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57.78 Crore Jan Dhan Accounts Opened, Over Half Belong to Women

Finance Minister Nirmala Sitharaman announced that 57.78 crore Pradhan Mantri Jan Dhan Yojana accounts have been opened, holding a collective deposit of nearly Rs 2.95 lakh crore. A significant 55.8% of these accounts, amounting to 32.21 crore, belong to women beneficiaries. The scheme has seen strong penetration in rural and semi-urban areas, which account for 78.2% of all accounts. The government also reported massive enrolments in linked insurance and pension schemes like PMJJBY, PMSBY, and APY, alongside substantial loan sanctions under the Mudra and Stand-Up India schemes.

Key Points: Jan Dhan Yojana: 57.78 Cr Accounts, 55.8% Women Beneficiaries

  • 57.78 crore total accounts opened
  • 55.8% accounts belong to women
  • Rs 2.94 lakh crore total deposit balance
  • 78.2% accounts in rural/semi-urban areas
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57.78 crore Jan Dhan accounts opened, 55.8 pc belong to women: FM Sitharaman

FM Sitharaman reveals 57.78 crore Jan Dhan accounts with Rs 2.94 lakh crore deposits. 55.8% accounts belong to women, boosting financial inclusion.

"57.78 crore Jan Dhan accounts with a deposit balance of Rs 2,94,702 crore have been opened - Nirmala Sitharaman"

New Delhi, March 16

A total of 57.78 crore Jan Dhan accounts with a deposit balance of Rs 2,94,702 crore have been opened under the Pradhan Mantri Jan Dhan Yojana, Finance Minister Nirmala Sitharaman said on Monday.

Out of these, 32.21 crore (55.8 per cent) Jan Dhan accounts belong to women, and about 45.17 crore (78.2 per cent) PMJDY accounts have been opened in rural and semi-urban areas, she said in the Lok Sabha.

The Finance Minister further stated that under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), 26.88 crore cumulative enrolments (as on February 25) have been made to provide life insurance cover of Rs 2 lakh for death due to any reason.

"Under Pradhan Mantri Suraksha Bima Yojana (PMSBY), 57.11 crore cumulative enrolments (as on 25.02.2026) have been done to provide a one-year accidental cover of Rs 2 lakh (death or permanent total disability) and Rs 1 lakh (permanent partial disability) respectively," she said.

Under the Atal Pension Yojana (APY), 8.84 crore cumulative enrolments have been made to provide a monthly pension to eligible subscribers till February 25 this year.

Moreover, under the Pradhan Mantri Mudra Yojana (PMMY), 57.26 crore loans amounting to Rs 39.48 lakh crore have been sanctioned to provide collateral-free institutional finance to micro/small business units up to Rs 20 lakh for income-generating activities in manufacturing, trading, and services sectors, including activities allied to agriculture (as on February 27).

"Under the Stand-Up India Scheme (SUPI), 2.75 lakh cumulative loans amounting to Rs 62,790 crore have been sanctioned to Scheduled Caste/Schedule Tribe and Women entrepreneurs for setting up greenfield projects in the sectors such as manufacturing, trading, services and activities allied to agriculture (as on 31.03.2025)," Sitharaman said.

The Finance Minister said that a robust financial inclusion platform, namely JAM- a Jan Dhan Aadhaar Mobile pipeline for linking of Jan-Dhan account with mobile number and Aadhaar -- has been created, which is being extensively leveraged by various Ministries and Departments for the delivery of various welfare benefits like Direct Benefit Transfer (DBT), etc.

- IANS

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Reader Comments

R
Rohit P
Impressive numbers, no doubt. But the real test is whether these accounts are active and being used regularly, or if they were just opened to meet targets. Also, hope the insurance claims process under PMJJBY and PMSBY is smooth for the common person.
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Sarah B
As someone working in development finance, the scale of this is remarkable. Linking Jan Dhan, Aadhaar, and Mobile (JAM) for DBT is a game-changer for reducing leakage in welfare schemes. A model other countries could learn from.
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Aman W
Good step for financial inclusion. But we must also focus on financial literacy. Just having an account is not enough. People, especially in rural areas, need to know how to use it, save, and avail benefits like insurance and pensions.
K
Karthik V
The Mudra loan numbers are staggering! ₹39 lakh crore sanctioned. This has been a lifeline for so many small entrepreneurs, including my cousin who started a small garment unit. It fuels the real economy at the grassroots.
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Nisha Z
Seeing over 55% accounts belong to women makes me so happy. Financial independence for women is the first step towards greater social empowerment. Hope the Stand-Up India scheme also sees more women entrepreneurs coming forward.

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