📷 Image: Wikimedia Commons / Prime Minister's Office, Government of India
Sarkari Yojana
One in Four Jan Dhan Accounts Inactive, Uttar Pradesh Leads with Highest Inoperatives
✍️ livemint.com
🗓 06 Sep 2026, 10:18 PM
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A recent analysis shows that 25% of Jan Dhan accounts are inactive, with Uttar Pradesh having the largest share, and nearly 60 million accounts hold zero balance.
The Ministry of Finance’s latest data on the Pradhan Mantri Jan Dhan Yojana reveals that one out of every four accounts remains inoperative, indicating a significant portion of the scheme’s beneficiaries are not actively using their bank facilities.
Uttar Pradesh tops the list of states with the highest number of dormant accounts, reflecting regional disparities in financial inclusion and usage of the scheme’s services.
Across the country, close to 60 million Jan Dhan accounts show a zero balance, underscoring challenges in converting account openings into active financial participation.
Officials suggest that targeted outreach and financial literacy drives may be required to activate dormant accounts and improve the scheme’s impact on low‑income households.
Uttar Pradesh tops the list of states with the highest number of dormant accounts, reflecting regional disparities in financial inclusion and usage of the scheme’s services.
Across the country, close to 60 million Jan Dhan accounts show a zero balance, underscoring challenges in converting account openings into active financial participation.
Officials suggest that targeted outreach and financial literacy drives may be required to activate dormant accounts and improve the scheme’s impact on low‑income households.