Login / Register
Lorem Ipsum is simply dumy text of the printing typesetting industry lorem ipsum.
C4S Courses Banner

Global Findex Report 2025 by World Bank

WhatsApp Channel
WhatsApp Channel
Edit Template
Telegram Channel
Telegram Channel
Edit Template
YouTube Channel
YouTube Channel
Edit Template

Context:

Over a third of bank account holders in India were no longer using the banking facilities and had inactive accounts, a World Bank report titled ‘Global Findex 2025’ said, as it cited Jan Dhan Yojana accounts as one of the likely reasons for the country’s high share of account inactivity.

Key Highlights:

India’s Bank Account Inactivity Among the Highest

  • 35% of Indian bank account holders had inactive accounts in 2021.
  • This is 7 times higher than the average 5% inactivity rate in other developing economies (excluding India).
  • Inactive account = no customer-initiated transaction for 12 months or more.

Role of Jan Dhan Yojana

  • The World Bank attributes a large part of India’s account inactivity to the Pradhan Mantri Jan Dhan Yojana (PMJDY).
  • Launched in August 2014, PMJDY led to 450 million new bank accounts by April 2022.
  • Many of these accounts were opened for inclusion, not necessarily for active financial use.

Why Are Accounts Inactive in India?

According to survey respondents:

  • Distance to financial institutions
  • Lack of trust in banks
  • No need to use the account
  • 40% said they had insufficient funds
  • 30% felt uncomfortable using accounts independently

Comparative Trends

  • India’s inactivity rate remained constant between 2017 and 2021, unlike global trends.
  • In other developing economies:
    • Inactivity among adults dropped from 17% in 2017 to 9% in 2021.
  • In high-income economies, virtually all accounts are active.
  • In developing countries, women are 5 percentage points more likely than men to have inactive accounts.

BS

Popular Online Live Classes

AIC Crash course 2025

AIC 2025 Crash Course & Test Series

Rs 1500.00

rbi 2025 mentorship and test series

RBI 2025 Mentorship & Test Series

Rs 2499.00

NABARD 2025 Mentorship and Test Series

NABARD 2025 Mentorship & Test Series

Rs 2999.00

Popular Bundle & Interview Guidance

nabard and rbi bundle mentorship and test series 2025

NABARD and RBI Combo Mentorship and Test Series 2025

Rs 4500.00

NABARD interview guidance tips and tricks

NABARD interview guidance tips and tricks

Rs 000.00

How to Prepare for NABARD & IBPS AFO Together?

Join our FREE NABARD & IBPS AFO 2025 Webinar and discover expert tips, smart prep strategies, and the secret to cracking both exams together!

View Completed Webinar

Click to reserve your seat for the RBI Grade B 2025 Winning Formula Webinar.

Most Recent Posts

  • All Posts
  • Agri Business
  • Agriculture
  • AIC
  • Answer Key
  • Banking/Finance
  • Bill and Amendment
  • Blog
  • Current Affairs
  • Cut-off Mark
  • Daily English Editorial Analysis (DEEA)
  • Daily Quiz
  • Economy
  • Fact To Remember
  • General
  • International Affairs
  • International Relationships of India
  • IRDAI
  • Job Notification
  • NABARD Grade A
  • National Affairs
  • NICL
  • Organization
  • PFRDA
  • Preparation Tips
  • Previous Year Question Papers (PYQ)
  • RBI Grade A
  • RBI Grade B
  • Recruitment Notification
  • Result
  • Scheme & Yojna
  • Sci & Tech
  • SEBI
  • Study Material
  • Syllabus & Exam Pattern
  • UIIC
  • UPSC Exam
    •   Back
    • DEEA August 2025
    •   Back
    • RBI Previous Year Question Papers (RBI PYQ)
    • SEBI Previous Year Question Papers (SEBI PYQ)
    • IRDAI Previous Year Question Papers (IRDAI PYQ)
    • NABARD Previous Year Question Papers (NABARD PYQ)
    • SIDBI Previous Year Question Papers (SIDBI PYQ)

Month-Wise Current Affairs

Category

Read More....

  • All Posts
  • Agri Business
  • Agriculture
  • AIC
  • Answer Key
  • Banking/Finance
  • Bill and Amendment
  • Blog
  • Current Affairs
  • Cut-off Mark
  • Daily English Editorial Analysis (DEEA)
  • Daily Quiz
  • Economy
  • Fact To Remember
  • General
  • International Affairs
  • International Relationships of India
  • IRDAI
  • Job Notification
  • NABARD Grade A
  • National Affairs
  • NICL
  • Organization
  • PFRDA
  • Preparation Tips
  • Previous Year Question Papers (PYQ)
  • RBI Grade A
  • RBI Grade B
  • Recruitment Notification
  • Result
  • Scheme & Yojna
  • Sci & Tech
  • SEBI
  • Study Material
  • Syllabus & Exam Pattern
  • UIIC
  • UPSC Exam
    •   Back
    • DEEA August 2025
    •   Back
    • RBI Previous Year Question Papers (RBI PYQ)
    • SEBI Previous Year Question Papers (SEBI PYQ)
    • IRDAI Previous Year Question Papers (IRDAI PYQ)
    • NABARD Previous Year Question Papers (NABARD PYQ)
    • SIDBI Previous Year Question Papers (SIDBI PYQ)

C4S Courses is one of India’s fastest-growing ed-tech platform, dedicated to helping students prepare for premier entrance exams such as NABARD Grade A and RBI Grade B.

Exam

RBI Grade B
NABARD Grade A

Download Our App

Copyright © 2024 C4S Courses. All Rights Reserved.

WhatsApp