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Launched by Prime Minister Shri Narendra Modi as one of his very first programmes on 28th August 2014, the Pradhan Mantri Jan Dhan Yojana (PMJDY) has completed 12 years. These 12 years of PMJDY have witnessed a transformation in India’s financial landscape, and the scheme has become a torchbearer for financial inclusion worldwide. As the world’s largest financial inclusion initiative, PMJDY continues to redefine access to banking for all Indians.of accounts has increased 2.3 times in the last 12 years (Aug ’26/Aug ’15).c.

Average Deposit per PMJDY Account – ₹5,356 (As on 19th August ’26)The average deposit per account is ₹5,356 as on 19.08.2026. The average deposit per account has increased 3.4 times in the last 12 years (Aug ’26/Aug ’15). The increase in the average deposit is another indication of the increased usage of accounts and the inculcation of saving habits among account holders.d. RuPay Cards Issued to PMJDY Account Holders: 41.29

crore (As on 19th August ’26)41.29 crore RuPay cards have been issued to PMJDY account holders. The number and usage of RuPay cards have increased over time.PMJDY’s success is driven by its mission-mode approach, regulatory backing, public-private partnerships, and the

integration of digital public infrastructure like Aadhaar for biometric verification. It continues to be the first step towards financial inclusion, with further progress being achieved by enabling savings and credit access for those previously excluded from formal finance. With visible saving patterns, account holders are now eligible for loans, including MUDRA loans, empowering individuals to grow their incomes and build

financial resilience.As PMJDY enters its 13th year, it continues to be a beacon of inclusive growth, digital innovation, and economic empowerment. Its enduring success reflects India’s commitment to ensuring that no citizen is left behind in the journey towards financial well-being. CNI NEWS