Lok Sabha Question No. 288 (STARRED), answered on 2019-12-09
Subject: Bank Account Holders under PMJJBY/PMSBY
Ministry: FINANCE
Asked by: Bhagirath Chaudhary

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES STARRED QUESTION NO. *288

## LOK SABHA ANSWERED ON 09.12.2019

## BANK ACCOUNT HOLDERS UNDER PMJJBY/PMSBY

*288. SHRI BHAGIRATH CHOUDHARY:

Will the Minister of FINANCE be pleased to state:

- (a)  the  date  on  which  the  Pradhan  Mantri  Jeevan  Jyoti  Bima  Yojana  (PMJJBY)  and Pradhan  Mantri  Suraksha  Bima  Yojana  (PMSBY)  were  launched  in  the  country including  the  names  of  the  States  where  the  bank  account  holders  were  registered, scheme/State/ UT-wise;
- (b) the number of registered account holders benefited under the said schemes since the inception of these schemes till March, 2019 along with the number of beneficiaries and the amount provided to them, scheme/State/UT-wise; and
- (c) the number of women insured under the above said schemes throughout the country till  March,  2019  including  the  number  of  women  out  of  them  who  were  provided assistance along with the types of assistance provided, State/year-wise?

## ANSWER

THE FINANCE MINISTER (SMT NIRMALA SITHARAMAN)

- (a) to (c) : A Statement is laid on the Table of the House.

*****

STATEMENT REFERRED TO IN REPLY TO PART (a) TO (c) OF LOK SABHA  STARRED  QUESTION  NUMBER  *288  FOR  9 TH   DECEMBER, 2019 REGARDING BANK ACCOUNT HOLDER UNDER PMJJBY/PMSBY TABLED BY SHRI BHAGIRATH CHOUDHARY, HON'BLE MEMBER OF PARLIAMENT

(a): For  creating a universal social security system  for  all Indians, especially  the  poor  and  the  under-privileged  the  Hon'ble  Prime  Minister launched two Social Security Schemes in the Insurance sector; namely the Pradhan Mantri Suraksha Bima Yojana(PMSBY) and the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) in Kolkata on Pan India basis on the 9th of May, 2015. Salient features of the schemes are given below:

Pradhan  Mantri Jeevan Jyoti Bima  Yojana  (PMJJBY) offers life insurance cover of Rs. 2 lakh in case of death due to any reason to people in the age group of 18 to 50 years having a bank / Post office account, who give  their  consent  to  join  /  enable  auto-debit  of  premium  of  Rs.  330  per annum. The scheme is being offered by Life Insurance Corporation of India and all other life insurers who are offering the product on similar terms with necessary  approvals  and  tie  up  with  Banks  and  Post  Offices  for  this purpose.

Pradhan  Mantri  Suraksha  Bima  Yojana  (PMSBY) offers  accidental insurance  cover  of  Rs.  2  lakh  for  accidental  death  or  total  permanent disability and Rs. 1 lakh for partial permanent disability to people in the age group  18  to  70  years  with  a  bank  /  Post  office  account,  who  give  their consent to join / enable auto-debit of premium of Rs. 12 per annum. The scheme is being offered by Public Sector General Insurance Companies or any  other  General  Insurance  Company  who  is  offering  the  product  on similar  terms  with  necessary  approvals  and  tie  up  with  Banks  and  Post Offices for this purpose.

(b): As per information furnished by Banks 5.91 crore persons have been enrolled under PMJJBY and 15.47 crore persons have been enrolled under PMSBY as on 31.03.2019. State-wise data of gross enrolments under the schemes PMJJBY and PMSBY is placed at Annexure A. Further, 1,35,212 claims amounting to Rs. 2704.24 crore have been settled under PMJJBY and  32,176  claims  amounting  to  643.52  crore  have  been  settled  under PMSBY as on 31.03.2019. State-wise data of claims under the schemes is placed at Annexure B.

(c): As  per  information  provided  by  Banks  /  Insurance  Companies  1.55 crore  women  have  been  insured  under  PMJJBY  and  5.11  crore  women have been insured under PMSBY throughout the country till March, 2019. State-wise data of women on whose lives claims were paid throughout the country till March, 2019 is placed at Annexure C.

*****

## ANNEXURE - A REFERRED TO IN PART (b) OF LOK SABHA STARRED QUESTION NO. *288 FOR ANSWER ON DECEMBER 9, 2019.

State  -Wise  Distribution  of  Gross  Enrollments  as  on  31.03.2019  (as  uploaded  by  banks  on Jansuraksha Portal)

| Sr.         | State                          | PMSBY        | PMJJBY      | Total        |
|-------------|--------------------------------|--------------|-------------|--------------|
| 1           | ANDAMAN & NICOBAR ISLANDS      | 32,271       | 16,283      | 48,554       |
| 2           | ANDHRA PRADESH $$              | 2,76,32,231  | 1,83,84,214 | 4,60,16,445  |
| 3           | ARUNACHAL PRADESH              | 67,680       | 40,751      | 1,08,431     |
| 4           | ASSAM                          | 19,59,253    | 7,40,581    | 26,99,834    |
| 5           | BIHAR                          | 58,29,559    | 16,48,757   | 74,78,316    |
| 6           | CHANDIGARH                     | 2,04,990     | 57,229      | 2,62,219     |
| 7           | CHHATTISGARH                   | 52,99,788    | 12,91,366   | 65,91,154    |
| 8           | DADRA & NAGAR HAVELI           | 49,802       | 24,204      | 74,006       |
| 9           | DAMAN & DIU                    | 37,661       | 17,334      | 54,995       |
| 10          | GOA                            | 2,66,256     | 1,24,926    | 3,91,182     |
| 11          | GUJARAT                        | 60,99,823    | 25,62,854   | 86,62,677    |
| 12          | HARYANA                        | 33,40,965    | 9,67,093    | 43,08,058    |
| 13          | HIMACHAL PRADESH               | 10,93,835    | 2,86,941    | 13,80,776    |
| 14          | JAMMU & KASHMIR                | 7,67,709     | 3,23,418    | 10,91,127    |
| 15          | JHARKHAND                      | 22,44,237    | 5,99,262    | 28,43,499    |
| 16          | KARNATAKA                      | 79,09,701    | 34,55,273   | 1,13,64,974  |
| 17          | KERALA                         | 45,33,055    | 9,04,607    | 54,37,662    |
| 18          | LAKSHADWEEP                    | 5,822        | 1,831       | 7,653        |
| 19          | MADHYA PRADESH                 | 87,86,945    | 22,37,052   | 1,10,23,997  |
| 20          | MAHARASHTRA                    | 97,01,319    | 40,21,981   | 1,37,23,300  |
| 21          | MANIPUR                        | 1,13,040     | 38,126      | 1,51,166     |
| 22          | MEGHALAYA                      | 97,290       | 50,016      | 1,47,306     |
| 23          | MIZORAM                        | 89,966       | 57,874      | 1,47,840     |
| 24          | NAGALAND                       | 54,528       | 21,608      | 76,136       |
| 25          | NCT OF DELHI                   | 24,66,605    | 9,54,457    | 34,21,062    |
| 26          | ORISSA                         | 45,15,671    | 12,59,527   | 57,75,198    |
| 27          | PUDUCHERRY                     | 2,16,811     | 72,613      | 2,89,424     |
| 28          | PUNJAB                         | 40,09,575    | 7,27,495    | 47,37,070    |
| 29          | RAJASTHAN                      | 60,56,922    | 18,20,827   | 78,77,749    |
| 30          | SIKKIM                         | 58,542       | 31,755      | 90,297       |
| 31          | TAMIL NADU                     | 83,40,290    | 27,79,983   | 1,11,20,273  |
| 32          | TELANGANA                      | 63,33,999    | 21,77,346   | 85,11,345    |
| 33          | TRIPURA                        | 4,11,001     | 1,25,393    | 5,36,394     |
| 34          | UTTAR PRADESH                  | 1,59,84,910  | 39,90,315   | 1,99,75,225  |
| 35          | UTTARAKHAND                    | 15,85,394    | 3,76,375    | 19,61,769    |
| 36          | WEST BENGAL                    | 74,60,614    | 16,39,458   | 91,00,072    |
| 37          | Others & Non-CBS Enrolments ** | 1,10,59,763  | 53,40,237   | 1,64,00,000  |
| Grand Total | Grand Total                    | 15,47,17,823 | 5,91,69,362 | 21,38,87,185 |

$$ includes 1.65 crore and 1.99 crore beneficiaries which have been converged from AABY to PMJJBY and PMSBY respectively in the state of Andhra Pradesh.

Source : Gross Enrollment as uploaded by banks on Jansuraksha portal as on 31/03/2019 subject to verification of eligibility, availability of funds etc.

## State-wise Claims Data for PMJJBY & PMSBY as on 31.03.2019

| S.No.   |                           | PMJJBY             | PMJJBY                     | PMSBY              | PMSBY                      | Total                | Total                      |
|---------|---------------------------|--------------------|----------------------------|--------------------|----------------------------|----------------------|----------------------------|
| S.No.   |                           | As on 31.03.2019   | As on 31.03.2019           | As on 31.03.2019   | As on 31.03.2019           | As on 31.03.2019     | As on 31.03.2019           |
| S.No.   | statename                 | No. of Claims Paid | Amount Paid (in Rs. Crore) | No. of Claims Paid | Amount Paid (in Rs. Crore) | No. of Claims Paid   | Amount Paid (in Rs. Crore) |
| 1       | Andaman & nicobar islands | 39                 | 0.78                       | 2                  | 0.04                       | 41                   | 0.82                       |
| 2       | Andhra pradesh            | 10,665             | 213.30                     | 2,288              | 45.76                      | 12,953               | 259.06                     |
| 3       | Arunachal pradesh         | 109                | 2.18                       | 10                 | 0.20                       | 119                  | 2.38                       |
| 4       | Assam                     | 3,281              | 65.62                      | 328                | 6.56                       | 3,609                | 72.18                      |
| 5       | Bihar                     | 2,838              | 56.76                      | 471                | 9.42                       | 3,309                | 66.18                      |
| 6       | Chandigarh                | 180                | 3.60                       | 66                 | 1.32                       | 246                  | 4.92                       |
| 7       | Chhattisgarh              | 5,506              | 110.12                     | 1,770              | 35.40                      | 7,276                | 145.52                     |
| 8       | Dadra & nagar haveli      | 47                 | 0.94                       | 9                  | 0.18                       | 56                   | 1.12                       |
| 9       | Daman & diu               | 33                 | 0.66                       | 2                  | 0.04                       | 35                   | 0.70                       |
| 10      | Goa                       | 301                | 6.02                       | 85                 | 1.70                       | 386                  | 7.72                       |
| 11      | Gujarat                   | 11,104             | 222.08                     | 2,265              | 45.30                      | 13,369               | 267.38                     |
| 12      | Haryana                   | 4,151              | 83.02                      | 1,342              | 26.84                      | 5,493                | 109.86                     |
| 13      | Himachal pradesh          | 928                | 18.56                      | 494                | 9.88                       | 1,422                | 28.44                      |
| 14      | Jammu & kashmir           | 145                | 2.90                       | 76                 | 1.52                       | 221                  | 4.42                       |
| 15      | Jharkhand                 | 1,564              | 31.28                      | 319                | 6.38                       | 1,883                | 37.66                      |
| 16      | Karnataka                 | 12,072             | 241.44                     | 1,987              | 39.74                      | 14,059               | 281.18                     |
| 17      | Kerala                    | 1,242              | 24.84                      | 757                | 15.14                      | 1,999                | 39.98                      |
| 18      | LAKSHADWEEP               | -                  | -                          | -                  | -                          | -                    | -                          |
| 19      | Madhya pradesh            | 9,552              | 191.04                     | 3,490              | 69.80                      | 13,042               | 260.84                     |
| 20      | Maharashtra               | 11,386             | 227.72                     | 2,667              | 53.34                      | 14,053               | 281.06                     |
| 21      | Manipur                   | 144                | 2.88                       | 15                 | 0.30                       | 159                  | 3.18                       |
| 22      | Meghalaya                 | 128                | 2.56                       | 9                  | 0.18                       | 137                  | 2.74                       |
| 23      | Mizoram                   | 466                | 9.32                       | 13                 | 0.26                       | 479                  | 9.58                       |
| 24      | Nagaland                  | 81                 | 1.62                       | 4                  | 0.08                       | 85                   | 1.70                       |
| 25      | Nct of delhi              | 2,298              | 45.96                      | 429                | 8.58                       | 2,727                | 54.54                      |
| 26      | Odisha                    | 4,145              | 82.90                      | 898                | 17.96                      | 5,043                | 100.86                     |
| 27      | Puducherry                | 197                | 3.94                       | 56                 | 1.12                       | 253                  | 5.06                       |
| 28      | Punjab                    | 2,181              | 43.62                      | 1,083              | 21.66                      | 3,264                | 65.28                      |
| 29      | Rajasthan                 | 8,206              | 164.12                     | 2,320              | 46.40                      | 10,526               | 210.52                     |
| 30      | Sikkim                    | 63                 | 1.26                       | 6                  | 0.12                       | 69                   | 1.38                       |
| 31      | Tamil nadu                | 6,843              | 136.86                     | 2,162              | 43.24                      | 9,005                | 180.10                     |
| 32      | Telangana                 | 11,946             | 238.92                     | 2,077              | 41.54                      | 14,023               | 280.46                     |
| 33      | Tripura                   | 215                | 4.30                       | 43                 | 0.86                       | 258                  | 5.16                       |
| 34      | Uttar pradesh             | 17,332             | 346.64                     |                    |                            | 20,610               | 412.20                     |
| 35      | Uttarakhand               | 1,525              |                            | 3,278              | 65.56                      |                      | 40.86                      |
| 36      | West bengal Grand Total   | 4,299 1,35,212     | 30.50 85.98 2,704.24       | 518 837 32,176     | 10.36 16.74 643.52         | 2,043 5,136 1,67,388 | 102.72 3,347.76            |

Note: Claim data as uploaded by Banks and updated by Insurance Companies after claim settlement on Jansuraksha Portal

## ANNEXURE - C REFERRED TO IN PART (c) OF LOK SABHA STARRED QUESTION NO. *288 FOR ANSWER ON DECEMBER 9, 2019.

## State-wise Claims Paid to Females as on 31.03.2019

| S. No.      | States                    | PMJJBY Female Beneficiary   | PMSBY Female Beneficiary   |
|-------------|---------------------------|-----------------------------|----------------------------|
| 1           | Jammu & kashmir           | 91                          | 53                         |
| 2           | Himachal pradesh          | 636                         | 326                        |
| 3           | Punjab                    | 1,343                       | 732                        |
| 4           | Chandigarh                | 111                         | 42                         |
| 5           | Uttarakhand               | 1,008                       | 345                        |
| 6           | Haryana                   | 2,543                       | 931                        |
| 7           | Nct of delhi              | 1,481                       | 304                        |
| 8           | Rajasthan                 | 4,691                       | 1,512                      |
| 9           | Uttar pradesh             | 8,916                       | 1,861                      |
| 10          | Bihar                     | 1,374                       | 266                        |
| 11          | Sikkim                    | 44                          | 2                          |
| 12          | Arunachal pradesh         | 58                          | 5                          |
| 13          | Nagaland                  | 42                          | -                          |
| 14          | Manipur                   | 80                          | 10                         |
| 15          | Mizoram                   | 294                         | 7                          |
| 16          | Tripura                   | 134                         | 30                         |
| 17          | Meghalaya                 | 94                          | 4                          |
| 18          | Assam                     | 1,715                       | 180                        |
| 19          | West bengal               | 2,566                       | 481                        |
| 20          | Jharkhand                 | 884                         | 187                        |
| 21          | Odisha                    | 2,305                       | 401                        |
| 22          | Chhattisgarh              | 2,887                       | 1,249                      |
| 23          | Madhya pradesh            | 5,335                       | 2,389                      |
| 24          | Gujarat                   | 6,462                       | 1,026                      |
| 25          | Daman & diu               | 21                          | 1                          |
| 26          | Dadra & nagar haveli      | 32                          | 7                          |
| 27          | Maharashtra               | 7,118                       | 1,264                      |
| 28          | Andhra pradesh            | 6,490                       | 1,341                      |
| 29          | Karnataka                 | 7,754                       | 1,279                      |
| 30          | Goa                       | 214                         | 54                         |
| 31          | Kerala                    | 808                         | 386                        |
| 32          | Tamil nadu                | 3,949                       | 1,186                      |
| 33          | Puducherry                | 124                         | 26                         |
| 34          | Andaman & nicobar islands | 24                          | -                          |
| 35          | Telangana                 | 7,187                       | 1,367                      |
| Grand Total | Grand Total               | 78,815                      | 19,254                     |

Source : Claim data as uploaded by Banks and updated by Insurance Companies after claim settlement on Jansuraksha Portal.

NOTE: Data of Claims settled in the lives of females converged to PMJJBY & PMSBY is not maintained centrally.