The cash balances in the Pradhan Mantri Jan Dhan Yojana (PMJDY) bank accounts have been steadily growing, particularly in rural areas. This is reflected in the decreasing percentage of zero-balance accounts in the last six months. Government data show that zero-balance accounts as a percentage of total accounts have decreased to 25 per cent during January-June 2016 from 31 per cent earlier. On an the other hand, accounts with balances are increasing by about 150 basis points a month. This is considered substantial as total accounts opened under the scheme so far have touched 22.29 crore with an overall balance of ₹39,251 crore. Public sector banks have overtaken private banks in this regard. The percentage of zero-balance accounts in private banks is a high 37.33 per cent, while in public sector banks and regional rural banks it is 25.61 and 21.35 per cent. Bankers say the disbursal of government benefits as part of Direct Benefit Transfer (DBT) could be a driver. Further, there has been a steady increase in seeding of PMJDY accounts with Aadhaar which in turn makes them eligible to receive DBT like LPG subsidy, among others. As on date, of the 22.29-crore accounts, 10.59 crore have been linked with Aadhaar.