Pradhan Mantri Jan Dhan Yojana (PMJDY)
Cite this
Citations are auto-generated; verify before publishing. The scheme classification is PolicyDhara's, not the source's.
Government scheme — a structured programme with defined beneficiaries, budget allocation, and delivery mechanisms. The primary instrument for delivering welfare and development outcomes.
Summary
World's largest financial inclusion programme providing universal access to banking services with zero-balance accounts, RuPay debit cards, and insurance cover. Over 50 crore accounts opened since launch.
Key Facts
TypeScheme
SourceHistorical Record
PublishedThursday, 28 August 2014
Affected Population1.4 billion citizens, 63 million MSMEs
Key Numbers
GDP: $3.9 trillion (2025 est.)
Fiscal deficit target: 4.4% of GDP
GST collection: Rs 1.87 lakh crore/month avg
PM-JAY: 55 crore beneficiaries
Key Authorities
Key Stakeholders
Government Context
NDA IBJP-led NDA
LeftCentreRight