The Pradhan Mantri Jan Dhan Yojana (PMJDY) is set to complete 12 years since its launch on August 28, 2014, with the financial inclusion programme crossing a major milestone of 59 crore bank accounts across the country. According to the Ministry of Finance, the total number of PMJDY accounts stood at 59.09 crore as of August 19, 2026, while deposits in these accounts reached approximately ₹3.17 lakh crore. The figures highlight the expansion of formal banking access among sections of the population that were previously outside the organised financial system. The scheme was launched with the objective of providing affordable access to basic financial services, including savings accounts, remittances, credit, insurance and pension facilities.

Over the years, Jan Dhan accounts have also become an important part of the government's broader financial infrastructure. A significant share of the accounts belongs to women and residents of rural and semi urban areas. Around 55.7% of PMJDY account holders are women, while nearly 77.8% of the accounts are held in rural and semi urban areas. The average balance in a Jan Dhan account has also increased over the years. As of August 19, the average deposit stood at around ₹5,356 per account, with the Finance Ministry noting that the average deposit has risen about 3.4 times over the past 12 years. The scheme has also expanded the use of banking services through RuPay debit cards and digital financial infrastructure. More than 41 crore RuPay cards have been issued under PMJDY, according to data released by the government.

Another important aspect of the programme is its connection with the Jan Dhan Aadhaar Mobile (JAM) framework. This infrastructure has helped strengthen the delivery of government benefits and subsidies directly into beneficiaries' bank accounts, reducing dependence on cash-based distribution systems. Union Minister of State for Finance Pankaj Chaudhary said the success of PMJDY should not be measured only by the number of accounts opened, but also by the broader transformation in India's banking and financial landscape. The government continues to position financial inclusion as an important part of India's economic development. With tens of crores of accounts now connected to the formal banking system, PMJDY has become a key channel through which people can access savings, digital payments, insurance, pensions and other financial services. As the scheme completes 12 years, the latest figures underline the scale at which banking access has expanded across India, particularly among women and households in rural and semi-urban regions.