NEW DELHI: Deposits in accounts opened under the government's ambitious financial inclusion scheme Pradhan Mantri Jan Dhan Yojana (PMJDY) have exceeded Rs 25,000 crore, the finance minsitry has said."It has been noticed that good amount of deposit has been made in these accounts, which has come to the banks as low cost deposits," the ministry said in its statement.Accounts opened under PMJDY are basic savings bank deposit accounts (BSBDA) which can be opened with zero balance as per Reserve Bank of India (RBI) guidelines.The ministry in its statement noted that zero balance accounts under PMJDY have reduced to less than 40 per cent and as of October 7 while, deposits collected stood at Rs 25,146.97 crore.Country's largest bank, State Bank of India leads the list with around Rs 3,000 crore collected in deposits, followed by United Bank of India (Rs 2,644.77 crore), Oriental Bank of Commerce ( Rs 2,104.70 crore), Bank of Baroda (Rs 1,771.42 crore), and UCO Bank at Rs 1,178.17 crore.The finance ministry had earlier said that the focus of PMJDY has moved from account opening to the provision of cash-out facilities at an approachable distance to reap the real benefits of the financial inclusion scheme."One of the basic objectives of financial inclusion is the delivery of financial services at an affordable cost to the vast sections of the disadvantaged and low-income groups," the ministry had said.As per finance ministry data, there are nearly 1.26 lakh bank branches, of which 38 per cent are in rural areas.The government has recently doubled the limit for cash withdrawal at points of sale, for debit cards and open system prepaid cards issued by banks in India, to Rs 2,000 per day in tier III to tier VI centres.Banks have also been asked not to levy any charges for text messages on PMJDY accounts and basic savings bank deposits accounts.