Millennium Post: Jaipur: Monday, 7th September
2026.
Nearly one in four bank
accounts opened under the Pradhan Mantri Jan Dhan Yojana (PMJDY) is currently
classified as inoperative, while nearly 5.72 crore accounts have no balance,
according to data obtained under the Right to Information Act.
The Department of Financial Services, Ministry of Finance, said in an RTI response dated September 1 that India had 59,03,74,907 PMJDY accounts with a combined balance of Rs 3,15,179.90 crore as of August 12, 2026. The response was issued to activist Chandra Shekhar Gaur.
Of the total accounts, 32.89 crore belong to women, including transgender account holders, while 26.14 crore are held by men. The data showed that 5,72,35,490 accounts had zero balance. Another 15,36,77,009 accounts were classified as inoperative.
Uttar Pradesh reported the largest number of zero-balance accounts at 95.92 lakh, followed by Bihar with 62.35 lakh, West Bengal with 37.20 lakh, Assam with 36.30 lakh and Maharashtra with 36.04 lakh.
The state also topped the list for inoperative accounts, with 3.23 crore such accounts. Bihar followed with 1.59 crore, Madhya Pradesh with 1.35 crore, West Bengal with 1.02 crore and Maharashtra with 97.94 lakh.
Uttar Pradesh had the highest overall number of Jan Dhan accounts at 10.51 crore. Bihar had 7.01 crore, West Bengal 5.73 crore, Rajasthan 3.87 crore and Maharashtra 3.85 crore.
Launched in August 2014 as the National Mission for Financial Inclusion, PMJDY seeks to provide households with access to banking services, financial literacy and social security benefits through at least one basic bank account. The Centre said it does not centrally maintain gender-wise data on account balances, zero-balance or inoperative accounts. It also does not maintain central figures for accounts holding less than Rs 100, accounts closed during the past five years, or accounts blocked or frozen over suspected transactions or cyber fraud.
The state-wise figures supplied in the RTI response cover 36 states and Union territories.
The Department of Financial Services, Ministry of Finance, said in an RTI response dated September 1 that India had 59,03,74,907 PMJDY accounts with a combined balance of Rs 3,15,179.90 crore as of August 12, 2026. The response was issued to activist Chandra Shekhar Gaur.
Of the total accounts, 32.89 crore belong to women, including transgender account holders, while 26.14 crore are held by men. The data showed that 5,72,35,490 accounts had zero balance. Another 15,36,77,009 accounts were classified as inoperative.
Uttar Pradesh reported the largest number of zero-balance accounts at 95.92 lakh, followed by Bihar with 62.35 lakh, West Bengal with 37.20 lakh, Assam with 36.30 lakh and Maharashtra with 36.04 lakh.
The state also topped the list for inoperative accounts, with 3.23 crore such accounts. Bihar followed with 1.59 crore, Madhya Pradesh with 1.35 crore, West Bengal with 1.02 crore and Maharashtra with 97.94 lakh.
Uttar Pradesh had the highest overall number of Jan Dhan accounts at 10.51 crore. Bihar had 7.01 crore, West Bengal 5.73 crore, Rajasthan 3.87 crore and Maharashtra 3.85 crore.
Launched in August 2014 as the National Mission for Financial Inclusion, PMJDY seeks to provide households with access to banking services, financial literacy and social security benefits through at least one basic bank account. The Centre said it does not centrally maintain gender-wise data on account balances, zero-balance or inoperative accounts. It also does not maintain central figures for accounts holding less than Rs 100, accounts closed during the past five years, or accounts blocked or frozen over suspected transactions or cyber fraud.
The state-wise figures supplied in the RTI response cover 36 states and Union territories.
.JPG)
.JPG)
