{"id":37945,"date":"2025-08-30T14:56:51","date_gmt":"2025-08-30T09:26:51","guid":{"rendered":"https:\/\/edunovations.com\/currentaffairs\/?p=37945"},"modified":"2025-08-30T14:56:54","modified_gmt":"2025-08-30T09:26:54","slug":"pm-jan-dhan-yojana-2025-updates","status":"publish","type":"post","link":"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/","title":{"rendered":"PM Jan Dhan Yojana 2025 Updates: 11 Years of Financial Inclusion and Women Empowerment"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#PM_Jan_Dhan_Yojana_2025_updates_%E2%80%93_Over_5458_crore_accounts_opened_557_held_by_women_Learn_about_financial_inclusion_DBT_benefits_and_exam-relevant_insights\" >PM Jan Dhan Yojana 2025 updates \u2013 Over 54.58 crore accounts opened, 55.7% held by women. Learn about financial inclusion, DBT benefits, and exam-relevant insights.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#%E2%80%9CPM_Jan_Dhan_Yojana_A_Decade_of_Financial_Inclusion_and_Empowerment%E2%80%9D\" >&#8220;PM Jan Dhan Yojana: A Decade of Financial Inclusion and Empowerment&#8221;<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Establishing_Financial_Foundations_%E2%80%93_PMJDYs_Journey_So_Far\" >Establishing Financial Foundations \u2013 PMJDY&#8217;s Journey So Far<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Women_Leading_the_Charge\" >Women Leading the Charge<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Robust_Financial_Activation_Social_Security_Integration\" >Robust Financial Activation &amp; Social Security Integration<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Strength_Amid_Challenges\" >Strength Amid Challenges<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Whats_Next_Expanding_the_Reach\" >What\u2019s Next? Expanding the Reach<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#B_Why_This_News_Is_Important\" >B) Why This News Is Important<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Boosts_Financial_Literacy_Inclusion\" >Boosts Financial Literacy &amp; Inclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Catalyst_for_Wider_Social_Protection\" >Catalyst for Wider Social Protection<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Empowers_Women_%E2%80%94_A_Game_Changer\" >Empowers Women \u2014 A Game Changer<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Encourages_Savings_Economic_Resilience\" >Encourages Savings &amp; Economic Resilience<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Aligns_With_Exam_Syllabus_for_Governance_Economy\" >Aligns With Exam Syllabus for Governance &amp; Economy<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#C_Historical_Context\" >C) Historical Context<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#D_Key_Takeaways_from_%E2%80%9CPM_Jan_Dhan_Yojana_A_Decade_of_Financial_Inclusion_and_Empowerment%E2%80%9D\" >D) Key Takeaways from &#8220;PM Jan Dhan Yojana: A Decade of Financial Inclusion and Empowerment&#8221;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#FAQs_Frequently_Asked_Questions\" >FAQs: Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#1_What_is_the_objective_of_PM_Jan_Dhan_Yojana\" >1. What is the objective of PM Jan Dhan Yojana?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#2_When_was_the_PMJDY_launched\" >2. When was the PMJDY launched?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#3_How_many_accounts_have_been_opened_under_PMJDY_till_January_2025\" >3. How many accounts have been opened under PMJDY till January 2025?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#4_What_percentage_of_PMJDY_accounts_belong_to_women\" >4. What percentage of PMJDY accounts belong to women?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#5_Which_state_recently_achieved_100_coverage_of_PMJDY\" >5. Which state recently achieved 100% coverage of PMJDY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#6_What_is_the_average_balance_in_PMJDY_accounts_in_2024\" >6. What is the average balance in PMJDY accounts in 2024?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#7_What_social_security_schemes_are_linked_with_PMJDY\" >7. What social security schemes are linked with PMJDY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#8_What_is_the_Guinness_World_Record_associated_with_PMJDY\" >8. What is the Guinness World Record associated with PMJDY?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#9_What_is_the_governments_plan_for_PMJDY_in_FY_2024%E2%80%9325\" >9. What is the government\u2019s plan for PMJDY in FY 2024\u201325?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#10_Why_is_PMJDY_important_for_competitive_exams\" >10. Why is PMJDY important for competitive exams?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/edunovations.com\/currentaffairs\/national\/pm-jan-dhan-yojana-2025-updates\/#Some_Important_Current_Affairs_Links\" >Some Important Current Affairs Links<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"PM_Jan_Dhan_Yojana_2025_updates_%E2%80%93_Over_5458_crore_accounts_opened_557_held_by_women_Learn_about_financial_inclusion_DBT_benefits_and_exam-relevant_insights\"><\/span>PM Jan Dhan Yojana 2025 updates \u2013 Over 54.58 crore accounts opened, 55.7% held by women. Learn about financial inclusion, DBT benefits, and exam-relevant insights.<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E2%80%9CPM_Jan_Dhan_Yojana_A_Decade_of_Financial_Inclusion_and_Empowerment%E2%80%9D\"><\/span>&#8220;PM Jan Dhan Yojana: A Decade of Financial Inclusion and Empowerment&#8221;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Establishing_Financial_Foundations_%E2%80%93_PMJDYs_Journey_So_Far\"><\/span><strong>Establishing Financial Foundations \u2013 PMJDY&#8217;s Journey So Far<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Launched on <strong>28 August 2014<\/strong>, the <strong>Pradhan Mantri Jan Dhan Yojana (PMJDY)<\/strong> was envisioned as a nationwide financial inclusion mission to bring every unbanked individual into the formal banking fold  Since then, it has registered extraordinary expansion: as of <strong>January 15, 2025<\/strong>, the scheme has crossed <strong>54.58 crore<\/strong> bank accounts, with women constituting <strong>55.7%<\/strong> of the holders<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Women_Leading_the_Charge\"><\/span><strong>Women Leading the Charge<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>PMJDY\u2019s emphasis on gender inclusion shines through: over <strong>30.37 crore<\/strong> accounts have been opened in women\u2019s names by early 2025 This aligns with earlier milestones: after 10 years, approximately <strong>55.6%<\/strong> of accounts belonged to women, and <strong>66.6%<\/strong> of accounts were in rural and semi-urban regions <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Robust_Financial_Activation_Social_Security_Integration\"><\/span><strong>Robust Financial Activation &amp; Social Security Integration<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>PMJDY has evolved beyond account opening. As of August 2024, the total deposit balance stood at <strong>\u20b92.3 trillion<\/strong>, and the average account balance rose from just \u20b91,065 in 2015 to <strong>\u20b94,352<\/strong> Importantly, PMJDY has served as a gateway for social security schemes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PMJJBY<\/strong> enrollments: 22.52 crore<\/li>\n\n\n\n<li><strong>PMSBY<\/strong> enrollments: 49.12 crore<\/li>\n\n\n\n<li><strong>APY<\/strong> enrollments: 7.25 crore<br>Earlier stats (July 2024) showed similar figures: ~52.81 crore accounts, 29.37 crore with women, and strong rural participation <\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Strength_Amid_Challenges\"><\/span><strong>Strength Amid Challenges<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Not all accounts remain operative. As of November 2024, there were about <strong>11.30 crore inoperative accounts<\/strong>, holding \u20b914,750 crore in dormant deposits That said, the share of inactive accounts in public sector banks decreased significantly\u2014from <strong>39.62%<\/strong> in March 2017 to <strong>20.91%<\/strong> by late 2024, reflecting active re-engagement efforts<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Whats_Next_Expanding_the_Reach\"><\/span><strong>What\u2019s Next? Expanding the Reach<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The government\u2019s plan for the <strong>fiscal year 2024\u201325<\/strong> includes adding another <strong>3 crore<\/strong> PMJDY accounts States like <strong>Telangana<\/strong> have achieved <strong>100% adult coverage<\/strong> with elaborations like simplified e-KYC and increased RuPay insurance benefits Additionally, states such as <strong>Rajasthan<\/strong> and <strong>Andhra Pradesh<\/strong> are conducting saturation campaigns to reactivate inactive accounts and boost coverage of social security schemes <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\" id=\"PM-Jan-Dhan-Yojana-2025-updates\"><img decoding=\"async\" src=\"https:\/\/currentaffairs.adda247.com\/wp-content\/uploads\/multisite\/sites\/5\/2025\/08\/28072649\/PM-Jan-Dhan-Yojana-Eleven-Years-of-Financial-Inclusion-and-Direct-Benefit-Empowerment-1.jpg\" alt=\"PM Jan Dhan Yojana 2025 updates\" title=\"PM Jan Dhan Yojana 2025 updates\"\/><figcaption class=\"wp-element-caption\">PM Jan Dhan Yojana 2025 updates<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"B_Why_This_News_Is_Important\"><\/span>B) <strong>Why This News Is Important<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Boosts_Financial_Literacy_Inclusion\"><\/span><strong>Boosts Financial Literacy &amp; Inclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>PMJDY\u2019s expansion means millions, especially from underserved and rural areas, now actively participate in the financial system. This inclusion is critical for achieving equitable economic development.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Catalyst_for_Wider_Social_Protection\"><\/span><strong>Catalyst for Wider Social Protection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>By acting as the infrastructure for <strong>DBT<\/strong>, insurance, pensions, and other schemes, PMJDY significantly improves the reach and delivery of welfare benefits while minimizing leakages.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Empowers_Women_%E2%80%94_A_Game_Changer\"><\/span><strong>Empowers Women \u2014 A Game Changer<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Women&#8217;s majority ownership\u2014over <strong>55%<\/strong> of PMJDY accounts\u2014is transformative, fostering financial independence and decision-making power among women across the country.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Encourages_Savings_Economic_Resilience\"><\/span><strong>Encourages Savings &amp; Economic Resilience<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Rising average balances\u2014from \u20b91,065 to over \u20b94,300 in under a decade\u2014highlight growing savings habits. Active accounts also support more efficient fiscal management and life-event resilience.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Aligns_With_Exam_Syllabus_for_Governance_Economy\"><\/span><strong>Aligns With Exam Syllabus for Governance &amp; Economy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>PMJDY intersects themes like financial inclusion, gender equity, rural policy, and public welfare delivery\u2014essential content areas for exams targeting civil services, banking, teaching, and administrative roles.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"C_Historical_Context\"><\/span>C) <strong>Historical Context<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Origins &amp; Launch:<\/strong><br>Announced on <strong>15 August 2014<\/strong>, PMJDY was launched on <strong>28 August 2014<\/strong> to address &#8220;financial untouchability&#8221; and link every Indian to formal banking On launch day, <strong>15 million accounts<\/strong> were opened, fulfilling a Guinness World Record for the most accounts opened in a week <\/p>\n\n\n\n<p><strong>Early Momentum:<\/strong><br>By early years, the scheme saw rapid adoption. By 2015\u20132022, account numbers rose to <strong>46.25 crore<\/strong>, deposits crossed \u20b91.7 lakh crore, and creditors like RuPay cards and DBT channels became prominent <\/p>\n\n\n\n<p><strong>Social Security Integration:<\/strong><br>PMJDY became the backbone for programs like PMJJBY, PMSBY, and APY. Over time, it evolved into a key enabler of welfare and inclusion policies <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"D_Key_Takeaways_from_%E2%80%9CPM_Jan_Dhan_Yojana_A_Decade_of_Financial_Inclusion_and_Empowerment%E2%80%9D\"><\/span>D) <strong>Key Takeaways from &#8220;PM Jan Dhan Yojana: A Decade of Financial Inclusion and Empowerment&#8221;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>S. No.<\/th><th>Key Takeaway<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td>Over <strong>54.58 crore<\/strong> PMJDY accounts opened by Jan 2025; <strong>55.7%<\/strong> held by women.<\/td><\/tr><tr><td>2<\/td><td>Average account balance rose to \u20b94,352 by August 2024, from just \u20b91,065 in 2015.<\/td><\/tr><tr><td>3<\/td><td>PMJDY integrates social schemes\u2014<strong>PMJJBY (22.52 cr)<\/strong>, <strong>PMSBY (49.12 cr)<\/strong>, <strong>APY (7.25 cr)<\/strong>.<\/td><\/tr><tr><td>4<\/td><td>Significant drop in inoperative accounts\u2014from <strong>39.62%<\/strong> (2017) to <strong>20.91%<\/strong> (2024).<\/td><\/tr><tr><td>5<\/td><td>India aims to add <strong>3 crore more accounts<\/strong> in FY 2024\u201325; Telangana achieved <strong>100% coverage<\/strong>.<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">PM Jan Dhan Yojana 2025 updates<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs_Frequently_Asked_Questions\"><\/span><strong>FAQs: Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_What_is_the_objective_of_PM_Jan_Dhan_Yojana\"><\/span><strong>1. What is the objective of PM Jan Dhan Yojana?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The scheme aims to provide universal access to financial services such as bank accounts, credit, insurance, pensions, and Direct Benefit Transfers (DBT) for all households, especially the unbanked.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_When_was_the_PMJDY_launched\"><\/span><strong>2. When was the PMJDY launched?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It was officially launched on <strong>28 August 2014<\/strong> by Prime Minister Narendra Modi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_How_many_accounts_have_been_opened_under_PMJDY_till_January_2025\"><\/span><strong>3. How many accounts have been opened under PMJDY till January 2025?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>As of <strong>15 January 2025<\/strong>, more than <strong>54.58 crore accounts<\/strong> have been opened.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_What_percentage_of_PMJDY_accounts_belong_to_women\"><\/span><strong>4. What percentage of PMJDY accounts belong to women?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Over <strong>55.7%<\/strong> of Jan Dhan accounts are held by women, highlighting the scheme\u2019s focus on gender inclusion.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Which_state_recently_achieved_100_coverage_of_PMJDY\"><\/span><strong>5. Which state recently achieved 100% coverage of PMJDY?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>Telangana<\/strong> has achieved complete coverage of PMJDY for all adults.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_What_is_the_average_balance_in_PMJDY_accounts_in_2024\"><\/span><strong>6. What is the average balance in PMJDY accounts in 2024?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The average account balance increased to around <strong>\u20b94,352<\/strong> in 2024, compared to just \u20b91,065 in 2015.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_What_social_security_schemes_are_linked_with_PMJDY\"><\/span><strong>7. What social security schemes are linked with PMJDY?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>PMJDY accounts are linked with <strong>PMJJBY (insurance), PMSBY (insurance), and APY (pension scheme)<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_What_is_the_Guinness_World_Record_associated_with_PMJDY\"><\/span><strong>8. What is the Guinness World Record associated with PMJDY?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>On the launch day in August 2014, <strong>15 million bank accounts<\/strong> were opened, earning a Guinness World Record.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_What_is_the_governments_plan_for_PMJDY_in_FY_2024%E2%80%9325\"><\/span><strong>9. What is the government\u2019s plan for PMJDY in FY 2024\u201325?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>The government plans to open an additional <strong>3 crore accounts<\/strong> during the fiscal year.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_Why_is_PMJDY_important_for_competitive_exams\"><\/span><strong>10. Why is PMJDY important for competitive exams?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It integrates topics of <strong>financial inclusion, women empowerment, rural development, and welfare delivery systems<\/strong>, which are crucial for <strong>UPSC, SSC, banking, teaching, and state PSC exams<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Some_Important_Current_Affairs_Links\"><\/span>Some Important Current Affairs Links<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/national\/\" target=\"_blank\" rel=\"noreferrer noopener\">State Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/sports\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sports Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--3\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/international\/\" target=\"_blank\" rel=\"noreferrer noopener\">International Current Affairs<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/banking\/\" target=\"_blank\" rel=\"noreferrer noopener\">Banking Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/railway\/\" target=\"_blank\" rel=\"noreferrer noopener\">Railways Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/defence\/\" target=\"_blank\" rel=\"noreferrer noopener\">Defence Current Affairs<\/a><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--4\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs?newsmaticargs=custom&amp;posts=today\" target=\"_blank\" rel=\"noreferrer noopener\">Daily Current Affairs<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--5\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairsinhindi\/\" target=\"_blank\" rel=\"noreferrer noopener\">Current Affairs In Hindi<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--6\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/edunovations.com\/currentaffairs\/category\/news-and-notifications\/\" target=\"_blank\" rel=\"noreferrer noopener\">News and Notifications<\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.edunovations.quiz\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"900\" height=\"150\" src=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1.jpg\" alt=\"Download this App for Daily Current Affairs MCQ&#039;s\" class=\"wp-image-247\" title=\"\" srcset=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1.jpg 900w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1-300x50.jpg 300w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/03\/Banner-current-affairs-2-1-768x128.jpg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/a><figcaption class=\"wp-element-caption\">Download this App for Daily Current Affairs MCQ&#8217;s<\/figcaption><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\" id=\"News-Website-Development-Company\"><a href=\"https:\/\/www.martindiainfotech.com\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" width=\"900\" height=\"150\" src=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner.png\" alt=\"News Website Development Company\" class=\"wp-image-438\" title=\"News Website Development Company\" srcset=\"https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner.png 900w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner-300x50.png 300w, https:\/\/edunovations.com\/currentaffairs\/wp-content\/uploads\/2023\/04\/News-Website-Development-Company-Banner-768x128.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><\/a><figcaption class=\"wp-element-caption\">News Website Development Company<\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>PM Jan Dhan Yojana 2025 updates \u2013 Over 54.58 crore accounts opened, 55.7% held by women. Learn about financial inclusion, DBT benefits, and exam-relevant insights. &#8220;PM Jan Dhan Yojana: A Decade of Financial Inclusion and Empowerment&#8221; Establishing Financial Foundations \u2013 PMJDY&#8217;s Journey So Far Launched on 28 August 2014, the Pradhan Mantri Jan Dhan Yojana&#8230;<\/p>\n","protected":false},"author":6,"featured_media":37975,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,159],"tags":[6630,13652,4426,466,248,19025,27169,27168,357],"class_list":["post-37945","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national","category-scheme_and_committees","tag-banking-reforms","tag-competitive-exams-current-affairs","tag-direct-benefit-transfer","tag-financial-inclusion","tag-government-schemes","tag-pmjdy","tag-rural-banking-india","tag-telangana-pmjdy-coverage","tag-women-empowerment"],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/37945","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/comments?post=37945"}],"version-history":[{"count":2,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/37945\/revisions"}],"predecessor-version":[{"id":37976,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/posts\/37945\/revisions\/37976"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media\/37975"}],"wp:attachment":[{"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/media?parent=37945"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/categories?post=37945"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edunovations.com\/currentaffairs\/wp-json\/wp\/v2\/tags?post=37945"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}