India की financial inclusion journey ने एक बड़ा milestone हासिल कर लिया है, as Jan Dhan accounts across the country अब करीब Rs 2.75 lakh crore का total balance hold कर रहे हैं, according to Department of Financial Services Secretary M. Nagaraju.
📊 Average Balance Rises | औसत राशि में बढ़ोतरी
Each Jan Dhan account में अब average Rs 4,815 जमा हैं, जो यह दिखाता है कि beneficiaries सिर्फ खाते नहीं खोल रहे, बल्कि banking habits भी विकसित कर रहे हैं।
This reflects growing trust in the formal banking system and better financial literacy across segments.
🌱 ‘Nothing Short of a Miracle’ | एक अद्भुत बदलाव
Delivering the 69th Foundation Day Lecture at ASCI, Nagaraju said India’s progress in financial inclusion is “nothing short of a miracle”, as PMJDY launched in 2014 brought over 57 crore people into formal banking.
उन्होंने कहा कि यह योजना सिर्फ बैंक खाते नहीं, बल्कि आर्थिक पहचान भी लोगों को दे रही है।
🔁 DBT Drives Development | विकास में DBT की भूमिका
Financial inclusion अब Direct Benefit Transfer system से जुड़कर development model बन चुका है, and in the current financial year alone Rs 3.67 lakh crore has been transferred directly to beneficiaries.
This has ensured transparency, speed और leakages में भारी कमी।
🏡 Rural & Women Lead | ग्रामीण भारत और महिलाएं आगे
Around 78.2 per cent of Jan Dhan accounts rural and semi-urban areas में हैं, while women hold nearly 50 per cent of the total accounts.
This highlights focus on rural empowerment और women’s financial independence.
📈 Inclusion Index Improves | फाइनेंशियल इंडेक्स में उछाल
India’s Financial Inclusion Index reached 67 as of March 2025, indicating wider access, improved service quality और financial usage में निरंतर प्रगति।
The score reflects the success of PMJDY-led reforms.
💻 LIC Going Digital | LIC डिजिटल बनने की ओर
Responding to a question, Nagaraju said LIC is in final stages of digitising purchases and payouts, और fully digital services अगले कुछ महीनों में launch होने की उम्मीद है।
This move will simplify insurance access for consumers.
🏦 National Push Continues | राष्ट्रव्यापी अभियान जारी
India’s financial inclusion program continues through awareness campaigns and grassroots initiatives, and recently RBI Governor Sanjay Malhotra also reiterated in Indore that inclusion is central to growth.
✅ Conclusion | निष्कर्ष
Jan Dhan Yojana अब सिर्फ योजना नहीं, बल्कि India’s economic backbone बन चुकी है, ensuring banking access, welfare delivery और financial security for millions.
