Summary of this article
· The last date for Re-KYC for Jan Dhan accounts is September 30, 2025
· Over 1.7 lakh camps are being held to assist account holders
· Failure to complete re-KYC may result in transaction restrictions.
The Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts are now 10 years old, and therefore, the government is running a campaign to update KYC details in these accounts. Notably, Jan Dhan Yojana re-KYC deadline is September 30, 2025. These accounts were introduced in 2014 as an initiative to bring unbanked people within the banking ambit, people living in remote areas, and for whom maintaining a minimum balance is not feasible. So far, the initiative has been able to bring a significant number, around 56 crore people, within the banking system. As of July 30, 2025, there were 56.04 crore Jan Dhan accounts opened.
According to the Reserve Bank of India’s (RBI) guidelines risk-based approach for periodic KYC, re-KYC should be done once in every 10-years for low risk customer, once in every eight years for medium risk customers and once in every two years for high-risk customers.
So, Jan Dan Yojana Accounts, which are now 10 years old, need to be updated with the re-KYC.
What If Re-KYC Is Not Done?
The banks are conducting campaigns at the village level to inform account holders about re-KYC and get it done at the camps. Since July 1, 2025, more than 1.7 lakh camps have been organised. People can not only submit their KYC documents and update the KYC but also open new accounts, get information about different government schemes, such as pension schemes, insurance schemes, such as PM-Jeevan Jyoti Bima Yojana (PM-JBY), a life insurance scheme, and PM-Suraksha Bima Yojana (PM-SBY), an accidental insurance scheme, etc.
However, if the KYC is not completed in the account, the banks may put restrictions on the bank transactions. Moreover, if there is no customer-induced transaction in the account already, the account may have already become inactive, making KYC submission mandatory to activate the account and enable the transactions.
What Can One Do?
Jan Dhan Account holders can visit any of the camps run by the Bank to submit their KYC to keep the account active and operative. The Bank verifies the documents, and finding them satisfactory, it activates the account, typically within 1-3 days.
To avoid the account becoming inactive due to non-submission of KYC, one may visit a bank branch to complete the re-KYC process. It is simple. Once the details are updated, an SMS or email is sent to the account holder confirming the completion of re-KYC.
Note that Jan Dhan accounts are zero-balance accounts, which come with a free RuPay debit card. Unbanked individuals can avail of government subsidies in their accounts and use ATM withdrawal facilities along with the insurance schemes by paying a nominal premium.
