Overview

• The Finance Ministry marked the scheme’s 11th anniversary, reporting 56.16 crore bank accounts with deposits of about Rs 2.68 lakh crore.
• Officials said 67% of accounts are in rural or semi-urban areas and 56% are held by women, underscoring outreach to underserved groups.
• About 38.68 crore RuPay cards have been issued as digital payments expanded sharply to 22,198 crore transactions in FY2024-25, including 18,587 crore UPI payments.
• The government is running account-saturation and re-KYC drives through September 30 with at least one camp in each of 2.7 lakh gram panchayats to open accounts, enroll in Jansuraksha schemes, update nominations, and reactivate dormant accounts.
• PMJDY remains a principal rail for Direct Benefit Transfer, with roughly Rs 6.9 lakh crore credited in FY2024-25, while accounts offer zero-balance access, a RuPay card with Rs 2 lakh accident insurance, and an overdraft facility up to Rs 10,000.