MoS Finance: 15 Cr PM Jan Dhan Accounts Inoperative

• MoS Finance stated 15 crore (26%) of 57.07 crore PM Jan Dhan Yojana (PMJDY) accounts are inoperative.
• Data on inoperative PMJDY accounts by demographics (women, rural/semi-urban) or closed accounts is not centrally maintained.
• As of September 30, 2025, banks hold 7.81 crore Kisan Credit Card (KCC) accounts with Rs 10.39 lakh crore outstanding.
• Under the Stand-up India Scheme, 2.75 lakh loans totaling Rs 62,791 crore have been sanctioned.
• UPI is recognized by IMF (June 2025) as the world's largest retail fast-payment system by transaction volume and holds ~49% of global real-time payment transaction volume (ACI Worldwide 2024).

Why It Matters: 15 crore PM Jan Dhan accounts are inoperative, impacting financial inclusion goals.