12 Years of PM Jan Dhan Yojana

The Pradhan Mantri Jan Dhan Yojana (PM-JDY), India’s national mission for financial inclusion launched in 2014, has completed 12 years of implementation. Over this period, PM-JDY accounts have expanded significantly from 14.72 crore in 2015 to 59.09 crore as of August 19, 2026, with 32.92 crore female beneficiaries. Total deposits have surged to ₹3,16,514 crore, and 41.29 crore RuPay debit cards have been issued. The scheme provides basic savings accounts with no minimum balance requirement, accident insurance cover, overdraft facilities, and access to various social security and direct benefit transfer schemes, thereby driving broad-based economic participation and poverty reduction.