As informed by banks, as on 28.2.2018, 31.20 crore accounts have been opened under Pradhan Mantri Jan-Dhan Yojana (PMJDY) with aggregate deposit balances ₹ 75,572.09 crore. Of these, 25.18 crore (81%) Jan-Dhan accounts are operative. Banks are committed to enhance the number of operative Jan-Dhan accounts.

Public Sector Banks (PSBs) have reported that no such incidence has been observed presently. Moreover, Jan-Dhan accounts do not have any requirement of maintaining minimum balance.

Public Sector Banks have reported that by February 2018 only about 59 lakh (1.9%) Jan–Dhan accounts have been closed since launch of the scheme. Jan–Dhan accounts are closed as per request of the account-holder. Some of the Jan-Dhan accounts are closed due to conversion of Jan-Dhan accounts into normal savings account as per request of the account-holder. In some cases accounts are closed due to account-holder having multiple accounts in his/her name in the same bank, as per Reserve Bank of India guidelines dated 10.8.2012 applicable to Basic Savings Bank Deposit (BSBD) accounts including Jan-Dhan accounts.

This was stated by Shri Shiv Pratap Shukla, Minister of State for Finance in written reply to a question in Rajya Sabha.

No minimum balance requirement for basic deposit accounts preserves access; most Jan Dhan accounts remain operative, closures occur on request. Banks reported the scale and functioning of Jan Dhan basic deposit accounts, noting no minimum balance requirement, a majority of accounts operative, ongoing efforts to raise operability, and that closures occur mainly on account holder request or due to conversion to regular savings accounts and duplicate account rules under central bank guidelines.