{
 "name": "Pradhan Mantri Jan Dhan Yojana (PMJDY) — Accounts, Deposits & Inclusion Metrics",
 "unit": "crore accounts / Rs lakh crore",
 "dashboard": "https://bankpulse.ai/dashboards/jan-dhan-pmjdy/",
 "source": "Pradhan Mantri Jan Dhan Yojana (PMJDY), Department of Financial Services, Ministry of Finance (pmjdy.gov.in); RBI financial-inclusion data",
 "reviewed_by": "Vikram Jain",
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "updated": "2026-06-22T00:11:31+05:30",
 "dateModified": "2026-06-22T00:11:31+05:30",
 "method": "India's flagship financial-inclusion mission launched 28 Aug 2014 — beneficiary-account growth, deposit balance, RuPay cards, women and rural/semi-urban shares and the fall in zero-balance accounts, on an official (DFS/PMJDY/RBI) framing. Intermediate-year account values are indicative.",
 "note": "Rounded and approximate; NOT in the Verified-numbers ledger pending reviewer sign-off. ~55 crore accounts; ~Rs 2.5 lakh crore deposits; ~Rs 4,400 average balance; ~37 crore RuPay cards; ~56% women-held; ~66% rural/semi-urban; zero-balance accounts down from ~58% (2015) to ~8%. Bundles a zero-balance BSBDA, RuPay debit card with accident cover, overdraft up to Rs 10,000 and the DBT rail (JAM trinity).",
 "metrics": [
  {
   "metric": "Total beneficiary accounts",
   "value": "~55 crore",
   "note": "Around 55 crore Jan Dhan accounts across public-sector, regional rural and private banks"
  },
  {
   "metric": "Total deposit balance",
   "value": "~Rs 2.5 lakh crore",
   "note": "Balances in PMJDY accounts — up sharply from near-zero at launch as accounts became active"
  },
  {
   "metric": "Average balance per account",
   "value": "~Rs 4,400",
   "note": "Average deposit in a PMJDY account — modest but a real savings habit at the bottom of the pyramid"
  },
  {
   "metric": "RuPay debit cards issued",
   "value": "~37 crore",
   "note": "RuPay cards give account-holders ATM and digital-payment access plus accident insurance cover"
  },
  {
   "metric": "Women account-holders",
   "value": "~56% (~30 crore)",
   "note": "A majority of PMJDY accounts are held by women — central to direct-benefit-transfer delivery"
  },
  {
   "metric": "Rural & semi-urban accounts",
   "value": "~66%",
   "note": "Two-thirds of accounts are in rural and semi-urban India, the scheme's core target"
  },
  {
   "metric": "Zero-balance accounts",
   "value": "~8%",
   "note": "Down from ~58% in 2015 — most accounts now carry a balance and are in active use"
  }
 ],
 "features": [
  {
   "feature": "Basic Savings Bank Deposit Account (BSBDA)",
   "detail": "A no-frills, zero-minimum-balance account any unbanked adult can open — the foundation of the scheme"
  },
  {
   "feature": "RuPay debit card",
   "detail": "Free RuPay card for ATM and merchant use, with built-in accidental-insurance cover (raised to Rs 2 lakh for cards issued after Aug 2018)"
  },
  {
   "feature": "Overdraft facility",
   "detail": "An overdraft of up to Rs 10,000 for eligible account-holders after satisfactory operation — small, formal credit for the underserved"
  },
  {
   "feature": "Direct Benefit Transfer (DBT) rail",
   "detail": "PMJDY + Aadhaar + Mobile (the 'JAM trinity') is the pipe through which subsidies and welfare reach beneficiaries directly, cutting leakage"
  },
  {
   "feature": "Accident & life insurance",
   "detail": "Bundled accidental-death/disability cover via RuPay, plus access to PMJJBY and PMSBY micro-insurance for account-holders"
  },
  {
   "feature": "Interoperable & paperless",
   "detail": "Aadhaar-based e-KYC and Business Correspondents (Bank Mitras) extend the account into villages without a branch"
  }
 ],
 "accounts_series": [
  {
   "as_of": "Mar 2015",
   "accounts_crore": 14.7,
   "approximate": true,
   "note": "First six months — over 14 crore accounts opened, many under the launch-week drive"
  },
  {
   "as_of": "Mar 2017",
   "accounts_crore": 28.0,
   "approximate": true,
   "note": "Demonetisation (Nov 2016) channels cash into bank accounts and accelerates openings"
  },
  {
   "as_of": "Mar 2019",
   "accounts_crore": 35.0,
   "approximate": true,
   "note": "Steady growth; deposits per account rise as dormant accounts get used"
  },
  {
   "as_of": "Mar 2021",
   "accounts_crore": 42.0,
   "approximate": true,
   "note": "COVID-19 — direct benefit transfers to women PMJDY holders drive a fresh wave"
  },
  {
   "as_of": "Mar 2023",
   "accounts_crore": 49.0,
   "approximate": true,
   "note": "Crosses ~49 crore accounts; RuPay debit cards and overdraft uptake widen"
  },
  {
   "as_of": "Mar 2025",
   "accounts_crore": 55.0,
   "approximate": true,
   "note": "Around 55 crore accounts — one of the largest financial-inclusion drives ever"
  }
 ]
}