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As of August 2023, the Pradhan Mantri Jan-Dhan Yojana in India had over ** million beneficiaries at major private sector banks. ICICI Bank Ltd had the highest number of beneficiaries with over **** million recipients, followed by HDFC Bank Ltd with nearly million recipients during the measured time period.

The Pradhan Mantri Jan-Dhan Yojana was a financial inclusion program which was applicable citizens between 18 and 65 years old. It aimed to expand and make affordable access to financial services such as bank accounts, remittances, credit, insurance and pensions. Launched in August 2014, the scheme was criticized by the opposition as an effort to please voters that has created unnecessary work-burden on public-sector banks. It claimed that the poor deserved food more than bank accounts and financial security.