Lok Sabha Question No. 2483 (UNSTARRED), answered on 2025-12-15
Subject: PM Jeevan Jyoti Bima Yojana in Maharashtra
Ministry: FINANCE
Asked by: Shri Omprakash Bhupalsinh Alias Pavan Rajenimbalkar

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION No. †2483

ANSWERED ON MONDAY, 15 TH  DECEMBER 2025/AGRAHAYANA 24, 1947 (SAKA)

## PM JEEVAN JYOTI BIMA YOJANA IN MAHARASHTRA

†2483. SHRI OMPRAKASH BHUPALSINH A LIAS PAVAN RAJENIMBALKAR:

Will the Minister of FINANCE be pleased to state:

- (a) the total number of persons enrolled under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) in Maharashtra since its inception, along with district-wise details especially in the rural and semi-urban areas of Dharashiv, Beed, Latur and Nanded;
- (b) the steps taken by the Government to increase awareness of the said scheme in rural and semi-urban areas of the said State;
- (c) whether the Government proposes to increase the insured amount, reduce the premium or provide additional benefits to improve participation, if so, the details thereof; and
- (d) the steps taken by the Government to establish coordination with the State Government, District Collectors and lead banks for better monitoring and grievance redressal?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY)

- (a): The total number of persons enrolled under the PM Jeevan Jyoti Bima Yojana (PMJJBY) in Maharashtra since its inception along with District-wise details particularly with regard to the  rural  and  semi-urban  areas  of  Dharashiv,  Beed,  Latur  and  Nanded  is  attached  at Annexure-I.
- (b)  to    (d):  The  details  of  steps  taken  to  increase  awareness,  improve  enrolment  and  to reduce drop-out rates under PMJJBY Scheme are as under:
- i. In order to increase coverage under PMJJBY regular campaigns are held at grass root level from time to time with active participation of banks and local administration.
- ii. Recently, a 4-month 'Financial Inclusion Saturation Campaign' was launched across the country in 2.70 lakh gram panchayats and Urban Local Bodies (ULBs) from 01.07.2025 to 31.10.2025.  To achieve saturation in PMJJBY, camps were organized at gram panchayat level  and  ULBs  by  Banks,  providing  residents  with  direct  access  to  information  and assistance for enrolling in the scheme. The initiative was aimed to raise awareness and improve participation, helping to bridge gaps in rural areas including enrolments on the spot. During the 4-month campaign period  27,593 camps were held in 27,594-gram panchayats of the Maharashtra state. These camps were held in coordination with State Government and district administrations.
- iii. The  State  Level  Bankers'  Committees  (SLBCs)  /  Union  Territory  Level  Bankers' Committees (UTLBCs) coordinate among all stakeholders including State Governments,

District  Collectors,  Banks,  Government  agencies,  Lead  District  Managers  and  Financial Institutions to increase coverage under PMJJBY at the state level.

- iv. The Centre for Financial Literacy (CFL) Project has been initiated by the Reserve Bank  of  India  since  2017  with  an  objective  to  adopt  community-led  innovative  and participatory approaches to financial literacy. As on March 31, 2025, a total of 2,421 CFLs have been set up across the country with one CFL covering three blocks on an average.
- v. A strong network of about 16 lakh Banking Correspondents (BCs), representing the last mile connect in the Banking Services delivery system, is also enrolling eligible people under PMJJBY.
- vi. Allocation of  targets  to  all  banks  under  each  social  security  scheme  and periodic review of performance of banks is done on regular intervals and corrective steps are taken if required.
- vii. A Jansuraksha Portal has been introduced for providing affordable universal access to  social  security  protection  through  end-to-end  digitized  journeys  and  empowering beneficiaries through seamless enrolment and claim remittance for PMJJBY. All 12 Public Sector Banks, 28 Regional Rural Banks and 11 insurers have been onboarded on the portal. Further in order to increase the awareness of social security schemes, the Jansuraksha portal  (www.jansuraksha.gov.in)  hosts  all  relevant  material/  information  including  forms, rules, frequently asked questions (FAQs) etc. related to  this scheme in English, Hindi and regional languages.

Currently, no revision is under consideration for  Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY).

*****

## Annexure I referred to in reply to LOK SABHA Un-Starred Question No. †2483 for 15.12.2025

| Sl No   | District Name       | Rural/ Semi- Urban   | Urban     | Converged Schemes/ RCB*   | Cumulative Enrolments   |
|---------|---------------------|----------------------|-----------|---------------------------|-------------------------|
| 1       | Ahmednagar          | 5,18,812             | 1,28,134  | 17,606                    | 6,64,552                |
| 2       | Akola               | 1,29,927             | 1,49,104  | 1,652                     | 2,80,683                |
| 3       | Amravati            | 2,29,880             | 1,68,808  | 308                       | 3,98,996                |
| 4       | Aurangabad          | 3,81,853             | 3,23,566  | 3,192                     | 7,08,611                |
| 5       | Beed                | 3,72,334             | 1,53,082  | 311                       | 5,25,727                |
| 6       | Bhandara            | 2,67,250             | 16,580    | 203                       | 2,84,033                |
| 7       | Buldhana            | 3,52,087             | 38,725    | 1                         | 3,90,813                |
| 8       | Chandrapur          | 2,96,077             | 1,61,587  | 21                        | 4,57,685                |
| 9       | Dhule               | 2,22,083             | 80,624    | 36                        | 3,02,743                |
| 10      | Dharashiv/Osmanabad | 2,59,638             | 65,191    | 102                       | 3,24,931                |
| 11      | Gadchiroli          | 1,56,550             | 3,196     | 2,377                     | 1,62,123                |
| 12      | Gondia              | 2,67,909             | 1,23,883  | 735                       | 3,92,527                |
| 13      | Hingoli             | 2,21,457             | 4,543     | 0                         | 2,26,000                |
| 14      | Jalgaon             | 3,90,614             | 2,30,684  | 289                       | 6,21,587                |
| 15      | Jalna               | 2,05,705             | 61,947    | 724                       | 2,68,376                |
| 16      | Kolhapur            | 3,94,073             | 2,37,514  | 10,444                    | 6,42,031                |
| 17      | Latur               | 3,03,853             | 1,41,496  | 268                       | 4,45,617                |
| 18      | Mumbai              | 47,566               | 5,95,120  | 28,561                    | 6,71,247                |
| 19      | Mumbai Suburban     | 60,729               | 8,08,017  | 0                         | 8,68,746                |
| 20      | Nagpur              | 4,37,907             | 4,39,533  | 263                       | 8,77,703                |
| 21      | Nanded              | 4,45,221             | 1,77,134  | 80                        | 6,22,435                |
| 22      | Nandurbar           | 2,25,536             | 39,316    | 10                        | 2,64,862                |
| 23      | Nashik              | 5,72,149             | 3,55,281  | 2,950                     | 9,30,380                |
| 24      | Parbhani            | 2,39,349             | 69,964    | 335                       | 3,09,648                |
| 25      | Pune                | 6,00,780             | 17,21,366 | 4,031                     | 23,26,177               |
| 26      | Raigad              | 3,16,730             | 1,02,606  | 1,629                     | 4,20,965                |
| 27      | Ratnagiri           | 2,48,552             | 13,086    | 695                       | 2,62,333                |
| 28      | Sangli              | 2,37,149             | 78,286    | 19,377                    | 3,34,812                |
| 29      | Satara              | 3,42,228             | 61,704    | 1                         | 4,03,933                |
| 30      | Sindhudurg          | 1,30,775             | 4,825     | 5,262                     | 1,40,862                |
| 31      | Solapur             | 4,95,529             | 2,37,496  | 3,013                     | 7,36,038                |
| 32      | Thane               | 1,88,778             | 6,83,582  | 267                       | 8,72,627                |
| 33      | Wardha              | 1,98,756             | 1,01,368  | 7                         | 3,00,131                |
| 34      | Washim              | 1,31,619             | 5,884     | 1                         | 1,37,504                |
| 35      | Yavatmal            | 3,03,590             | 1,21,030  | 247                       | 4,24,867                |
| 36      | Palghar             | 2,17,332             | 1,31,392  | 0                         | 3,48,724                |
|         | District Total      | 1,04,10,377          | 78,35,654 | 1,04,998                  | 1,83,51,029             |
|         | Others**            | 0                    | 0         | 2,64,373                  | 2,64,373                |
|         | State Total         | 1,04,10,377          | 78,35,654 | 3,69,371                  | 1,86,15,402             |

Source: Banks for Universal Schemes and Insurance Companies for Converged Schemes.

Note:* Demographic distribution is not available for Converged Schemes/ RCB.

** Others includes enrolments of RCB/ UCB/ Converged Schemes for which district wise & demographic distribution are not available.