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PM Jan Dhan Yojana completes 12 years with 59 crore accounts
The Pradhan Mantri Jan Dhan Yojana (PMJDY) has completed 12 years since its launch on August 28, 2014. According to the Ministry of Finance, the initiative has expanded to include over 59 crore bank accounts, with total deposits reaching ₹3.17 lakh crore.
The scheme has significantly impacted marginalized populations, with 78 per cent of accounts opened in rural or semi-urban areas. Women represent a major portion of the beneficiaries, accounting for approximately 56 per cent of all accounts. The average deposit per account has grown to ₹5,356, reflecting a 3.4-fold increase over the last 12 years.
Key features of the program include no minimum balance requirements, free RuPay debit cards with ₹2 lakh accident insurance coverage, and an overdraft facility of up to ₹10,000. India’s financial inclusion index also saw an increase from 53.9 in 2018 to 67 in 2026.
Entities
India · Ministry of Finance · Narendra Modi · Pankaj Chaudhary · Pradhan Mantri Jan Dhan Yojana
Claims
What the coverage asserts, and how many sources carry each claim.
- [● 2 SOURCES] Account holders are eligible for an overdraft facility of up to ₹10,000. www.tripurastarnews.com · theshillongtimes.com
- [● 3 SOURCES] The number of PM Jan Dhan Yojana (PMJDY) bank accounts has exceeded 59 crore. www.tripurastarnews.com · hindi.news18.com · theshillongtimes.com
- [○ 1 SOURCE] Approximately 56 per cent of PMJDY accounts are owned by women. theshillongtimes.com
- [○ 1 SOURCE] The average deposit per account is ₹5,356 as of August 19, 2026. theshillongtimes.com
- [○ 1 SOURCE] India’s financial inclusion index rose from 53.9 in 2018 to 67 in 2026. hindi.news18.com
- [● 2 SOURCES] Total deposits in PMJDY accounts have reached ₹3.17 lakh crore. www.tripurastarnews.com · theshillongtimes.com
- [● 2 SOURCES] Each account includes a free RuPay debit card with ₹2 lakh accident insurance cover. www.tripurastarnews.com · theshillongtimes.com
- [○ 1 SOURCE] 78 per cent of the accounts were opened in rural or semi-urban areas. theshillongtimes.com