We have to take this with a pinch of salt. The average age of Indian population is still below 40 and if very house hold is a 3 to 4 member family, most kids definitely will not have a bank account
Secondly most Jandhan accounts will have zero money and they will queue immediately to withdraw anything deposited through various government schemes
CASA and the average money per account can be a good metric
As the standard of living and per capita increases this will naturally go up
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