UP News: Balance of 20 lakh Jan Dhan accounts of eight districts in UP zero, banks put these accounts in suspicious category.

Lucknow. There is not a single penny in the 20 lakh Jan Dhan accounts opened in 8 districts of UP. Of these, four districts are from Purvanchal and four from Western UP. Among these, women have more accounts than men. These accounts have become a burden for banks as banks have to spend Rs 700 crore annually to keep them active. At the same time, banks have put these accounts with zero balance in the suspicious category as Money Mule Accounts.

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This has come to light in the report of Jan Dhan Accounts sent by banks to the state government. The report states that the total number of Jan Dhan accounts in UP is 10.22 crore. At the same time, there are 57.58 crore accounts in the country. In this context, UP’s share is about 18 percent, which is the highest in the country. Of these, 53 percent are women account holders and more than Rs 58 thousand crore are deposited in them. There are more than 1.60 crore Jan Dhan accounts in eight districts of Purvanchal and Paschimanchal. Of these, the balance of 20 lakh accounts is zero. About Rs 7800 crore is deposited in the remaining accounts.

700 crores are being spent annually

Banks have to spend around Rs 3500 every year to keep a Jan Dhan account active and maintained. This expense includes IT infrastructure, staff salaries and branch maintenance. In this way, banks have to bear the burden of Rs 700 crore every year in maintaining the empty accounts of these 8 districts alone.

money mule account

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Banks suspect empty or inactive Jan Dhan accounts as money mules because they can be used by criminals to launder illicit funds or divert cyber fraud money. When a large amount of money suddenly arrives in an account that has been lying idle for a long time and is immediately withdrawn, the bank considers it a suspicious activity. Such accounts often do not have updated KYC, taking advantage of which there is a possibility of cyber criminals operating them through fake documents.