Overview

• Official data show more than 56 crore PMJDY accounts with total balances of about ₹2.68 lakh crore since the programme began in 2014.
• Over 38 crore RuPay debit cards have been issued, with total digital transactions rising to 221.98 billion in 2024–25 and UPI volumes reaching 185.87 billion.
• About 67% of accounts are in rural or semi-urban areas and 56% are held by women, highlighting the scheme’s focus on underserved groups.
• During FY 2024–25, roughly ₹6.9 lakh crore was credited to beneficiaries via Direct Benefit Transfer using the JAM trinity.
• A nationwide saturation and re-KYC campaign, running through September 30, is holding camps across 2.7 lakh gram panchayats for account opening, Jansuraksha enrolment, and updates as officials cite near-saturation in bank coverage.