evidence: Narendra Modi government's financial inclusion scheme, Pradhan Mantri Jan Dhan Yojana (PMJDY), enrolled over 40 crore bank accounts, of which 55 per cent are held by women. As the scheme completes six years since its inception, of the total accounts, 86 per cent are operational. [...] According to the RBI guidelines, a PMJDY account is treated as inoperative if there are no customer-induced transactions in the account for over a period of two years. So, applying his condition, as on August 20, out of total 40.35 crore PMJDY accounts, 34.81 crore (86.3%) are operative. Continuous increase in percentage of operative accounts is an indication that more and more of these accounts are being used by customers on a regular basis, the officials said. As on 19th August 2020, 63.6 percent accounts were in the rural areas. [...] Under the PM Garib Kalyan Yojana, an amount of Rs 500 per month for three months (April’20 to June’20), was credited to the accounts of women account holders under Pradhan Mantri Jan Dhan Yojana (PMJDY). A total of Rs. 30,705 crore have been credited in accounts of women PMJDY account holders during April-June, 2020.