Pradhan Mantri Jan Dhan Yojana (PMJDY) which was launched to further the financial-inclusion process in the country have gathered momentum in some Northern States post demonetisation. With its area and size of population, Uttar Pradesh tops in opening new PMJDY accounts. In fact, one-fifth of the more than five crore new PMJDY accounts in the Indian banking system came from Uttar Pradesh alone. Bihar, Maharashtra, Madhya Pradesh and West Bengal cumulatively added another 2.2 crore new accounts in the last one year.