evidence: The first claim is that ‘31.52 crore Jan Dhan accounts opened’. Responses in the Lok Sabha show that, ‘as of December 2017, a total of 30.71 crore accounts have been opened under PMJDY and more recently, ‘as per the data sourced from banks, as of January 2019, out of the total 34.03 crore PMJDY accounts, 5.06 crore accounts were having zero balance’. [...] Fact: As per data sourced from the bank, as on 23rd January of 2019, there are a total of 34.03 crore PMJDY accounts. The number is higher due to the dynamic nature of the data, hence, the claim is TRUE. However, it has to be noted that financial inclusion as a concept is not new and about 15% of the PMJDY accounts have zero balance.