PM Jan Dhan Yojana: Zero Balance Accounts May Be Closed Without KYC Update, Complete Process Before September 30
The Pradhan Mantri Jan Dhan Yojana (PMJDY), one of the most ambitious financial inclusion programs in India, has completed 11 years since its launch. Over the years, this scheme has helped millions of underprivileged citizens open bank accounts with zero balance and gain direct access to government benefits. However, an important compliance requirement has now been announced for account holders: updating Know Your Customer (KYC) details.
Why KYC Update Is Mandatory
According to banking regulations, every bank account must undergo a KYC update once every 10 years. This process ensures that customer details remain accurate and that inactive or unverified accounts can be identified. The Reserve Bank of India has also made it clear that Jan Dhan account holders whose accounts are more than 10 years old must update their KYC before September 30, 2025.
Failure to complete this step could result in your Jan Dhan account being frozen or permanently closed. RBI Governor Sanjay Malhotra has reiterated the importance of this rule, noting that timely KYC ensures transparency and prevents misuse of accounts.
Special KYC Camps for Easy Process
To make the process convenient, banks have set up special KYC camps at the Panchayat level across the country. These camps will remain operational from July 1 to September 30, 2025. Beneficiaries can visit these camps to complete their KYC without visiting bank branches repeatedly.
Apart from KYC updates, these camps also facilitate opening of new bank accounts and resolving other banking-related issues. This initiative ensures that even people living in rural areas can update their accounts with minimal hassle.
How to Complete KYC for Jan Dhan Accounts
The KYC process is simple and requires only a few documents:
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Aadhaar Card for identity verification
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Address proof (such as ration card, voter ID, or utility bills)
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Other supporting documents if requested by the bank
Once Aadhaar verification is completed, the bank will update the records, ensuring that your account remains active and functional. This process also helps banks deactivate accounts of deceased individuals or those that have been inactive for years.
Benefits of Keeping Your Jan Dhan Account Active
Jan Dhan accounts are more than just zero-balance savings accounts. They are the foundation of direct benefit transfers (DBT) from the government. Schemes such as PM Kisan Samman Nidhi, subsidies, and pension benefits are directly credited into these accounts.
An updated KYC guarantees that beneficiaries continue to receive these funds without delays. In contrast, accounts without updated details may face disruptions in benefit transfers.
PM Modi Praises Jan Dhan Scheme on Completion of 11 Years
On the 11th anniversary of the Pradhan Mantri Jan Dhan Yojana, Prime Minister Narendra Modi highlighted its success and widespread impact. While releasing the 20th installment of PM-Kisan, he stressed the role of Jan Dhan accounts in enabling financial empowerment.
PM Modi noted that India had around 14.7 crore bank accounts in 2014, but the number has now crossed 56 crore in 2025. He added that when the last citizen gains financial access, the entire nation moves forward together.
Key Takeaway
If you are a Jan Dhan account holder and your account has completed 10 years, it is crucial to update your KYC before September 30, 2025. Missing this deadline could lead to account closure and disruption of government benefit transfers.
To avoid inconvenience, visit the nearest KYC camp or your bank branch with your Aadhaar card and address proof. By completing this small step, you can ensure uninterrupted access to government schemes and keep your financial journey secure.
