Deposits in accounts opened under the government´s ambitious financial inclusion scheme Pradhan Mantri Jan Dhan Yojana have crossed Rs.25,000 crore, the Finance Ministry said. A “good amount” has come to the banks as low-cost deposits, it said. Accounts opened under PMJDY are basic savings bank deposit accounts, which can be opened with a zero balance, as per RBI guidelines. The ministry said that zero balance accounts under PMJDY have come down to less than 40 per cent. State Bank of India, the country´s largest bank, led the list with `2,989.18 crore collected in deposits, followed by United Bank of India (Rs.2,644.77 crore), Oriental Bank of Commerce (Rs.2,104.7 crore), Bank of Baroda (Rs.1,771.42 crore) and UCO Bank (Rs.1,178.17 crore).