Banking the nation: A 2025 Snapshot of PMJDY's impact and inoperative in Kerala

The Pradhan Mantri Jan Dhan Yojana (PMJDY), India's flagship financial inclusion program launched in 2014, continues to evolve in 2025 to address challenges like account dormancy, enhance accessibility, and deepen integration with digital and social security ecosystems. While the core framework remains focused on zero-balance accounts, RuPay debit cards, and overdraft facilities, recent reforms emphasize operational efficiency, inclusivity, and technology-driven improvements. These updates build on the scheme's 11th anniversary milestones in August 2025, where over 56 crore accounts were opened, with deposits exceeding ₹2.68 lakh crore and 56% held by women. The present study takes a peep into the current scenario of PMJDY in terms of accounts opened, household reports etc. The article is purely based on the secondary data collected from the related official websites.