2.74 lakh crore deposited in Jan Dhan accounts. This scheme of the Modi government has created a stir; half of India now has its own bank account!

Deposits in Jan Dhan accounts have exceeded 2.74 lakh crore rupees. More than 57 crore people are connected to banking. The average balance is 4,815 rupees. Millions are continuously receiving direct benefits through DBT.

The number of people connecting to banking services in the country under the Pradhan Mantri Jan Dhan Yojana is continuously increasing. To date, approximately 57.11 crore accounts have been opened through this scheme, and the total deposits in these accounts have exceeded 2.74 lakh crore rupees. This information is revealed in the latest data released on the scheme's official website. This impressive scheme is playing an important role in strengthening financial inclusion in the country.

Banks Reaching Every Village

Thanks to this government scheme, banking services have reached every village. According to the latest data, approximately 13.55 lakh Bank Mitras are working across the country, providing banking services to people without branches. These Bank Mitras visit villages and remote areas to provide services like opening accounts, depositing, and withdrawing money.

How Much Has the Balance in Jan Dhan Accounts Increased?

During an event, Department of Financial Services Secretary M. Nagaraju stated that the average balance in Jan Dhan accounts has now increased to approximately ₹4,815. This indicates that people are not only opening accounts but also regularly saving in them. He also stated that the government plans to transfer approximately ₹3.67 lakh crore directly to people's accounts through Direct Benefit Transfer (DBT) in the current financial year.

Nagaraju stated that India's journey towards financial inclusion is no less than a major achievement. The Pradhan Mantri Jan Dhan Yojana, launched in 2014, connected millions of people to the banking system for the first time. Today, more than 570 million people are availing banking services through this scheme.

What do the statistics on Jan Dhan accounts say?

According to statistics, approximately 78.2 percent of Jan Dhan accounts are in rural and semi-urban areas. Women account for approximately 50 percent of these accounts, indicating that women are becoming more economically empowered. This has facilitated their savings and direct access to government schemes.

He also stated that India's Financial Inclusion Index has increased to 67 by March 2025, indicating that both access and use of banking, insurance, pension, and other financial services are continuously improving in the country. This index is compiled based on 97 different parameters, including whether people are simply opening accounts or actually using these services.

Overall, the Jan Dhan Yojana has played a significant role in connecting the country's common citizens, especially the rural and poor, to mainstream banking, and its reach is expected to expand further in the future.

5 Best FAQs

Q1. How many accounts have been opened under the Jan Dhan Yojana so far?
More than 57.11 crore Jan Dhan accounts have been opened so far.

Q2. What is the total deposit amount in Jan Dhan accounts?
The total deposits in these accounts have exceeded approximately ₹2.74 lakh crore.

Q3. What is the average balance in Jan Dhan accounts?
Currently, the average balance is approximately ₹4,815.

Q4. How many Bank Mitras are servicing Jan Dhan accounts?
Approximately 13.55 lakh Bank Mitras are providing services across the country.

Q5. How much money does the government plan to transfer through DBT?
The government plans to transfer approximately ₹3.67 lakh crore through DBT in the current financial year.