# 12 years of Jan Dhan: 58 crore accounts, ₹3 lakh crore deposits 2026-08-15T00:31:44+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet The Pradhan Mantri Jan Dhan Yojana (PMJDY) has completed 12 years, with over 58 crore accounts and deposits exceeding ₹3 lakh crore, The Hindu reports. More than half the accounts are held by women, and three-fourths are in rural and semi-urban areas. Launched by Prime Minister Narendra Modi in 2014, the scheme became the foundation of the JAM trinity (Jan Dhan, Aadhaar, Mobile), enabling direct benefit transfers and building India's digital public infrastructure. It aimed to bring the most deprived into the formal financial system, embodying the principle of Antyodaya. ## Coverage - thehindu.com This story was synthesised by AI from the source linked above. Tags: Aadhaar, direct benefit transfer, Narendra Modi, Pradhan Mantri Jan Dhan Yojana, UPI Canonical: https://indianopinion.org/12-years-of-jan-dhan-58-crore-accounts-rs3-lakh-crore-deposits/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/12-years-of-jan-dhan-58-crore-accounts-rs3-lakh-crore-deposits/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes. How this brief was made: an AI model read the report linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/