If not updated within 3 days, your Jan Dhan account will be closed. Learn about the benefits and important rules.

Jan Dhan Re-KYC Deadline: The Pradhan Mantri Jan Dhan Yojana (PMJDY) has completed 10 years. The scheme was launched in 2014 and has now become the financial lifeline for millions of families. Now, since updating KYC is mandatory after 10 years of opening a bank account, the government has instructed all Jan Dhan account holders to complete their re-KYC by September 30th, 2025. If you have a Jan Dhan account and haven't yet completed your re-KYC, you have only 3 days left. Failure to do so may result in the bank closing your account.

Growing Number of Jan Dhan Accounts

Year Number of accounts (in crores)

2015	14.72 crore
2017	28.17 crore
2019	35.27 crore
2021	42.20 crore
2023	48.65 crore
2025	56.16 crore

The number of Jan Dhan Yojana accounts has increased more than fourfold in 10 years.

What is Re-KYC and why is it necessary?

Re-KYC means updating your bank records, such as name, address, photo, and identity card, to ensure account security, fraud prevention, and uninterrupted banking services.

Which account holders will need to undergo Re-KYC?

The 10-year KYC validity period for Jan Dhan accounts opened in 2014-2015 is now expiring. Re-KYC is mandatory for these accounts to remain active. To achieve this, government banks are organizing special camps at the Gram Panchayat level across the country from July 1 to September 30, 2025. Bank officials are going door-to-door to facilitate Re-KYC. So far, camps have been set up in more than 100,000 panchayats, and millions of people have updated their documents.

What will happen if re-KYC is not done?

The account will become inactive.

Money transactions may stop.

Subsidies and benefits from government schemes will not be credited to the account.

Benefits of a Jan Dhan Account

Account holders under the Jan Dhan Yojana receive several benefits:

Zero Balance Account: Account opening is possible even without a minimum balance.

RuPay Debit Card: Free card for transactions at ATMs and shops.

₹2 lakh Accident Insurance: Insurance cover with a RuPay card.

Overdraft Facility: Loans up to ₹10,000 are available.

Direct Benefit Transfer (DBT): Government subsidies are credited directly to the account.

Interest on Savings: Interest is available like regular savings accounts.

Account Opening Process

Aadhaar Card (most important) – If not, a Voter ID, Driving License, Passport, or other government ID will suffice.

Proof of Address – If the address in Aadhaar is correct, that is sufficient; otherwise, an electricity bill, ration card, etc. will be valid.

Passport-sized photographs – 1-2 photographs are required.

You can fill out the form by visiting your nearest bank, post office, or Bank Mitra. Many banks now offer online account opening.

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