Over 15 Crore Jan Dhan Accounts Inactive, Govt Tells Lok Sabha

• 15.09 crore Jan Dhan accounts are currently inoperative out of 57.07 crore total accounts, as stated by the Finance Ministry in Lok Sabha.
• An account is classified as inoperative if there are no customer-initiated transactions for over two years, per RBI guidelines.
• Unclaimed balances for ten years must be transferred by banks to the RBI's Depositor Education and Awareness (DEA) Fund.
• Customers can reactivate an inoperative account at any time by completing the prescribed KYC requirements.
• The government does not centrally track inoperative accounts by gender/area or accounts with balances below ₹500.

Why It Matters: 15 crore inactive Jan Dhan accounts mean many may have unclaimed funds or need reactivation.