Jan Dhan Yojana Balance Surge

The Jan Dhan Yojana Balance has reached a record level of ₹2.75 lakh crore as of 22 October 2025, marking a major milestone in India’s financial inclusion journey. This update is extremely important for SSC CGL, CHSL, MTS, GD, and banking exams, as the Pradhan Mantri Jan Dhan Yojana (PMJDY) continues to be a major topic under government schemes and the Indian economy.

PMJDY Performance Overview (October 2025)

• Total Jan Dhan Yojana Balance: ₹2,75,057 crore

• Total Accounts: 56.85 crore

• Public Sector Banks Contribution: ₹2.15 lakh crore

• Regional Rural Banks Contribution: ₹51,489 crore

• Private Sector Banks Contribution: ₹8,149 crore

This rise in the Jan Dhan Yojana Balance is supported by direct benefit transfers, government schemes, rising account activity, and the reactivation of dormant accounts.

Why the Jan Dhan Yojana Balance is Increasing Rapidly

The main reason for the rise in Jan Dhan Yojana Balance is the government’s Financial Inclusion Saturation Programme (July–September 2025). This programme was launched by the Department of Financial Services (DFS) to strengthen the usage of PMJDY accounts.

The programme focused on:

• Promoting enrollment under PMJDY, PMJJBY, PMSBY, and Atal Pension Yojana

• Completing KYC re-verification for dormant accounts

• Improving Jan Dhan account usage in unbanked and underbanked regions

• Enhancing DBT benefits to increase deposits

As of August 2025, nearly 13 crore accounts were inactive, but by September's end, 5% of these accounts were reactivated, contributing significantly to the increased Jan Dhan Yojana Balance.

Role of Jan Dhan Accounts in Financial Inclusion

The PMJDY scheme continues to be the largest financial inclusion programme in the world.

It offers:

• Zero-balance bank accounts

• RuPay debit card facilities

• Overdraft services

• DBT-linked government subsidies

• Access to insurance and pension schemes

With millions of people using these accounts actively, the Jan Dhan Yojana Balance continues to grow every year.

How to Check the Jan Dhan Yojana Balance

Understanding how citizens can check their Jan Dhan Yojana balance is useful for SSC exams, as questions often test awareness of public service accessibility.

1. How to check Jan Dhan Yojana Balance online

• Users can log in to their bank’s mobile app or official website to view their PMJDY account balance status and transactions.

2. Jan Dhan Yojana Balance through missed call

• Most banks provide a dedicated Jan Dhan balance enquiry number. A missed call from the registered mobile number shows the latest balance instantly.

3. Steps to check PMJDY balance through mobile

• Install the bank’s mobile app

• Log in using customer details

• View Jan Dhan account deposit update under the account section

4. Jan Dhan Yojana Balance check without internet

• Users can dial the USSD code *99#, available across all mobile networks, to access balance details without internet.

• These methods ensure simple access to Jan Dhan Yojana Balance information for every account holder.

Government Update on PMJDY Total Deposits

Government reports confirm that the PMJDY total balance for 2025 has crossed ₹2.75 lakh crore. This growth is supported by DBTs such as PM-KISAN, pension schemes, LPG subsidy, and other welfare programmes. This clearly explains the steady Jan Dhan Yojana Balance growth across all states.

Exam Importance: Why SSC Aspirants Must Learn This

SSC examinations often include current affairs questions such as:

• Total Jan Dhan Yojana Balance in 2025

• Number of beneficiaries under PMJDY

• Features and benefits of the scheme

• Reason behind rising Jan Dhan Balance

• Role of PSBs, RRBs, and private banks

• Details of the Financial Inclusion Saturation Programme

This makes the topic highly relevant for exam preparation.

Quick Revision Notes

• Jan Dhan Yojana Balance: ₹2.75 lakh crore (as of Oct 2025)

• Accounts: 56.85 crore

• Increase due to DBT, welfare schemes, and account reactivation

• 5% of inactive accounts reactivated during the Financial Inclusion Saturation Programme

• Checking Jan Dhan Yojana Balance possible via online banking, mobile apps, missed call, and USSD services

• PSBs hold the highest share of PMJDY deposits

Final Thoughts

The Jan Dhan Yojana Balance has reached a record ₹2.75 lakh crore as of October 2025, reflecting India’s growing financial inclusion. With over 56.85 crore Jan Dhan accounts, the rise in deposits is driven by direct benefit transfers, government schemes, and the recent reactivation of dormant accounts.

A special Financial Inclusion Saturation Programme helped complete re-KYC for millions of inactive accounts, increasing account activity and deposits.

Public sector banks hold the largest share of the Jan Dhan Yojana Balance, followed by regional rural banks. This growth highlights stronger banking access, improved digital usage, and deeper financial participation across the country.