- PM Jan Dhan Yojana completes 11 years with over 56 crore accounts opened, improving financial inclusion across India.
- More than 67% of accounts are in rural and semi-urban areas, with 56% owned by women, increasing digital transactions and economic participation.
- JAM Trinity integration and ongoing campaigns continue helping citizens with banking access, insurance, and pension benefits.
PM Jan Dhan Yojana, started in 2014, is a landmark financial inclusion scheme that has changed banking access for millions across India. With over 56 crore accounts opened and a deposit balance of Rs 2.68 lakh crore, this scheme has brought formal banking to the doorstep of rural and underserved populations. Keywords like PMJDY, financial inclusion, RuPay cards, and JAM Trinity show the scheme’s wide impact and ongoing importance.
Since it began, PMJDY has become the world’s largest financial inclusion program. As of August 13, 2025, more than 56.16 crore accounts have been opened. Deposits in these accounts have grown nearly 12 times since 2015, reaching Rs 2.68 lakh crore. The average deposit per account has also increased 3.7 times to Rs 4,768. Additionally, over 38.68 crore RuPay debit cards have been issued free of cost, encouraging digital payments across the country.
Impact on Financial Inclusion and Digital Transactions
PMJDY has been a game-changer in bringing banking services to rural and semi-urban areas, with over 67% of accounts opened in these regions. Women own 56% of these accounts, helping them financially and socially. The scheme has greatly increased digital transactions, with UPI transactions rising from 535 crore in FY19 to an impressive 18,587 crore in FY25. Total digital transactions have grown nearly tenfold, showing increased trust and use of digital payment methods.
Also Read – PMJDY: New Updates in Pradhan Mantri Jan Dhan Yojana for Beneficiaries
Role of JAM Trinity and Direct Benefit Transfer (DBT)
The success of PMJDY is closely linked to the JAM Trinity — Jan Dhan accounts, Aadhaar identification, and Mobile connectivity. This combination makes sure subsidies and benefits are transferred directly and without diversion to beneficiaries. In FY 2024-25 alone, about Rs 6.9 lakh crore was transferred directly into bank accounts under various DBT schemes, making subsidy delivery clear and efficient.
Benefits and Features of PMJDY Accounts
PMJDY accounts come with several attractive features:
- Zero-balance accounts, making banking accessible to everyone.
- Free RuPay debit cards with Rs 2 lakh accident insurance coverage.
- Overdraft facility up to Rs 10,000 to support urgent financial needs.
- Access to social security schemes such as Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana.
Ongoing Financial Inclusion Campaign and How to Participate
The government is currently running a saturation campaign across 2.7 lakh gram panchayats to further deepen financial inclusion. This campaign, which started on July 1 and will continue until September 30, 2025, encourages eligible citizens to open new PMJDY accounts, update their KYC details, and enroll in insurance and pension schemes linked to the program.
| Parameter | Details |
|---|---|
| Accounts Opened | 56.16 crore (as on 13 August 2025) |
| Total Deposits | Rs 2.68 lakh crore |
| Average Deposit per Account | Rs 4,768 |
| RuPay Cards Issued | 38.68 crore |
| DBT Amount Transferred (FY 2024-25) | Rs 6.9 lakh crore |
| Campaign Duration | 1 July 2025 to 30 September 2025 |
| Official Website | https://pmjdy.gov.in |
To join, visit your nearest bank branch or use the official PMJDY portal to open an account or update your details. This scheme continues helping you with financial tools and security, letting you take control of your economic future.
PM Jan Dhan Yojana remains a great example of how inclusive policies can change lives, promote dignity, and support economic growth across India.