Lok Sabha Question No. 5834 (UNSTARRED), answered on 2026-03-30
Subject: Pradhan Mantri Jan Dhan Yojana
Ministry: FINANCE
Asked by: Shri Hanuman Beniwal

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION NO. 5834

ANSWERED ON MONDAY, 30 MARCH, 2026 / CHAITRA 09, 1948 (SAKA)

## Pradhan Mantri Jan Dhan Yojana

## † 5834. SHRI HANUMAN BENIWAL:

Will the Minister of FINANCE be pleased to state:

(a) whether the Government is aware of the fact that several private banks hesitate or avoid opening  accounts  or  accepting  applications  under  the  Pradhan  Mantri  Jan  Dhan  Yojana, insurance schemes and pension schemes, thereby depriving the general public of the benefits of Government schemes;

(b)  if  so,  the  share  of  private  banks  among  the  beneficiaries  of  Government  schemes  in Rajasthan, bank-wise and district-wise including Nagaur and Didwana-Kuchaman;

(c)  whether  the  Government  is  aware  that  many  private  banks  show  apathy  in  providing benefits  of  these  schemes  to  rural  and  vulnerable  sections  or  reject  applications  citing technical/procedural reasons; and

(d) if so, the steps taken by the Government to compel private banks to effectively implement these schemes and ensure benefits to the common people?

## ANSWER

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

(a)  to  (d)  The  Government  initiated  the  National  Mission  for  Financial  Inclusion  (NMFI), namely the Pradhan Mantri Jan Dhan Yojana (PMJDY) in August, 2014 to provide universal banking services for every unbanked household based on the guiding principles of banking the unbanked,  securing  the  unsecured  and  funding  the  unfunded.  To  give  further  impetus  to financial inclusion initiatives of the Government, PMJDY was extended beyond 14.08.2018 and the focus was shifted to 'every unbanked adult' instead of 'every household'.

Beneficiaries of different Government schemes are being given benefits directly in their bank accounts, including PMJDY accounts.

The number of beneficiaries of PMJDY, Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan  Mantri  Jeevan  Jyoti  Bima  Yojana  (PMJJBY)  and  Atal  Pension  Yojana  (APY)  in

Rajasthan, Bank-wise and District-wise, including Nagaur and Didwana-Kuchaman District, is at Annexure-I and II respectively.

To ensure accessibility of these Schemes to women, rural population, marginalised groups and underprivileged communities in the country, various steps are being taken:

- i. Allocation of indicative targets to all banks under each scheme;
- ii. Holding of various camps and specialised campaigns to promote awareness;
- iii. Periodic review of performance of banks etc;

All banks, including private banks, participate in these schemes and activities to ensure their  effectiveness  and  make  them  accessible  to  all  stakeholders.  Additionally,  a  review mechanism  is  in  place  to  regularly  monitor  the  implementation  and  effectiveness  of  these Schemes with Banks and other relevant stakeholders.

Further, customers can approach customer care numbers and online portals of Banks for any assistance  /  grievances  and  in  addition,  customers  can  directly  address  their  issues  to  the concerned Bank Branches. The Board of Directors of individual Banks lays down appropriate grievance  redressal  mechanism  within  the  organization  to  resolve  customer  grievances.  If grievances, involving deficiency in services rendered by  entities regulated by RBI, are not resolved to the satisfaction of the customers or not replied to within a period of 30 days by the regulated  entity,  the  customer  can  approach  the  'Reserve  Bank  -  Integrated  Ombudsman Scheme, 2021' that provides cost-free redressal of complaints.

The Government of India has a web-based portal i.e. Centralized Public Grievance Redressal and Monitoring System (CPGRAM) wherein citizens can also file their grievances.

******

| Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer on 30.03.2026   | Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer on 30.03.2026   | Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer on 30.03.2026   | Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer on 30.03.2026   | Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer on 30.03.2026   | Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer on 30.03.2026   |
|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------|
| Beneficiaries of FI Schemes in Rajasthan: Major Private Bank-wise                                                 | Beneficiaries of FI Schemes in Rajasthan: Major Private Bank-wise                                                 | Beneficiaries of FI Schemes in Rajasthan: Major Private Bank-wise                                                 | Beneficiaries of FI Schemes in Rajasthan: Major Private Bank-wise                                                 | Beneficiaries of FI Schemes in Rajasthan: Major Private Bank-wise                                                 | Beneficiaries of FI Schemes in Rajasthan: Major Private Bank-wise                                                 |
| S. No.                                                                                                            | Bank                                                                                                              | PMJDY (as on 11.03.2026)                                                                                          | PMJJBY (as on 04.03.2026)                                                                                         | PMSBY (as on 04.03.2026)                                                                                          | APY (as on 21.03.2026)                                                                                            |
| 1                                                                                                                 | Axis Bank Ltd                                                                                                     | 80,313                                                                                                            | 20,590                                                                                                            | 75,692                                                                                                            | 30,856                                                                                                            |
| 2                                                                                                                 | City Union Bank Ltd                                                                                               | 524                                                                                                               | 488                                                                                                               | 680                                                                                                               | 597                                                                                                               |
| 3                                                                                                                 | Federal Bank Ltd                                                                                                  | 2,225                                                                                                             | 1,117                                                                                                             | 2,258                                                                                                             | 1,487                                                                                                             |
| 4                                                                                                                 | HDFC Bank Ltd                                                                                                     | 4,26,375                                                                                                          | 1,00,810                                                                                                          | 4,61,413                                                                                                          | 59,665                                                                                                            |
| 5                                                                                                                 | ICICI Bank Ltd                                                                                                    | 9,10,452                                                                                                          | 36,875                                                                                                            | 5,27,618                                                                                                          | 62,889                                                                                                            |
| 6                                                                                                                 | IDBI Bank Ltd.                                                                                                    | 82,812                                                                                                            | 55,039                                                                                                            | 1,17,075                                                                                                          | 35,976                                                                                                            |
| 7                                                                                                                 | IDFC Bank Ltd.                                                                                                    | -                                                                                                                 | 5,458                                                                                                             | 33,241                                                                                                            | 7,568                                                                                                             |
| 8                                                                                                                 | IndusInd Bank Ltd                                                                                                 | 14,780                                                                                                            | 11,388                                                                                                            | 15,670                                                                                                            | 2,124                                                                                                             |
| 9                                                                                                                 | Jammu &Kashmir Bank Ltd                                                                                           | 636                                                                                                               | 132                                                                                                               | 206                                                                                                               | 53                                                                                                                |
| 10                                                                                                                | Karur Vysya Bank                                                                                                  | 638                                                                                                               | 230                                                                                                               | 448                                                                                                               | 36                                                                                                                |
| 11                                                                                                                | Kotak Mahindra Bank Ltd                                                                                           | 34,923                                                                                                            | 8,996                                                                                                             | 24,059                                                                                                            | 9,492                                                                                                             |
| 12                                                                                                                | RBL Bank Ltd                                                                                                      | 5,769                                                                                                             | 462                                                                                                               | 1,067                                                                                                             | 347                                                                                                               |
| 13                                                                                                                | South Indian Bank Ltd                                                                                             | 618                                                                                                               | 287                                                                                                               | 1,622                                                                                                             | 309                                                                                                               |
| 14                                                                                                                | Tamilnadu Mercantile Bank Ltd                                                                                     | -                                                                                                                 | 389                                                                                                               | 1,472                                                                                                             | 1,720                                                                                                             |
| 15                                                                                                                | Yes Bank Ltd                                                                                                      | 31,015                                                                                                            | 4,324                                                                                                             | 28,383                                                                                                            | 25,349                                                                                                            |
| Total                                                                                                             | Total                                                                                                             | 15,91,080                                                                                                         | 2,46,585                                                                                                          | 12,90,904                                                                                                         | 2,38,468                                                                                                          |

| Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer   | Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer   | Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer   | Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer   | Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer   | Annexure as referred to in Part (a) to (d) of the Lok Sabha Unstarred Q.No. † 5834 due for answer   |
|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------|
| S. No.                                                                                              | Beneficiaries of District                                                                           | FI Schemes in PMJDY (as on 11.03.2026)                                                              | Rajasthan Districtwise: PMJJBY (as on 04.03.2026)                                                   | Major Private PMSBY (as on 04.03.2026)                                                              | Banks APY (as on 21.03.2026)                                                                        |
| 1                                                                                                   | Ajmer                                                                                               | 89,894                                                                                              | 16,138                                                                                              | 62,536                                                                                              | 7,631                                                                                               |
| 2                                                                                                   | Alwar                                                                                               | 32,853                                                                                              | 18,282                                                                                              | 63,842                                                                                              | 6,247                                                                                               |
| 3                                                                                                   | Balotra*                                                                                            | 1,630                                                                                               | -                                                                                                   | -                                                                                                   | 917                                                                                                 |
| 4                                                                                                   | Banswara                                                                                            | 1,18,427                                                                                            | 3,219                                                                                               | 41,218                                                                                              | 6,028                                                                                               |
| 5                                                                                                   | Baran                                                                                               | 25,268                                                                                              | 3,524                                                                                               | 21,651                                                                                              | 5,389                                                                                               |
| 6                                                                                                   | Barmer*                                                                                             | 77,300                                                                                              | 9,041                                                                                               | 1,42,836                                                                                            | 2,714                                                                                               |
| 7                                                                                                   | Beawar                                                                                              | 19,945                                                                                              | -                                                                                                   | -                                                                                                   | 2,388                                                                                               |
| 8                                                                                                   | Bharatpur                                                                                           | 12,979                                                                                              | 2,317                                                                                               | 14,870                                                                                              | 2,612                                                                                               |
| 9                                                                                                   | Bhilwara                                                                                            | 82,370                                                                                              | 8,635                                                                                               | 72,017                                                                                              | 8,187                                                                                               |
| 10                                                                                                  | Bikaner                                                                                             | 39,301                                                                                              | 4,443                                                                                               | 28,807                                                                                              | 4,814                                                                                               |
| 11                                                                                                  | Bundi                                                                                               | 30,792                                                                                              | 2,411                                                                                               | 13,793                                                                                              | 4,722                                                                                               |
| 12                                                                                                  | Chittorgarh                                                                                         | 57,669                                                                                              | 7,264                                                                                               | 28,921                                                                                              | 7,835                                                                                               |
| 13                                                                                                  | Churu                                                                                               | 28,911                                                                                              | 3,724                                                                                               | 22,228                                                                                              | 3,447                                                                                               |
| 14                                                                                                  | Dausa                                                                                               | 42,350                                                                                              | 2,293                                                                                               | 24,075                                                                                              | 7,448                                                                                               |
| 15                                                                                                  | Deeg*                                                                                               | 1,807                                                                                               | -                                                                                                   | -                                                                                                   | 386                                                                                                 |
| 16                                                                                                  | Dholpur                                                                                             | 4,878                                                                                               | 1,593                                                                                               | 13,499                                                                                              | 1,541                                                                                               |
| 17                                                                                                  | Didwana-Kuchaman**                                                                                  | 4,631                                                                                               | -                                                                                                   | -                                                                                                   | 2,202                                                                                               |
| 18                                                                                                  | Dungarpur                                                                                           | 22,280                                                                                              | 2,592                                                                                               | 11,996                                                                                              | 3,292                                                                                               |
| 19                                                                                                  | Ganganagar                                                                                          | 48,869                                                                                              | 7,284                                                                                               | 45,573                                                                                              | 8,433                                                                                               |
| 20                                                                                                  | Hanumangarh                                                                                         | 64,448                                                                                              | 8,410                                                                                               | 48,919                                                                                              | 8,826                                                                                               |
| 21                                                                                                  | Jaipur                                                                                              | 1,42,935                                                                                            | 57,669                                                                                              | 2,20,052                                                                                            | 40,538                                                                                              |
| 22                                                                                                  | Jaisalmer                                                                                           | 7,637                                                                                               | 1,434                                                                                               | 12,030                                                                                              | 1,298                                                                                               |
| 23                                                                                                  | Jalore                                                                                              | 24,614                                                                                              | 4,550                                                                                               | 22,392                                                                                              | 5,166                                                                                               |
| 24                                                                                                  | Jhalawar                                                                                            | 32,003                                                                                              | 2,378                                                                                               | 18,731                                                                                              | 4,890                                                                                               |
| 25                                                                                                  | Jhunjhunu                                                                                           | 18,488                                                                                              | 3,955                                                                                               | 19,767                                                                                              | 6,598                                                                                               |
| 26                                                                                                  | Jodhpur                                                                                             | 72,608                                                                                              | 14,064                                                                                              | 52,510                                                                                              | 9,232                                                                                               |
| 27                                                                                                  | Karauli                                                                                             | 16,875                                                                                              | 1,071                                                                                               | 8,384                                                                                               | 2,522                                                                                               |
| 28                                                                                                  | Khairthal-Tijara*                                                                                   | 10,833                                                                                              | 3                                                                                                   | 2                                                                                                   | 6,036                                                                                               |
| 29                                                                                                  | Kota                                                                                                | 37,263                                                                                              | 8,168                                                                                               | 31,227                                                                                              | 8,071                                                                                               |
| 30                                                                                                  | Kotputli-Behror*                                                                                    | 18,486                                                                                              | -                                                                                                   | -                                                                                                   | 6,438                                                                                               |
| 31                                                                                                  | Nagaur                                                                                              | 42,563                                                                                              | 5,279                                                                                               | 37,069                                                                                              | 3,036                                                                                               |
| 32                                                                                                  | Pali                                                                                                | 43,411                                                                                              | 5,583                                                                                               | 32,012                                                                                              | 6,401                                                                                               |
| 33                                                                                                  | Phalodi*                                                                                            | 1,319                                                                                               | -                                                                                                   | -                                                                                                   | 1,769                                                                                               |
| 34                                                                                                  | Pratapgarh                                                                                          | 12,845                                                                                              | 2,601                                                                                               | 10,895                                                                                              | 2,717                                                                                               |
| 35                                                                                                  | Rajsamand                                                                                           | 58,870                                                                                              | 6,250                                                                                               | 30,853                                                                                              | 6,143                                                                                               |
| 36                                                                                                  | Salumbar*                                                                                           | 8                                                                                                   | 2                                                                                                   | 2                                                                                                   | 2,441                                                                                               |
| 37                                                                                                  | Sawai Madhopur                                                                                      | 25,076                                                                                              | 2,335                                                                                               | 13,327                                                                                              | 4,559                                                                                               |
| 38                                                                                                  | Sikar                                                                                               | 40,317                                                                                              | 6,630                                                                                               | 27,072                                                                                              | 6,349                                                                                               |
| 39                                                                                                  | Sirohi                                                                                              | 11,142                                                                                              | 3,018                                                                                               | 9,046                                                                                               | 3,948                                                                                               |
| 40                                                                                                  | Tonk                                                                                                | 27,694                                                                                              | 3,985                                                                                               | 15,932                                                                                              | 4,167                                                                                               |
| 41                                                                                                  | Udaipur                                                                                             | 1,39,491                                                                                            | 16,440                                                                                              | 72,820                                                                                              | 11,090                                                                                              |
| Total                                                                                               | Total                                                                                               | 15,91,080                                                                                           | 2,46,585                                                                                            | 12,90,904                                                                                           | 2,38,468                                                                                            |

Source: Pvt. Banks