What nearly 25% dormant accounts won’t tell you about Jan Dhan scheme

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Atul Thakur
TNNUpdated: Sep 9, 2025, 14:50 IST IST

The PM Jan Dhan scheme was launched in 2014 to provide bank accounts to those Indians who don’t have one. A decade later, though a chunk of the 56 crore accounts have fallen dormant, uptake patterns show how it’s proving its utility

According to a recently answered

Parliament question

, over 13 crore of the 56 crore Jan Dhan accounts – an initiative primarily meant for the

financial inclusion

of the poor and to ensure access to various government schemes – are inoperative.
Although around a fourth of these accounts are inactive, here is why the scheme has achieved its purpose.

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