Archive · 27 Aug 2026
India’s Financial Inclusion Index Rises as Jan Dhan Deposits Surge
India’s Financial Inclusion Index measures how easily people can use banking and related services.
It rose from 53.9 in 2018 to 67 in 2026.
The Jan Dhan programme now has 59.09 crore bank accounts.
Many of these accounts are in rural and semi-urban areas.
Women make up 32.92 crore of the beneficiaries.
Money saved in these accounts grew to ₹3,16,514 crore by August 19, 2026.
Account holders can receive government payments directly and use insurance, pension and credit schemes.
Eligible customers can also receive a RuPay debit card and an overdraft of up to ₹10,000.
India’s Financial Inclusion Index rose from 53.9 in 2018 to 67 in 2026.
Pradhan Mantri Jan Dhan Yojana accounts increased fourfold to 59.09 crore.
Rural and semi-urban areas accounted for 45.95 crore accounts, while women represented 32.92 crore beneficiaries.
Deposits climbed from ₹15,670 crore in March 2015 to ₹3,16,514 crore by August 19, 2026.
Jan Dhan account holders received access to RuPay cards, welfare transfers, insurance, pensions, credit and overdrafts.
- Who
- Indian banking customers, especially underserved, low-income, rural and female beneficiaries, through the Pradhan Mantri Jan Dhan Yojana.
- What
- India’s Financial Inclusion Index increased to 67, while Jan Dhan accounts and deposits expanded substantially.
- When
- The index figure is for 2026; account and deposit figures are reported as of August 19, 2026.
- Where
- Across India, including rural, semi-urban, urban and metropolitan areas.
- Why
- To expand access to banking, savings, credit, insurance, pensions, digital payments and government benefits.
- Financial Inclusion Index
- 67 in 2026, up from 53.9 in 2018.
- Jan Dhan accounts
- 59.09 crore as of August 19, 2026.
- Rural and semi-urban accounts
- 45.95 crore.
- Women beneficiaries
- 32.92 crore.
- Jan Dhan deposits
- ₹3,16,514 crore as of August 19, 2026, compared with ₹15,670 crore in March 2015.
- RuPay debit cards
- About 41.29 crore issued to Jan Dhan customers.
- Overdraft facility
- Up to ₹10,000 for one eligible account holder per household after six months of satisfactory account operation.