- Gujarat has opened over 1.94 crore Jan Dhan accounts under the Pradhan Mantri Jan Dhan Yojana, improving financial inclusion.
- The Jan Suraksha Santushti Abhiyan campaign helps citizens get banking access through Village Computer Entrepreneurs and Gram Panchayats.
- Jan Dhan accounts offer zero-balance savings, insurance cover, overdraft facilities, and direct subsidies like LPG DBT and MNREGA wages.
Gujarat has witnessed significant growth under the Pradhan Mantri Jan Dhan Yojana (PMJDY), with millions gaining access to formal banking services. The scheme has not only simplified banking for the common citizen but also ensured smooth access to essential financial and social security services. Key figures reveal a sharp rise in account openings, highlighting the success of the initiative in promoting financial inclusion across the state. Beneficiaries are now connected to facilities such as direct benefit transfers, insurance, and pension schemes, all under one unified banking platform.
Jan Dhan Account Growth in Gujarat: A Big Step for Financial Inclusion
Gujarat has reached an impressive milestone by opening more than 1.94 crore bank accounts under the PMJDY. This achievement is a big step toward financial inclusion in both rural and urban areas, connecting people to vital banking services and government benefits. The state government, along with the Central government, has successfully brought many people into the formal banking system with zero-balance accounts.
Benefits and Features of Jan Dhan Accounts in Gujarat
People holding Jan Dhan accounts in Gujarat enjoy several benefits that provide financial security and convenience. These accounts don’t require you to keep a minimum balance, which encourages low-income individuals to join the banking system. Also, account holders get a RuPay debit card that, if used at least once in 90 days, gives accidental insurance coverage of up to Rs 2 lakh.
After keeping their accounts in good standing for six months, you become eligible for an overdraft facility up to Rs 10,000, giving you quick credit access without any collateral. Digital banking services like mobile banking and Unified Payments Interface (UPI) let you make transactions safely and easily from your phone or other devices.
Jan Suraksha Santushti Abhiyan: Widening Financial Inclusion
To reach even more people, the Central government started the Jan Suraksha Santushti Abhiyan — a focused three-month campaign running from July 1 to September 30. This scheme works across all 14,610 Gram Panchayats and urban local bodies in Gujarat.
The campaign aims to make sure everyone, especially those in poor and remote areas, has access to banking and social security services. It actively promotes account openings, KYC completions, nominee registrations, awareness about fraud prevention, and claiming dormant accounts, bringing financial security right to your doorstep.
How People Get Help to Access Banking Services
Village Computer Entrepreneurs (VCEs) play an important role in communities by helping people open Jan Dhan accounts, complete required Know Your Customer (KYC) processes, and register nominees to protect their accounts. VCEs also educate account holders about digital frauds to help keep their money safe and assist in recovering inactive deposits.
With their help, even people in distant villages can easily use banking services and get government benefits without traveling far.
Direct Benefits Through Jan Dhan Accounts
Jan Dhan accounts work as an effective channel for direct benefit transfer (DBT) schemes. Subsidies like LPG DBT, MNREGA wages, pensions, and scholarships are directly sent to these accounts, ensuring timely and clear benefit delivery. This system reduces leakages and makes government schemes work better for you and your family.
Also Read – PMJDY: New Updates in Pradhan Mantri Jan Dhan Yojana for Beneficiaries
Also, digital payment options available through these accounts encourage a cashless economy, making transactions faster, safer, and more convenient.
| Feature | Details |
|---|---|
| Total Jan Dhan Accounts in Gujarat | 1.94 Crore+ |
| Insurance Coverage | Accident insurance up to Rs 2 lakh with regular usage |
| Overdraft Facility | Up to Rs 10,000 after 6 months of account operation |
| Campaign Duration | July 1 to September 30, 2025 |
| Number of Gram Panchayats Covered | 14,610 Gram Panchayats and urban local bodies |
| Official Scheme Website | https://pmjdy.gov.in |
Gujarat’s progress under the Pradhan Mantri Jan Dhan Yojana shows the growing awareness and acceptance of formal banking among common people. Through steady government efforts and community help, Jan Dhan accounts continue playing a key role in delivering financial services and social security benefits right where citizens live.
If you haven’t opened a Jan Dhan account in Gujarat yet, the ongoing Jan Suraksha Santushti Abhiyan campaign is a great chance to get free and easy banking services. The Village Computer Entrepreneurs are ready to help you every step of the way, making sure you’re included and protected financially.