Jan Dhan Darshak App enables GIS-based monitoring of banking infrastructure

The endeavour of the Government is to ensure availability of banking outlet [Bank branch / Business Correspondent (BC) / India Post Payments Bank (IPPB)] within 05 kilometres (kms) of all inhabited villages in the country. Availability of banking outlets is monitored by a Geographic Information System (GIS) based Application, namely, the Jan Dhan Darshak (JDD) App.

Based on the data uploaded by Banks on the JDD App., 99.92% villages in the country and 100% villages in the UT of Dadra and Nagar Haveli are covered with banking outlets (Bank Branch / BC / IPPB) within a radius of 05 kms (as on 06.03.2026). Major impediments in augmentation of banking infrastructure are lack of connectivity & infrastructure alongwith non-availability of suitable premises.

Further, as per the extant RBI guidelines, rolling out of banking outlets in uncovered areas is a continuous process looked after by the State Level Bankers’ Committee (SLBC)/ Union Territory Level Bankers Committee (UTLBC), in consultation with the concerned State Government, member banks and other stakeholders. Banks, inter-alia, consider proposals for opening banking outlets in the light of RBI’s instructions, their business plans and commercial viability. To further assess the viability for opening a banking outlet, banks carry out survey as required.

This information was given by the Minister of State in the Ministry of Finance Shri Pankaj Chaudhary in Lok Sabha today.

Banking outlet coverage through GIS monitoring expands access in villages under RBI-guided infrastructure planning. Banking outlet coverage in inhabited villages is monitored through the Jan Dhan Darshak GIS-based application, which tracks bank branches, Business Correspondents and India Post Payments Bank outlets within a five-kilometre radius. On the basis of bank-uploaded data, 99.92% of villages in the country and 100% of villages in Dadra and Nagar Haveli are covered within the prescribed radius. Expansion in uncovered areas is a continuous process under extant RBI guidelines, overseen by the State Level Bankers' Committee or Union Territory Level Bankers' Committee.