Jan Dhan Yojana Scam: An advertisement is currently going viral on social media, claiming that a cash prize of ₹5,000 is being offered via a ‘scratch-and-win’ digital card under the PM Jan Dhan Yojana. Investigations have revealed that this viral claim is completely fake and misleading. A fraudulent advertisement featuring Prime Minister Narendra Modi falsely claims that a cash reward of ₹5,000 is being given through a ‘scratch-and-win’ digital card under the ‘Jan Dhan Yojana’. Let us find out the truth behind this viral post.

What is the PM Jan Dhan Yojana?

For information, the PM Jan Dhan Yojana aims to bring every citizen into the banking system. Under this scheme, accounts can be opened with a zero balance, and a RuPay debit card is issued. Account holders also receive accident insurance coverage. Additionally, the scheme offers an overdraft facility of up to ₹10,000.

An image with fake red stamp on a fraudulent advertisement of PM Jan Dhan Yojana offering Rs 5000 on scratch and win digital card

What the investigation revealed

PIB Fact Check has uncovered the truth behind the viral claim. In reality, the claim is entirely fake and misleading. No cash reward of ₹5,000 is being distributed under PM Narendra Modi’s Jan Dhan Yojana. The government does not award cash prizes to beneficiaries through random scratch cards.

“>September 1, 2026

PIB shared a post stating: “The Pradhan Mantri Jan Dhan Yojana (PMJDY) does not offer random scratch-card cash rewards to any beneficiary. 🔗https://pmjdy.gov.in/scheme. Beware! Do not click on suspicious links, scratch digital cards, or share any personal or banking details, as these could cause financial losses. If you come across any misleading content related to the Central Government, flag it to PIB Fact Check for its verification.

PIB issues a warning

Through PIB Fact Check, the agency has appealed to the public not to click on any suspicious links. Do not scratch digital cards or share any of your personal or banking information, as doing so could lead to financial loss. If you receive such a request for information, report it to PIB Fact Check to verify its authenticity.