Saturday, January 28, 2023


The government today announced that a total number of 41.75 crore accounts have been opened under Pradhan Mantri Jan Dhan Yojana (PMJDY) out of which 35.96 crore accounts are operative.

This was declared by Anurag Singh Thakur, Union Minister of State for Finance & Corporate Affairs in a written reply to a question in Lok Sabha today.

The government got the data from Public Sector Banks (PSBs) [including sponsored Regional Rural Banks (RRBs)] and 14 major Private Sector Banks, as of 27 January this year.

In Pradhan Mantri Jan-DhanYojana (PMJDY) a bank account can be opened by any bank branch or Business Correspondent (BC) including those of private sector banks.

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Anurag Thakur told that the” total number of PMJDY accounts opened by PSBs (including sponsored RRBs) and 14 larger private sector banks are 40.48 crores and 1.27 crore respectively.”

Giving more further details, Anurag Thakur said that accounts opened under PMJDY are basic savings bank deposit (BSBD) accounts.

As per RBI guidelines dated 10 June 2019, banks are needed to offer the following minimum banking amenities, free of charge, to the BSBD account holders, without any requirement of minimum balance.

  1. Deposit of cash at bank branch as well as ATMs/CDMs
  2. Receipt/ credit of money through any electronic channel or by means of deposit /collection of cheques drawn by Central/State Government agencies and departments
  3. No limit on the number and value of deposits that can be made in a month
  4. Minimum of four withdrawals in a month, including ATM withdrawals
  5. ATM Card or ATM-cum-Debit Card



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