Bihar ranks second in RuPay card usage under PMJDY in the country
Bihar has secured the second position in India for RuPay card usage among Pradhan Mantri Jan Dhan Yojana (PMJDY) beneficiaries, with over 4.98 million active cardholders. The growth is attributed to the adoption of digital banking tools like Green PIN and the expansion of micro-ATM networks in rural areas.
Why it matters
This trend highlights the successful integration of millions of first-time banking users into India's formal financial system, signaling a significant shift toward a digital-first economy in historically underserved regions.
Bihar has ranked second in terms of RuPay card usage among beneficiaries of the Pradhan Mantri Jan Dhan Yojana (PMJDY). There are more than 4.98 crore RuPay cardholders in the State.
However, the total number of PM Jan Dhan account holders in Bihar is 6.87 crore indicating that the number of RuPay cardholders is still lower than the total number of account holders.
Bihar has the second-highest number of RuPay cardholders in the country after Uttar Pradesh, which has 7.16 crore cardholders. Bihar is followed by West Bengal with 3.76 crore users, Madhya Pradesh with 3.51 crore, and Maharashtra with 2.72 crore.
These figures were released by the Union Ministry of Finance on July 23, 2026, which could be regarded as Bihar government’s significant accomplishments in the financial sector, thus reflecting the State’s growing adoption of digital banking and financial inclusion initiatives.
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