PM Jan Dhan Yojana (PMJDY) has completed 12 years, transforming financial inclusion in India by providing millions of people, especially women and rural populations, access to banking, digital payments and direct welfare benefits.
Key Points
- Launched: 28 August 2014
- Completed: 12 years in August 2026
- Total PMJDY Accounts: 59.09 crore (as of 19 August 2026)
- Women Account Holders: 32.92 crore (55.7%)
- Rural & Semi-Urban Accounts: 45.95 crore (77.8%)
- Total Deposits: ₹3.17 lakh crore
- Average Deposit per Account: ₹5,356
- RuPay Cards Issued: 41.29 crore
Key Benefits
- Zero-balance basic bank account with no maintenance charges.
- Free RuPay debit card with accident insurance cover of up to ₹2 lakh.
- Overdraft facility of up to ₹10,000, subject to eligibility.
- Access to insurance, pension and other financial services.
- The JAM Trinity (Jan Dhan–Aadhaar–Mobile) enables direct, transparent and diversion-proof transfer of welfare benefits.
- PMJDY accounts have also helped expand access to digital payments, savings, credit and schemes such as MUDRA loans.
