Pankaj Chaudhary, the Minister of State for Finance, says that 23% of the 56.04 crore Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts are not working. In a letter to the Lok Sabha, he said that as of July 31, 2025, 13.04 crore accounts have not had any transactions for more than two years. According to Reserve Bank of India rules, this is the time when a savings account is no longer active.
Uttar Pradesh has the most inactive Jan Dhan accounts, with 2.75 crore. Bihar comes in second with 1.39 crore, and Madhya Pradesh comes in third with 1.07 crore.
Chaudhary also said that the government has done a number of things to make sure these accounts work well, like moving Direct Benefit Transfers to accounts that aren’t being used. Banks must also let account holders know when their accounts are about to become inactive.
A Gram Panchayat level Saturation Campaign ran from July 1 to September 30, 2025, to get these accounts going again. One of the main goals was to re-KYC “inactive PMJDY accounts.”
Chaudhary said in response to another query that there is presently no plan to charge UPI users for transactions. He further said that the government has given about ₹8,730 crore in incentive assistance for UPI services from 2021-22 to 2024-25.