The PM Jan Dhan Yojana coverage update has once again come into focus as the government and banks intensify efforts to revive inactive or dormant Jan Dhan accounts. With financial inclusion remaining a key policy goal, renewed attention is being placed on account usage rather than just account numbers.
Launched in 2014, Jan Dhan Yojana is the backbone of India’s direct benefit transfer (DBT) ecosystem.
LATEST COVERAGE UPDATE
As per the most recent data released by the Government of India and public sector banks:
- Total Jan Dhan accounts: Over 50 crore (nationwide)
- Rural coverage: Majority share of accounts
- Women account holders: Nearly 55%
- DBT-linked accounts: Significant majority
The PM Jan Dhan Yojana coverage update highlights strong enrolment, but also points to a sizable number of low-usage or inactive accounts.
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WHAT IS AN INACTIVE JAN DHAN ACCOUNT?
A Jan Dhan account is considered inactive or dormant if:
- No customer-initiated transaction is done for over 2 years
- Only bank charges or interest entries exist
- Aadhaar-linked benefits are not being credited
Such accounts do not earn full benefits and may face transaction restrictions.
INACTIVE ACCOUNT REVIVAL — WHAT’S CHANGING?
Under the latest PM Jan Dhan Yojana coverage update, banks have been instructed to actively revive inactive accounts by:
- Contacting account holders through SMS or branch visits
- Conducting simplified KYC re-verification
- Encouraging small deposits or withdrawals
- Re-linking Aadhaar for DBT benefits
The revival drive aims to ensure accounts remain functional and useful.
HOW TO REVIVE AN INACTIVE JAN DHAN ACCOUNT
To revive your Jan Dhan account:
- Visit your bank branch where the account is held
- Carry Aadhaar card and PAN (if available)
- Complete KYC update (if pending)
- Make a small deposit or withdrawal
- Ensure Aadhaar is linked for DBT benefits
Once done, the account becomes active immediately or within a few working days.
WHY IS ACCOUNT REVIVAL IMPORTANT?
The push for revival under the PM Jan Dhan Yojana coverage update is important because:
- Welfare payments are credited directly to Jan Dhan accounts
- Inactive accounts block DBT benefits
- Active accounts improve financial literacy
- It strengthens India’s digital banking ecosystem
Government subsidies, pensions, and insurance benefits depend on active accounts.
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BENEFITS OF AN ACTIVE JAN DHAN ACCOUNT
An active Jan Dhan account offers:
- Zero-balance banking facility
- Accidental insurance cover
- Overdraft facility (eligible accounts)
- Direct benefit transfers (DBT)
- Debit card with ATM access
Keeping the account active ensures uninterrupted access to these benefits.
FAQs
How many Jan Dhan accounts are inactive?
A significant number are low-usage, but banks are working to revive them.
Is minimum balance required to keep Jan Dhan active?
No. Even a zero-balance account remains active with periodic transactions.
Can inactive accounts be closed automatically?
No, but services may be restricted until revived.
CONCLUSION
The PM Jan Dhan Yojana coverage update shows strong nationwide penetration, but the focus has now shifted to making accounts active and useful. Account holders are encouraged to revive inactive accounts to continue receiving government benefits and banking services.
DISCLAIMER
Disclaimer: This article is based on official banking guidelines, government data, and media reports available at the time of publication. Procedures may vary slightly by bank. Readers should confirm details with their respective banks.
