Maharashtra has 3.16 crore bank accounts opened under the Jan Dhan scheme, but 12 per cent of them have zero balance and currently not operational, a senior banker said on Monday.

Banks need to reach out to these account holders and make them financially literate so that they are able to undertake regular transactions and keep the accounts active, he said after a State Level Bankers Committee (SLBC) meeting in Aurangabad in central Maharashtra.