Launched on 28th August 2014, the Pradhan Mantri Jan Dhan Yojana (PMJDY) has transformed the way India looks at financial inclusion. Today, as the scheme completes 11 successful years, it proudly stands as the world’s largest financial inclusion initiative, giving millions of Indians access to banking facilities, savings, credit, insurance, and pensions.
With more than 56 crore bank accounts, deposits of nearly ₹2.68 lakh crore, and a strong focus on women and rural communities, Jan Dhan Yojana has truly become a game changer.
In this blog, we look at the top achievements of the scheme, its impact, and why it continues to matter in 2025.
1. Record-Breaking Account Openings
Within the first week of its launch, Jan Dhan Yojana made it to the Guinness World Records by opening 18 million bank accounts in just seven days.
Today, the number has crossed 56 crore accounts, making it the largest financial inclusion programme in the world.
2. Women Empowerment Through Banking
56% of PMJDY account holders are women, highlighting its role in empowering women financially.
These accounts have helped women gain access to direct benefit transfers (DBTs), small savings, and RuPay debit cards.
3. Strong Rural & Semi-Urban Penetration
67% of Jan Dhan accounts are in rural and semi-urban areas.
This has bridged the gap between formal banking and India’s unbanked population, especially in remote areas.
4. Deposits Cross ₹2.68 Lakh Crore
From zero-balance accounts to accounts with massive deposits, Jan Dhan has seen huge growth.
As of 2025, total deposits stand at nearly ₹2.68 lakh crore, reflecting improved savings habits and financial trust.
5. Boost to Digital Transactions & RuPay Adoption
Over 38 crore RuPay cards have been issued to Jan Dhan account holders.
This has enabled millions to transact digitally, reducing cash dependency and promoting financial transparency.
6. Direct Benefit Transfer (DBT) Success
In FY 2024–25 alone, ₹6.9 lakh crore worth of DBT transactions were credited into Jan Dhan accounts.
This has ensured leak-free subsidies for welfare schemes, pensions, scholarships, and rural benefits.
7. Access to Credit, Insurance & Pensions
Jan Dhan account holders are eligible for:
Overdraft facility up to ₹10,000
Accident insurance cover of ₹2 lakh
Life insurance cover of ₹30,000 (for those who opened accounts before 2015)
Access to Atal Pension Yojana (APY) and PM Suraksha Bima Yojana (PMSBY)
This has expanded the financial safety net for low-income households.
8. Strengthening India’s Financial System
Over the last 11 years, PMJDY has laid the foundation for:
Digital banking units in villages
Bank Mitra network for doorstep services
Increased participation in government-backed insurance & pension schemes
Greater financial literacy and inclusion across communities
Conclusion
As Jan Dhan Yojana turns 11, it’s clear that this programme has not just expanded banking but also empowered households, improved savings, reduced leakages in subsidies, and strengthened financial trust.
By connecting millions to the formal economy, Jan Dhan has proved to be the cornerstone of India’s financial inclusion journey. With the government continuing to expand its reach, PMJDY will remain a key driver of economic empowerment for years to come.
FAQs
Q1: When was Jan Dhan Yojana launched?
It was launched on 28th August 2014 by Prime Minister Narendra Modi.
Q2: How many accounts have been opened under PMJDY?
As of 2025, over 56 crore accounts have been opened.
Q3: What is the total deposit under Jan Dhan Yojana?
Deposits have reached nearly ₹2.68 lakh crore.
Q4: Who benefits the most from Jan Dhan Yojana?
Women, rural populations, and low-income households have been the biggest beneficiaries.
Q5: What facilities are available with a Jan Dhan account?
Zero-balance banking, overdraft up to ₹10,000, RuPay card, insurance cover, DBT access, and pension scheme eligibility.
Published on : 29th August
Published by : SMITA
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