The Indian Express tracked accounts in UP, MP, Assam, Bihar, Chhattisgarh and Rajasthan. Account numbers withheld on grounds of privacy
1. Account Holder: Ajit Kumar Das
Account opened: Sept 15, 2014
₹ 1 deposited on Feb 25, 2016
Ajit Das: “I am surprised to know about this deposit.”
* When contacted, a branch official said: “I joined the branch recently, I don’t know anything about this.”
Punjab and Sind Bank
Branch: Rajgarh Road, Guwahati
2.Account Holder: Mina Talukdar
Account opened: Not available
₹ 5 deposited on June 4, 2016
Mina Talukdar: “I didn’t make any deposit.”
3.Account Holder: Siddharth Dey
Account opened: Nov 14, 2014
₹ 5 deposited on June 4, 2016
Siddharth Dey: “I did not deposit the ₹5.”
4.Account Holder: Shaidul Haque
Account opened: Not available
₹ 5 deposited on Sept 5, 2015
Shaidul Haque: “I don’t know who deposited the ₹ 5.”
5.Account Holder: Matali Dutta Roy
Account opened: Oct 2014
₹ 1 deposited on March 2, 2015
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Subhash Roy, Matali’s husband: “My wife didn’t make any deposit of₹ 1.”
6.Account Holder: Noor Hassina Ahmed
Account opened: Not available
₹ 1 deposited on December 14, 2015
Noor Hassina Ahmed: “I am not aware who deposited the₹ 1.”
7.Account Holder: Hazarat Ali
Account opened: Not available
₹ 1 deposited on December 14, 2015
Hazarat Ali: “I did not deposit any money.”
* When contacted, a branch official said: “There are no such instances at my branch. Why will I deposit my own money in Jan Dhan accounts?”
Watch Video | Falling Zero-Balance Jan Dhan Accounts: The One Rupee Trick
Bihar
Punjab National Bank
Branch: Barh
8.Account Holder: Kamli Devi
Account opened: Nov 22, 2014
₹ 1 deposited on Oct 13, 2015
Kamli Devi: “I don’t know about this ₹ 1.”
9.Account Holder: Laxman Chaudhary
Account opened: May 20, 2015
₹ 1 deposited on Oct 13, 2015.
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Laxman Chaudhary: “I am yet to make any deposit in this account.”
10.Account Holder: Lallu Paswan
Account opened: May 6, 2015
₹ 1 deposited on Oct 13, 2015
Lallu Paswan: “I did not deposit the ₹ 1.”
11.Account Holder: Ramsheesh Chaudhary
Account opened: April 30, 2015
₹ 1 deposited on Oct 13, 2015
Ramsheesh Chaudhary: “I did not deposit the ₹ 1.”
* When contacted, a senior bank official said: “We took the money from funds earmarked for the bank’s expenditure and put ₹ 1 or ₹ 2 in accounts having zero balance. This was just to keep those accounts operational.”
Chhattisgarh
Bank of Baroda
Branch: Amleshwar, Durg
12.Account Holder: Laxmi Sonkar
Account opened: March 9, 2015
₹ 5 deposited on Aug 19, 2015
Namichand, husband of Laxmi Sonkar: “I did not deposit any money in the account.”
13.Account Holder: Bhikhram Yadav
Account opened: August 26, 2014
₹ 5 deposited on August 14, 2015
Bhikhram Yadav: “I did not deposit any money.”
* When contacted, a branch official said: “I am not supposed to give these details to anyone other than account-holders.”

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Madhya Pradesh
Union Bank of India
Branch: MP Nagar, Bhopal
14.Account Holder: Rajesh Rao
Account opened: Aug 28, 2014
₹ 2 deposited on June 28, 2016
Rajesh Rao: “I don’t know from where ₹ 2 came to my account.”
15.Account Holder: Nirmala Bai
Account opened: Aug 28, 2014
₹ 2 deposited on Feb 18, 2016
Nirmala Bai: “I did not deposit the money.”
* When contacted, a branch official said: “The branch didn’t deposit any amount. Customers may have forgotten that they deposited the money.”
Bank of India
Branch: Raatibad, Bhopal
16.Account Holder: Nizam Khan
Account opened: Sept 16, 2014
₹ 1 deposited on Aug 11, 2015
Zaid Bi, Khan’s wife: “The ₹ 1 deposit was not made by us.”
17.Account Holder: Seema Bai
Account opened: Oct 15, 2014
₹ 1 deposited on Aug 11, 2015
Seema Bai: “The ₹ 1 was not deposited by me.”
18.Account Holder: Prem Bai
Account opened: Oct 15, 2014
₹ 10 paise was deposited on July 20, 2016
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Prem Bai: “I don’t know who deposited this 10 paise.”
* When contacted, a branch official said: “I joined this branch recently. The account holders may have forgotten that they deposited the amount.”
Rajasthan
Bank of Baroda
Branch: Baler, Sawai Madhopur
19.Account Holder: Kamlesh Devi
Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 17, 2015
Kamlesh Devi: “I have no idea about this.”
20.Account Holder: Bhuli Devi
Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 24, 2015
Bhuli Devi: “I don’t know where the ₹ 1 came from.”
21.Account Holder: Mano Devi
Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 19, 2015
Mano Devi: “I don’t know who put this money in my account.”
22.Account Holder: Prem Devi
Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 19, 2015
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Prem Devi: “We were expecting subsidy money in the account, not the ₹ 1.”
23.Account Holder: Santra Devi
Account opened: 2015, date not mentioned in passbook
₹ 1 desposited on Nov 6, 2015
Santra Devi: “I can’t say how it (₹ 1) came in my account.”
24.Account Holder: Guddi Devi
Account opened: 2015; date not mentioned in passbook.
₹ 1 deposited on Nov 6, 2015
Guddi Devi: “How do we know where this deposit came from?”
25.Account Holder: Barfi Devi
Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 11, 2015
Barfi Devi: “I never deposited this money.”
26.Account Holder: Chhoti Brajmohan
Account opened: 2015, date not legible on passbook
₹ 1 deposited on Nov 6, 2015
Chhoti Brajmohan: “I don’t know anything about this.”
27.Account Holder: Kasturi Devi
Account opened: Aug 27, 2014
₹ 1 deposited on Nov 6, 2015
Kasturi Devi: “I don’t know about the ₹ 1.”
28.Account Holder: Dwarika Devi
Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 19, 2015
Dwarika Devi: “I did not deposit the₹ 1.”
29.Account Holder: Bilasi
Account opened: Aug 27, 2014
₹ 1 deposited on Nov 6, 2015
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Mukesh, Bilasi’s husband: “The bank or the government may have deposited that ₹ 1.”
30.Account Holder: Rampyari
Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 6, 2015
Rampyari: “No idea about that ₹ 1.”
31.Account Holder: Dhappo Devi
Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 19, 2015
Mukesh, Dhappo’s son: “₹ 1 may have been deposited by the bank or government.”
32.Account Holder: Dhadko Devi Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 19, 2015
Dhadko Devi: “We did not deposit the ₹ 1.”
33.Account Holder: Rajanti
Account opened: Sept 2, 2014
₹ 1 deposited on Nov 6, 2015
Rajanti: “We did not deposit₹ 1.”
34.Account Holder: Jagnathi
Account opened: Aug 27, 2014
₹ 1 transferred on Nov 6, 2015
Jagnathi: “I never deposited that ₹ 1.”
35.Account Holder: Dulari Devi
Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 19, 2015
Dulari Devi: “Why should anyone deposit₹ 1?”
36.Account Holder: Kalyani Devi
Account opened: 2015, date not mentioned in passbook
₹ 1 deposited on Nov 19, 2015
Kalyani Devi: “Don’t know about ₹ 1.”
* When contacted, a branch official said: “Our business correspondents may have put ₹ 1 in these accounts to encourage banking practices. I am not supposed to reveal such details to the media.”

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Uttar Pradesh
Punjab and Sind Bank
Branch: Dhaurera Mafi, Bareilly
37.Account Holder: Kamlesh
Account opened: Not mentioned in passbook
₹ 1 deposited on Sept 29, 2015
Kamlesh: “I did not deposit the money.”
38.Account Holder: Kamla Devi
Account opened: Not mentioned in passbook
₹ 1 deposited on May 2, 2015
Kamla Devi: “I never conducted any transaction using this account.”
39.Account Holder: Jagatpal Singh
Account opened: Not mentioned in passbook
₹ 1 deposited on Aug 25, 2015
Jagatpal Singh: “I did not deposit any money.”
40.Account Holder: Ram Singh
Account opened: Not mentioned in passbook
₹ 1 deposited on Sept 3, 2015
Ram Singh: “I did not deposit any money in account.”
* When contacted, a branch official said: “I cannot provide any details.”
Punjab National Bank
Branch: Fatehganj (Paschimi), Bareilly
41.Account Holder: Kusum
Account opened: March 31, 2015
₹ 1 deposited on Sept 29, 2015
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Rakesh Kumar, Kusum’s husband: “I want to know where this money came from.”
* When contacted, a branch official said: “I joined this branch recently, I cannot comment.”
Central Bank of India
Branch: Civil Lines, Bareilly
42.Account Holder: Shyam Kali
Account opened: Sept 8, 2014
₹ 5 deposited on Nov 17, 2015
Shyam Kali: “I did not deposit any money.”
43.Account Holder: Annu
Account opened: Sept 3, 2014
₹ 5 deposited on Nov 17, 2015
Annu: “I did not make any deposit.”
44.Account Holder: Renu
Account opened: Sept 9, 2014
₹ 5 deposited on Nov 17, 2015
Renu: “I did not deposit the ₹ 5.”
45.Account Holder: Geeta Saxena
Account opened: Sept 24, 2014
₹ 5 deposited on Nov 17, 2015
Geeta Saxena: “The bank may have deposited the ₹ 5.”
46.Account Holder: Suresh Kumar
Account opened: Jan 15, 2015
₹ 5 deposited on Nov 17, 2015
Suresh Kumar: “I don’t know who deposited the ₹ 5.”
* When contacted, a branch official said: “There was pressure from the top level
and some bank staffers deposited ₹ 5 themselves in these zero-balance accounts. But there are only a few
such cases.”
Punjab National Bank
Branch: Machhra, Meerut
47.Account Holder: Kiranpal
Account opened: Sept 26, 2014
₹ 1 deposited on Sept 19, 2015
Kiranpal: “I don’t know who transferred the ₹ 1.”
48.Account Holder: Babita
Account opened: March 20, 2015
₹ 1 deposited on September 19, 2015
Babita: “I don’t know who transferred the ₹ 1.”
49.Account Holder: Bimlesh
Account opened: Not visible on passbook
₹ 1 deposited on Nov 11, 2015
Bimlesh: “I don’t know who transferred the ₹ 1.”
50.Account Holder: Geeta Devi Account opened: April 8, 2015
₹ 1 deposited on Sept 19, 2015
Geeta Devi: “Maybe, the bank officials deposited the ₹ 1.”
51.Account Holder: Sonu
Account opened: Sept 26, 2014
₹ 1 deposited on Sept 18, 2015
Sonu: “Bank officials may have deposited the ₹ 1.”
* When contacted, a branch official said: “No cash transferred by the branch, this may have been done at the circle level.”
Sarva UP Gramin Bank
Branch: Machhra, Meerut
52.Account Holder: Shivam
Account opened: Oct 10, 2014
₹ 1 deposited on Sept 19, 2015
Shivam: “I did not deposit this ₹ 1.”
* When contacted, a branch official said: “Shivam must have deposited the money, I don’t want to comment.”