Lok Sabha Question No. 4090 (UNSTARRED), answered on 2025-08-18
Subject: Number of Jan Dhan Accounts
Ministry: FINANCE
Asked by: Shri Giridhari Yadav, Shri Dinesh Chandra Yadav

## 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.

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| 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   | 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   | 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   | 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   |
|----------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------|
| SN.                                                                                                                                                      | State/UT                                                                                                                                                 | PMJDY Accounts                                                                                                                                           | Inoperative 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                                                                                                                                             |