Overview

• As of July 31, 2025, 13.04 crore of roughly 56.03–56.04 crore PMJDY accounts were classified inoperative, equating to about 23%.
• The government is running a Gram Panchayat-level saturation campaign from July 1 to September 30 focused on re-KYC and reactivation of dormant accounts.
• Under RBI norms, an account becomes dormant after two years without customer-initiated transactions, and banks contact such customers quarterly by letter, email or SMS.
• Uttar Pradesh has the most inoperative accounts at 2.75 crore, followed by Bihar at 1.39 crore and Madhya Pradesh at 1.07 crore.
• Policy disclosures alongside the data included no current plan to levy UPI charges with Rs 8,730 crore of incentives over FY 2021–22 to FY 2024–25, PSBs raising Rs 1,53,978 crore over FY 2022–25, and a marginal rise in gold-loan GNPA ratios.