The government has asked state- owned banks to ensure one account per family to facilitate direct transfer of subsidy under 32 central schemes. In a communication to the public sector banks, the

Finance Ministry has asked them to use the latest voter list as a reference for verifying that every household has a bank account. 

As per 2011 census, out of the 24.69 crore households, 14.48 crore reported availing banking services. Nearly 10 crore households were not availing the services. Under Swabhimaan scheme of the government, over 3.25 crore bank accounts in rural areas were opened.