Lok Sabha Question No. 1727 (UNSTARRED), answered on 2025-03-10
Subject: Percentage of Jan Dhan Yojana (PMJDY) Accounts
Ministry: FINANCE
Asked by: Shri Pradyut Bordoloi

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA

## UNSTARRED QUESTION No. 1727

ANSWERED ON MONDAY, MARCH 10, 2025/PHALGUNA 19, 1946 (SAKA)

Percentage of Jan Dhan Yojana (PMJDY) Accounts

## 1727. SHRI PRADYUT BORDOLOI:

Will the Minister of FINANCE be pleased to state:

- (a) the total percentage of PM Jan Dhan Yojana (PMJDY) accounts which are Zero Balance Accounts for the whole country and State-wise for the North Eastern Region (NER);
- (b) the share of PMJDY accounts which have less than Rs. 10 deposited in them;
- (c) the share of PMJDY accounts that are inactive across the whole country and in the NER;
- (d) the average amount deposited in PMJDY accounts for the NER during the last five years and the national average over the same period, year-wise; and
- (e) whether parameters like frequency of transactions and engagement with financial products are considered while assessing the scheme's effectiveness and if so, the details thereof?

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

- (a) As on 19.02.2025, 8% of PMJDY accounts in the country have Zero balance. The statewise percentage of such accounts for the North Eastern Region (NER), as on 19.02.2025 is as under:

| States (NER)      | Percentage of Zero Balance Accounts   |
|-------------------|---------------------------------------|
| Arunachal Pradesh | 8%                                    |
| Assam             | 14%                                   |
| Manipur           | 12%                                   |
| Meghalaya         | 5%                                    |
| Mizoram           | 15%                                   |
| Nagaland          | 5%                                    |
| Tripura           | 12%                                   |
| Sikkim            | 12%                                   |

Source: Banks

(b)  &  (c)  The  data  regarding  the  share  of  PMJDY  accounts,  which  have  less  than  Rs.10 deposited in them, is not centrally maintained. However, the percentage of inactive PMJDY accounts in the country, and States in NER, is 21.29% and 19.46% respectively.

(d) The data of average amount deposited in PMJDY accounts is not maintained. However, the data of Cumulative average balance in PMJDY accounts, including NER is at Annexure.

(e)  The  effectiveness  of  PMJDY  in  promoting  financial  inclusion  is  measured  on  various parameters like:

- i)    Opening of accounts - Till, 26.02.2025, 54.97 Crore accounts have been opened in the whole country.

ii)  Percentage of operative accounts - As on 26.02.2025, 78.71% accounts are operative.

iii) Enrolment in Social Security Schemes - Willing and eligible PMJDY accountholders are encouraged and are given option to subscribe to Social Security Schemes viz; Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY). As on 19.02.2025, out of total PMJDY account holders, 6.91 crore and 16.81 crore account holders have also enrolled in PMJJBY and PMSBY respectively. Beneficiaries of different Government schemes are being given benefits directly in their Bank accounts including PMJDY accounts.

*****

| Annexure as referred in reply to part (d) of the Lok Sabha Unstarred Question No. 1727 for answer on 10.03.2025   | Annexure as referred in reply to part (d) of the Lok Sabha Unstarred Question No. 1727 for answer on 10.03.2025   | Annexure as referred in reply to part (d) of the Lok Sabha Unstarred Question No. 1727 for answer on 10.03.2025   | Annexure as referred in reply to part (d) of the Lok Sabha Unstarred Question No. 1727 for answer on 10.03.2025   | Annexure as referred in reply to part (d) of the Lok Sabha Unstarred Question No. 1727 for answer on 10.03.2025   | Annexure as referred in reply to part (d) of the Lok Sabha Unstarred Question No. 1727 for answer on 10.03.2025   | Annexure as referred in reply to part (d) of the Lok Sabha Unstarred Question No. 1727 for answer on 10.03.2025   |
|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|
| Cumulative Average Balance in Pradhan Mantri Jan Dhan Accounts                                                    | Cumulative Average Balance in Pradhan Mantri Jan Dhan Accounts                                                    | Cumulative Average Balance in Pradhan Mantri Jan Dhan Accounts                                                    | Cumulative Average Balance in Pradhan Mantri Jan Dhan Accounts                                                    | Cumulative Average Balance in Pradhan Mantri Jan Dhan Accounts                                                    | Cumulative Average Balance in Pradhan Mantri Jan Dhan Accounts                                                    | Cumulative Average Balance in Pradhan Mantri Jan Dhan Accounts                                                    |
| State/UT                                                                                                          | As on 19.02.2025                                                                                                  | March 2024                                                                                                        | March 2023                                                                                                        | March 2022                                                                                                        | March 2021                                                                                                        | March 2020                                                                                                        |
| Arunachal Pradesh                                                                                                 | 5,069                                                                                                             | 5,789                                                                                                             | 5,622                                                                                                             | 5,168                                                                                                             | 5,033                                                                                                             | 3,770                                                                                                             |
| Assam                                                                                                             | 2,634                                                                                                             | 2,697                                                                                                             | 2,727                                                                                                             | 2,334                                                                                                             | 2,371                                                                                                             | 2,378                                                                                                             |
| Manipur                                                                                                           | 2,438                                                                                                             | 2,549                                                                                                             | 2,515                                                                                                             | 2,095                                                                                                             | 2,038                                                                                                             | 2,211                                                                                                             |
| Meghalaya                                                                                                         | 5,327                                                                                                             | 6,032                                                                                                             | 5,974                                                                                                             | 5,558                                                                                                             | 5,813                                                                                                             | 3,736                                                                                                             |
| Mizoram                                                                                                           | 4,468                                                                                                             | 4,572                                                                                                             | 4,568                                                                                                             | 4,622                                                                                                             | 4,307                                                                                                             | 3,633                                                                                                             |
| Nagaland                                                                                                          | 3,027                                                                                                             | 3,392                                                                                                             | 3,133                                                                                                             | 2,669                                                                                                             | 2,757                                                                                                             | 2,259                                                                                                             |
| Tripura                                                                                                           | 5,611                                                                                                             | 4,965                                                                                                             | 4,901                                                                                                             | 4,891                                                                                                             | 6,022                                                                                                             | 7,609                                                                                                             |
| Sikkim                                                                                                            | 5,368                                                                                                             | 5,751                                                                                                             | 5,468                                                                                                             | 5,313                                                                                                             | 5,241                                                                                                             | 4,151                                                                                                             |
| Country                                                                                                           | 4,542                                                                                                             | 4,476                                                                                                             | 4,087                                                                                                             | 3,694                                                                                                             | 3,449                                                                                                             | 3,090                                                                                                             |

Source: Banks