India has achieved near-universal banking coverage, with 99.92% of inhabited villages (6,00,868 out of 6,01,328) now having access to a banking outlet—including bank branches, Business Correspondents (BCs), or India Post Payments Bank (IPPB)—within a 5 km radius, according to data on the Jan Dhan Darshak (JDD) app.
As of July 17, 2026, the country's banking network comprised over 1.81 lakh bank branches, 17.36 lakh Business Correspondents, and 1.65 lakh IPPB centres. The government said it continues to work with the RBI and State Level Bankers' Committees (SLBCs) to extend banking access to the remaining uncovered villages.
The government also highlighted that 58.77 crore Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts are currently active, with deposits totalling Rs 3.12 lakh crore.
To improve financial inclusion and agricultural credit delivery, the government has expanded digital initiatives such as the Jan Samarth Portal, Kisan Rin Portal, and e-KYC systems. It also outlined measures to strengthen digital payment security, including the establishment of the India Digital Payment Intelligence Corporation (IDPIC), RBI's MuleHunter AI tool, and continued public awareness campaigns to combat cyber fraud.