<h1>Over 115 Million Bank Accounts Opened Under PMJDY by Jan 2015, Exceeding Target and Promoting Financial Inclusion.</h1> A record 11.50 crore bank accounts have been opened under the Pradhan Mantri Jan Dhan Yojana (PMJDY) by January 17, 2015, surpassing the initial target of 7.5 crore by January 26, 2015. The initiative, recognized by the Guinness World Records, aims to enhance financial inclusion, with 60% of accounts in rural areas and 51% held by women. The scheme facilitates Direct Benefits Transfer (DBT), reducing subsidy leakages and saving government funds. Additionally, RuPay cards and insurance benefits are provided to account holders. The PMJDY is seen as a transformative economic measure, promoting digital financial inclusion and reducing cash transactions.