UP tops the list

Leading the pack of states, Uttar Pradesh has the highest number of account holders to the tune of 3.79 crores and therefore highest deposits of Rs 10,670.62 crore. There is no need to maintain the minimum balance in a Jan-Dhan account.

West Bengal in the second position

It is followed by West Bengal with 2.44 accounts and deposits of Rs 7,826.44 crore. The government dismissed reports that all public sector banks have to give any instructions to deposit Re 1 to 2 in the zero balance in Jan Dhan accounts.

Rajasthan in third

Rajasthan comes at the third spot with 1.89 crore accounts and the deposit in these accounts totals to Rs 5,345.57 crore while Bihar with 2.62 crore accounts has deposits of Rs 4,912.79 crore as of November 16. Holders of Pradhan Mantri Jan-Dhan Yojana accounts would also get access to pension and other insurance products.

Link accounts with Aadhaar

"Banks have been asked to ensure linkage of all PMJDY accounts with Aadhaar number in a time-bound manner. PMJDY envisages channelising all government benefits to the beneficiaries of all accounts opened under the Yojana and thus trying to bring down the zero balance in such accounts by transferring Direct Benefit Transfer (DBT)," Santosh Kumar Gangwar said.

What is Pradhan Mantri Jan-Dhan Yojana

Pradhan Mantri Jan-Dhan Yojana (PMJDY) is National Mission for Financial Inclusion introduced by Prime Minister Narendra Modi to ensure access to financial services, namely, Banking/ Savings & Deposit Accounts, Remittance, Credit, Insurance, Pension in an affordable manner. Accounts can be opened across various banks in the country.