Overview

• 13.04 crore PMJDY accounts were inactive as of July 31, representing 23% of the total 56.03 crore accounts.
• Uttar Pradesh leads with 2.75 crore dormant accounts, followed by Bihar (1.39 crore) and Madhya Pradesh (1.07 crore).
• Tens of thousands of Gram Panchayat-level camps have reached roughly 100,000 panchayats to carry out re-KYC and nominee updates.
• Banks notify customers before accounts go dormant and follow up quarterly, and Direct Benefit Transfers continue to be credited to inactive accounts.
• There is no proposal for UPI transaction charges, and the government provided about ₹8,730 crore in UPI incentives between FY2021-22 and FY2024-25.