |     0.9  |     0.93 |     0.93 |     0.87 |     0.86 |     0.88 |     0.9  |               0.95 |
| 31      | Tamil Nadu                           |    61.82 |    79.87 |    86.88 |    89.82 |   100.25 |   107.13 |   111.53 |   115.95 |   137.73 |   154.04 |             169.96 |
| 32      | Telangana                            |    65.33 |    79.15 |    87.55 |    89.9  |    95.43 |    96.53 |   103.79 |   104.35 |   111.05 |   117.87 |             124.6  |
| 33      | Tripura                              |     4.51 |     7.01 |     7.84 |     8.29 |     8.72 |     8.89 |     9.11 |     8.55 |     9.56 |    10.29 |              11.11 |
| 34      | Uttar Pradesh                        |   228.72 |   321.01 |   437.35 |   475.62 |   548.44 |   613.31 |   713.35 |   792.69 |   866.99 |   925.2  |             978.11 |
| 35      | Uttarakhand                          |    14.15 |    18.2  |    21.9  |    22.01 |    24.33 |    25.69 |    27.29 |    29.06 |    32.5  |    35.87 |              38.32 |
| 36      | West Bengal                          |   109.52 |   188.22 |   268.84 |   300.26 |   338.9  |   366.46 |   403.97 |   445.99 |   479.56 |   509.5  |             537.09 |
| Country | Country                              |  1453.68 |  2142.75 |  2816.78 |  3144.39 |  3526.62 |  3832.8  |  4220.06 |  4506.15 |  4865.36 |  5194.67 |            5496.58 |

Source: Banks