The One-Rupee trick: List of Jan Dhan accounts from six states

The Indian Express went to more than 25 villages and cities spread across six states, checked individual passbooks and interviewed account holders.

Written by Shyamlal Yadav , Jay Mazoomdaar | New Delhi | Updated: September 13, 2016 7:17 am
zero balance, bank zero balance, jan dhan accounts, bank jan dhan account, erase zero balance accounts, punjab and sind bank, zero balance account, open zero balance account, how to open bank account, indian express investigation, syndicate bank, banking, banking and finance, indian express news, business, banking news Passbooks with deposits of ₹ 1 at the office of a bank agent in Barh, Bihar. Source: Shyamlal Yadav

The Indian Express tracked accounts in UP, MP,  Assam, Bihar, Chhattisgarh and Rajasthan. Account numbers withheld on grounds of privacy

ASSAM
Syndicate Bank
Branch: Bamunimaidam, Guwahati

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

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.

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

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

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

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.”

bank-1

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

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.”