Archive · 18 Aug 2025
Inactive Jan Dhan Accounts: A Significant Portion Unused
A significant portion of the government's Jan Dhan bank accounts, about 23%, are not being used.
This means people aren't making any transactions in them.
Uttar Pradesh has the most unused accounts.
Accounts become inactive if there are no transactions for over two years.
The government is still sending money to these accounts using Direct Benefit Transfers.
To fix this, a campaign is underway to get people to start using these accounts again.
There are no plans to charge fees for UPI payments, which the government has supported financially to keep working.
23% of 56.04 crore PM Jan Dhan accounts are inactive.
Uttar Pradesh has the most inoperative accounts, at 2.75 crore.
Accounts are considered inoperative after two years without transactions.
Government uses Direct Benefit Transfer (DBT) even for inactive accounts.
A Gram Panchayat level campaign is underway to reactivate accounts.
- Who
- The Ministry of Finance, regarding PM Jan Dhan Yojana accounts.
- What
- A large percentage of PM Jan Dhan accounts are inactive.
- When
- As of July 31, 2025.
- Where
- India, with Uttar Pradesh having the most inactive accounts.
- Why
- Not explicitly stated, but accounts are deemed inactive after two years without transactions.
- Inoperative Accounts
- 23% of 56.04 crore
- Total PMJDY Accounts (July 31, 2025)
- 56.03 crore
- Inoperative Accounts in UP
- 2.75 crore
- Inoperative Accounts in Bihar
- 1.39 crore
- Inoperative Accounts in MP
- 1.07 crore
- RBI Guidelines
- Accounts inactive after two years without transactions
- Incentive Support (FY21-25)
- Approximately ₹8,730 crore
- Capital Raised by PSBs (FY22-25)
- ₹1,53,978 crore
