More than half of a record 160 million accounts opened in India as part of a drive to offer banking to all are still empty, illustrating the massive task ahead for one of the government's most high-profile campaigns and the strain on banks.
Prime Minister Narendra Modi launched a scheme last August to end "financial untouchability", an ambitious project to enable tens of millions to have access to a bank. The scheme offers free insurance and even an overdraft facility and aims to eventually help deliver all subsidies and other social benefits to the poor directly.
But while millions signed up - the volume of accounts made a Guinness World Record and Modi hit his target - 53% of these accounts have never been used as of June 3, records show.
Activating these accounts will be the biggest test yet for Modi's banking drive: a push the government hopes will curb the use of cash, limit corruption and rein in the informal economy.
"It's always been a challenge, particularly in the rural areas where the population is not literate. They are scared actually to go to the bank," said Ram Sangapure, an executive director at number four state-run lender Punjab National Bank.
Text: Devidutta Tripathy and Rajesh Kumar Singh, Reuters
Image: Prime Minister Narendra Modi at the launch of the Pradhan Mantri Jan Dhan Yojana.
Image courtesy: PTI