Banks have opened 19.21 crore accounts under the government’s ambitious financial inclusion scheme, Pradhan Mantri Jan Dhan Yojana PMJDY ) with deposit of more than Rs 26,819 crore, finance minsitry has said.In a statement, the ministry noted that Rupay cards have been issued to 16.51 crore customers and two lakh accounts are opened every day.PMJDY, which entails a life insurance cover of Rs 30,000 and an accidental insurance cover of Rs 1 lakh has also benefited the subscribers as 1,336 claims of life cover and 333 claims of accident insurance cover have been paid till November 2015.The ministry in its statement noted that zero balance accounts in PMJDY have declined from 76 per cent in September 2014 to 36.50 per cent in November 2015."Till June 2015, more than Rs 4,273 crore have been routed through these accounts towards payment of wages under MNREGA and transfer of cooking gas subsidy amounting to Rs 17,446 crore has been done through Jan Dhan accounts till July 2015,” the finance ministry said.The ministry said that under Mudra Yojana, banks have disbursed Rs 45,948.28 crore as on November 2015 which has benefited 66 lakh borrowers. The government has set a target of Rs 1.22 lakh crore for loans to be given by banks to promote new entrepreneurs under the Pradhan Mantri Mudra Yojana (PMMY) which will seek to "fund the unfunded”.The ministry said that the three schemes under the drive billed as ‘Jandhan to Jansuraksha’ or people’s money to public security, has also performed well. The government last year launched three social security programmes – the Pradhan Mantri Suraksha Bima Yojana (PMSBY), the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and the Atal Pension Yojana (APY) – to bring the excluded under the fold of formal financial services."As on November 2015, the gross enrolment under PMSBY is 9.16 crore, while that under PMJJBY is 2.86 crore,” the finance ministry said in its statement adding that 10.35 lakh subscribers have enrolled in the pension scheme.PMJJBY is a one year life insurance scheme, annually renewable offering coverage of Rs 2 lakh for death due to any reason and is available to people in the age group of 18 to 50 years, while PMSBY is a one year personal accident insurance scheme, annually renewable offering coverage of Rs 2lakh for death or permanent total disability and Rs 1 lakh for permanent partial disability due to an accident.