The extremely popular Pradhan Mantri Jan Dhan Yojana, a scheme initiated by the Modi government, has completed 11 years. In these 11 years, the number of accounts opened under this scheme has increased to 56.16 crores, and a total of ₹2.68 lakh crore has been deposited in these accounts. This scheme has not only become a great example of financial inclusion, but it has also played an important role in making crores of Indians self-reliant by connecting them to banking services.
Overdraft Facility
Under the Jan Dhan Yojana, account holders are entitled to several important facilities, one of which is an overdraft facility. Under this facility, beneficiaries can avail up to ₹10,000. Overdraft means that even if you do not have enough money in your account, you can still withdraw money or make transactions up to a certain limit. This facility proves to be a great relief for poor and needy families, especially in emergencies. Apart from this, all beneficiaries also get a free Rupay debit card with an accident insurance cover of ₹2 lakh.
Jan Dhan Yojana Statistics
Recently, the Finance Ministry has released the success statistics of the Jan Dhan Yojana:
The number has increased from 14.72 crore accounts in March 2015 to 56.16 crore by August 13, 2025. This shows the unprecedented reach of the scheme. 56% of the total account holders are women, which is a big step towards women’s empowerment. 67% of the accounts have been opened in rural and semi-urban areas, taking banking facilities to the remote areas of the country.
₹45 lakh crore has been transferred directly to the accounts of beneficiaries through Direct Benefit Transfer, which has increased transparency and eliminated the role of middlemen. 94% of India’s adult population now has a bank account, almost meeting the country’s goal of financial inclusion.
Other benefits
A total of 38.68 crore RuPay debit cards have been issued to Pradhan Mantri Jan Dhan Yojana account holders. This has given them the facility of cashless transactions as well as access to built-in accident insurance cover. These accounts are also eligible for several other government schemes, such as:
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Atal Pension Yojana (APY)
Micro Units Development and Refinance Agency Bank (MUDRA) Scheme
Jan Dhan Yojana has revolutionized the lives of people in every corner of the country, especially in cities like Guwahati and rural areas of Assam. The scheme not only provides access to financial services, but it has also proved to be an important tool in bringing social and economic equality.