Global Findex 2025: India’s Inactive Bank Accounts
Why in the news
The World Bank report tied India’s high account inactivity partly to Jan Dhan accounts.
Key facts
- Inactive means no customer-initiated transaction for 12 months or more.
- India’s rate stayed flat between 2017 and 2021.
- Many PMJDY accounts were opened for inclusion rather than active use.
| Group | Picture |
|---|---|
| India, 2021 | 35% inactive |
| Other developing economies | 5%; adult inactivity fell from 17% (2017) to 9% (2021) |
| High-income economies | Virtually all active |
| Developing world, gender | Women 5 points likelier to have inactive accounts |
Reasons cited
- Distance, mistrust of banks, no need, 40% low funds, 30% discomfort using accounts alone.
Exam angle
- Report: Global Findex 2025 (World Bank).
- Scheme linked: PMJDY.