Lok Sabha Question No. 114 (STARRED), answered on 2025-07-28
Subject: Beneficiaries enrolled under PMJJBY, PMSBY and APY
Ministry: FINANCE
Asked by: Shri Bibhu Prasad Tarai, Smt. Smita Uday Wagh

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA STARRED QUESTION NO. *114

TO BE ANSWERED ON MONDAY, 28 JULY, 2025/SRAVANA 6, 1947 (SAKA)

## Beneficiaries Enrolled Under PMJJBY, PMSBY and APY

*114.  Smt. Smita Uday Wagh: Shri Bibhu Prasad Tarai:

## Will the Minister of FINANCE be pleased to state:

- a)  the total number of beneficiaries enrolled under Pradhan Mantri Jan Suraksha SchemesPradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY) gender-wise and Pradhan Mantri Jan Dhan Yojana (PMJDY) account-wise breakup in the Country. State/UT-wise  including Karnataka and Maharashtra especially in Jalgaon Lok Sabha constituency;
- b)  the total number of claims settled and the amount disbursed under PMJJBY and PMSBY since their inception;
- c)  whether any impact assessment of these schemes in enhancing financial security for lowincome households has been made and if so, the details thereof;
- d)  the steps taken/being taken to increase awareness, improve enrolment and reduce dropout rates under these schemes: and
- e)  the  total  number  of  Scheduled  Caste  (SC)  and  Scheduled  Tribe  (ST)  beneficiaries covered under these schemes so far in the country, State/UT-wise?

## ANSWER

## THE FINANCE MINISTER (SMT. NIRMALA SITHARAMAN)

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

***********

Statement as referred to in reply to part (a) to (e) of Lok Sabha Starred Question No. *114 For 28 JULY, 2025/SRAVANA 6, 1947 (SAKA) regarding 'Beneficiaries Enrolled Under PMJJBY, PMSBY and APY' raised by Smt. Smita Uday Wagh, Shri Bibhu Prasad Tarai, Hon'ble Member of Parliament

(a): The total number of beneficiaries enrolled under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY) gender-wise and Pradhan Mantri Jan Dhan Yojana (PMJDY) account-wise, state/UT-wise including Karnataka and Maharashtra especially in Jalgaon district is given in Annexure-I, II & III.

(b): The total number of claims settled and the amount disbursed under PMJJBY and PMSBY since inception is given in Annexure-IV.

(c) to (d):

- I. Impact assessment study for PMJDY, PMJJBY and PMSBY is being conducted by DMEO, NITI Aayog. All these schemes aim to create a universal social security system for all Indians, especially the poor and the under-privileged.
- II. The details of steps taken to increase awareness, improve enrolment and reduce dropout rates under APY are as under:
3. (i)  In  order  to  increase  coverage  under  PMJJBY,  PMSBY  and  APY,  regular campaigns were held at grass root level with active participation of banks and local administration. Further, a 3-month 'Financial Inclusion Saturation Campaign' has been launched across the country in 2.70 lakh gram panchayats and Urban Local Bodies (ULBs) from 01.07.2025, with the aim of increasing enrolments in PMJJBY, PMSBY and APY. To achieve saturation in these Jansuraksha schemes, camps are  being  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  is  aimed  to  raise  awareness  and  improve  participation, helping to bridge gaps in enrolment under the scheme.
4. (ii)   Further, a Jansuraksha portal (www.jansuraksha.gov.in) has been created, which hosts  all  relevant  material/  information  including  forms,  rules,  frequently  asked questions  (FAQs)  etc.  related  to  these  schemes  in  English,  Hindi  and  regional languages.
5. (iii)   The State Level Bankers' Committees (SLBCs) / Union Territory Level Bankers' Committees (UTLBCs) play a crucial role by coordinating efforts among Banks, Government agencies, Lead District Managers, Financial Institutions, Insurance companies, and other stakeholders to increase coverage under these Schemes at the state level;
6. (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;
7. (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 these social security Schemes.
8. (vi)   Allocation  of  targets  to  all  banks  under  each  scheme  and  periodic  review  of performance of banks is done on regular intervals and corrective steps are taken if required.
9. (e) These schemes are open to all eligible citizens of India, including SC/STs. However, the SC/ST wise breakup of the subscribers of these schemes is not centrally maintained.

******

## Annexure I referred to in reply to Lok Sabha Starred Question No. *114 for 28.07.2025

| Sr. No                |                                | PMJJBY as on 02.07.2025   | PMJJBY as on 02.07.2025   | PMJJBY as on 02.07.2025   | PMJJBY as on 02.07.2025   | PMJJBY as on 02.07.2025                                                     |
|-----------------------|--------------------------------|---------------------------|---------------------------|---------------------------|---------------------------|-----------------------------------------------------------------------------|
| Sr. No                | State/UT Name                  | Cumulative Male (A)       | Cumulative Female (B)     | Others (C)                | Total (D=A+B+C)           | PMJDY a/c holders enrolled under PMSBY-Cumulative Enrolments (E) [out of D] |
| 1                     | ANDAMAN AND                    | 48,533                    | 40,216                    | 263                       | 89,012                    | 7,729                                                                       |
| 2                     | NICOBAR ISLANDS ANDHRA PRADESH | 61,14,212                 | 71,20,409                 | 1,95,34,798               | 3,27,69,419               | 27,94,066                                                                   |
| 3                     | ARUNACHAL PRADESH              | 1,16,795                  | 1,28,270                  | 14,299                    | 2,59,364                  | 55,176                                                                      |
| 4                     | ASSAM                          | 19,97,494                 | 31,01,650                 | 1,55,520                  | 52,54,664                 | 23,64,582                                                                   |
| 5                     | BIHAR                          | 56,81,219                 | 98,40,685                 | 25,57,853                 | 1,80,79,757               | 72,50,959                                                                   |
| 6                     | CHANDIGARH                     | 91,295                    | 59,065                    | 1,774                     | 1,52,134                  | 31,817                                                                      |
| 7                     | CHHATTISGARH                   | 26,37,534                 | 38,69,412                 | 14,64,070                 | 79,71,016                 | 31,61,926                                                                   |
| 8                     | DADRA AND NAGAR                | 1,04,423                  | 45,920                    | 1,414                     | 1,51,757                  | 32,912                                                                      |
| 9                     | HAVELI DELHI                   | 13,32,903                 | 11,28,138                 | 26,288                    | 24,87,329                 | 7,68,127                                                                    |
| 10                    | GOA                            | 1,95,968                  | 1,63,606                  | 1,830                     | 3,61,404                  | 47,861                                                                      |
| 11                    | GUJARAT                        | 52,90,790                 | 38,87,744                 | 3,61,036                  | 95,39,570                 | 27,74,533                                                                   |
| 12                    | HARYANA                        | 25,62,920                 | 21,58,262                 | 1,97,154                  | 49,18,336                 | 13,68,141                                                                   |
| 13                    | HIMACHAL PRADESH               | 6,29,469                  | 5,38,043                  | 76,356                    | 12,43,868                 | 2,72,841                                                                    |
| 14                    | JAMMU AND KASHMIR              | 5,99,028                  | 3,47,137                  | 1,38,355                  | 10,84,520                 | 1,86,690                                                                    |
| 15                    | JHARKHAND                      | 28,40,800                 | 43,42,188                 | 7,86,403                  | 79,69,391                 | 36,48,467                                                                   |
| 16                    | KARNATAKA                      | 54,59,968                 | 61,13,077                 | 38,73,101                 | 1,54,46,146               | 29,51,563                                                                   |
| 17                    | KERALA                         | 13,05,170                 | 15,42,070                 | 13,19,783                 | 41,67,023                 | 5,45,389                                                                    |
| 18                    | LADAKH                         | 24,575                    | 11,410                    | 925                       | 36,910                    | 2,318                                                                       |
| 19                    | LAKSHADWEEP                    | 3,706                     | 2,501                     | 125                       | 6,332                     | 1,430                                                                       |
| 20                    | MADHYA PRADESH                 | 65,35,846                 | 80,55,156                 | 4,40,830                  | 1,50,31,832               | 61,83,762                                                                   |
| 21                    | MAHARASHTRA                    | 82,81,629                 | 85,73,524                 | 3,86,965                  | 1,72,42,118               | 63,18,427                                                                   |
| 22                    | MANIPUR                        | 1,17,491                  | 1,72,986                  | 99,650                    | 3,90,127                  | 95,185                                                                      |
| 23                    | MEGHALAYA                      | 2,04,464                  | 3,46,354                  | 15,880                    | 5,66,698                  | 2,04,741                                                                    |
| 24                    | MIZORAM                        | 1,70,581                  | 1,91,817                  | 4,812                     | 3,67,210                  | 74,186                                                                      |
| 25                    | NAGALAND                       | 1,05,657                  | 1,18,401                  | 4,222                     | 2,28,280                  | 56,642                                                                      |
| 26                    | ODISHA                         | 36,28,992                 | 55,91,999                 | 15,88,645                 | 1,08,09,636               | 35,05,283                                                                   |
| 27                    | PUDUCHERRY UT                  | 99,285                    | 1,27,760                  | 21,420                    | 2,48,465                  | 37,427                                                                      |
| 28                    | PUNJAB                         | 25,29,842                 | 21,26,795                 | 55,703                    | 47,12,340                 | 8,39,564                                                                    |
| 29                    | RAJASTHAN                      | 57,72,002                 | 61,71,740                 | 19,76,543                 | 1,39,20,285               | 52,77,794                                                                   |
| 30                    | SIKKIM                         | 75,289                    | 73,024                    | 2,843                     | 1,51,156                  | 14,188                                                                      |
| 31                    | TAMIL NADU                     | 40,39,381                 | 61,52,076                 | 3,80,379                  | 1,05,71,836               | 20,49,458                                                                   |
| 32                    | TELANGANA                      | 37,42,040                 | 45,23,802                 | 1,12,523                  | 83,78,365                 | 14,07,827                                                                   |
| 33                    | TRIPURA                        | 2,67,394                  | 2,79,486                  | 15,116                    | 5,61,996                  | 1,88,957                                                                    |
| 34                    | UTTAR PRADESH                  | 1,32,61,040               | 1,32,05,109               | 34,16,099                 | 2,98,82,248               | 1,08,12,249                                                                 |
| 35                    | UTTARAKHAND                    | 8,69,169                  | 7,94,823                  | 50,532                    | 17,14,524                 | 4,35,631                                                                    |
| 36                    | WEST BENGAL                    | 55,68,704                 | 79,70,733                 | 2,08,159                  | 1,37,47,596               | 59,28,606                                                                   |
| Country Total Jalgaon | District                       | 2,52,374                  | 3,20,969                  | 1,532                     | 5,74,875                  | 2,43,603                                                                    |

## Annexure II referred to in reply to Lok Sabha Starred Question No. *114 for 28.07.2025

|                  |                             | PMSBY as on 02.07.2025   | PMSBY as on 02.07.2025   | PMSBY as on 02.07.2025   | PMSBY as on 02.07.2025   | PMSBY as on 02.07.2025                                                       |
|------------------|-----------------------------|--------------------------|--------------------------|--------------------------|--------------------------|------------------------------------------------------------------------------|
| Sr. No           | State/UT Name               | Cumulative Male (A)      | Cumulative Female (B)    | Others (C)               | Total (D=A+B+C)          | PMJDY a/c holders enrolled under PMSBY- Cumulative Enrolments (E) [out of D] |
| 1                | ANDAMAN AND NICOBAR ISLANDS | 89,259                   | 68,918                   | 15,539                   | 1,73,716                 | 23,414                                                                       |
| 2                | ANDHRA PRADESH              | 1,38,96,700              | 1,51,71,096              | 2,60,27,781              | 5,50,95,577              | 55,92,913                                                                    |
| 3                | ARUNACHAL PRADESH           | 2,26,607                 | 2,33,200                 | 1,780                    | 4,61,587                 | 1,14,416                                                                     |
| 4                | ASSAM                       | 58,31,372                | 73,62,777                | 1,68,742                 | 1,33,62,891              | 70,90,793                                                                    |
| 5                | BIHAR                       | 1,49,52,778              | 1,98,02,996              | 3,86,423                 | 3,51,42,197              | 1,63,93,507                                                                  |
| 6                | CHANDIGARH                  | 2,62,627                 | 1,79,817                 | 2,391                    | 4,44,835                 | 90,190                                                                       |
| 7                | CHHATTISGARH                | 67,26,529                | 78,05,073                | 18,71,112                | 1,64,02,714              | 65,25,574                                                                    |
| 8                | DADRA AND NAGAR             | 1,92,164                 | 79,409                   | 9,790                    | 2,81,363                 | 57,337                                                                       |
| 9                | HAVELI DELHI                | 36,06,530                | 28,47,365                | 11,066                   | 64,64,961                | 17,93,992                                                                    |
| 10               | GOA                         | 4,16,313                 | 3,35,222                 | 12,473                   | 7,64,008                 | 88,009                                                                       |
| 11               | GUJARAT                     | 1,13,94,898              | 80,38,649                | 7,11,518                 | 2,01,45,065              | 58,99,915                                                                    |
| 12               | HARYANA                     | 64,69,380                | 49,49,779                | 33,824                   | 1,14,52,983              | 32,79,479                                                                    |
| 13               | HIMACHAL PRADESH            | 17,26,944                | 13,44,965                | 40,578                   | 31,12,487                | 7,59,589                                                                     |
| 14               | JAMMU AND KASHMIR           | 14,50,198                | 8,92,668                 | 33,924                   | 23,76,790                | 5,11,790                                                                     |
| 15               | JHARKHAND                   | 66,01,003                | 79,69,080                | 1,55,492                 | 1,47,25,575              | 69,32,820                                                                    |
| 16               | KARNATAKA                   | 1,16,92,917              | 1,19,17,891              | 2,57,341                 | 2,38,68,149              | 56,85,688                                                                    |
| 17               | KERALA                      | 51,74,760                | 57,69,332                | 2,87,712                 | 1,12,31,804              | 19,58,444                                                                    |
| 18               | LADAKH                      | 45,839                   | 25,059                   | 173                      | 71,071                   | 4,838                                                                        |
| 19               | LAKSHADWEEP                 | 9,575                    | 7,533                    | 12,382                   | 29,490                   | 3,601                                                                        |
| 20               | MADHYA PRADESH              | 1,73,25,789              | 1,74,74,978              | 9,38,870                 | 3,57,39,637              | 1,53,77,314                                                                  |
| 21               | MAHARASHTRA                 | 1,96,13,233              | 1,80,77,167              | 8,01,740                 | 3,84,92,140              | 1,32,51,447                                                                  |
| 22               | MANIPUR                     | 2,65,389                 | 3,60,500                 | 2,253                    | 6,28,142                 | 2,25,191                                                                     |
| 23               | MEGHALAYA                   | 4,22,212                 | 5,77,428                 | 676                      | 10,00,316                | 3,70,983                                                                     |
| 24               | MIZORAM                     | 2,66,750                 | 2,79,964                 | 3,165                    | 5,49,879                 | 1,11,386                                                                     |
| 25               | NAGALAND                    | 2,39,475                 | 2,65,825                 | 557                      | 5,05,857                 | 1,30,308                                                                     |
| 26               | ODISHA                      | 1,00,91,003              | 1,18,42,948              | 11,93,164                | 2,31,27,115              | 81,58,696                                                                    |
| 27               | PUDUCHERRY UT               | 2,42,012                 | 2,74,895                 | 55,882                   | 5,72,789                 | 71,474                                                                       |
| 28               | PUNJAB                      | 71,99,657                | 58,89,470                | 1,03,671                 | 1,31,92,798              | 27,52,135                                                                    |
| 29               | RAJASTHAN                   | 1,37,50,426              | 1,32,03,877              | 3,29,900                 | 2,72,84,203              | 1,24,16,032                                                                  |
| 30               | SIKKIM                      | 1,50,112                 | 1,31,202                 | 1,439                    | 2,82,753                 | 28,496                                                                       |
| 31               | TAMIL NADU                  | 1,06,87,062              | 1,45,23,819              | 7,10,843                 | 2,59,21,724              | 47,87,521                                                                    |
| 32               | TELANGANA                   | 84,55,927                | 89,73,293                | 4,83,329                 | 1,79,12,549              | 30,79,221                                                                    |
| 33               | TRIPURA                     | 7,53,698                 | 6,30,282                 | 3,349                    | 13,87,329                | 4,51,008                                                                     |
| 34               | UTTAR PRADESH               | 3,89,32,171              | 3,41,21,216              | 34,72,879                | 7,65,26,266              | 3,07,99,049                                                                  |
| 35               | UTTARAKHAND                 | 27,85,793                | 22,82,624                | 35,844                   | 51,04,261                | 14,16,082                                                                    |
| 36               | WEST BENGAL                 | 1,54,40,363              | 1,90,81,664              | 1,66,857                 | 3,46,88,884              | 1,69,79,611                                                                  |
| Country Total    | Country Total               | 23,73,87,465             | 24,27,91,981             | 3,83,44,459              | 51,85,23,905             | 17,32,12,263                                                                 |
| Jalgaon District | Jalgaon District            | 6,14,340                 | 6,42,510                 | 10,982                   | 12,67,832                | 5,18,287                                                                     |

Source: Banks for Universal Schemes and Insurance Companies for Converged Schemes.Others includes enrolments of Converged Schemes, Rural Cooperative Banks (RCB) and urban Cooperative Banks (UCB) for which gender wise bifurcation is not available.

## Annexure III referred in reply to Lok Sabha Starred Question No. *114 for 28.07.2025 (as on 30.6.2025)

| Sr.No   | State/UT name                                | Cumulative Male (A)   | Cumulative Female (B)   | Others (C)   | Total (D=A+B+C)    |
|---------|----------------------------------------------|-----------------------|-------------------------|--------------|--------------------|
| 1.      | MAHARASHTRA                                  | 4,078,880             | 3,469,980               | 2,270        | 7,551,130          |
| 2.      | KARNATAKA                                    | 2,379,937             | 2,082,418               | 1,259        | 4,463,614          |
| 3.      | ANDAMAN AND NICOBAR ISLANDS                  | 8,066                 | 5,857                   | 10           | 13,933             |
| 4.      | ANDHRA PRADESH                               | 1,520,463             | 2,426,499               | 2,173        | 3,949,135          |
| 5.      | ARUNACHAL PRADESH                            | 19,017                | 17,672                  | 12           | 36,701             |
| 6.      | ASSAM                                        | 806,188               | 1,085,135               | 422          | 1,891,745          |
| 7.      | BIHAR                                        | 3,021,259             | 3,953,442               | 866          | 6,975,567          |
| 8.      | CHANDIGARH                                   | 48,394                | 28,654                  | 52           | 77,100             |
| 9.      | CHHATTISGARH                                 | 730,110               | 766,257                 | 255          | 1,496,622          |
| 10.     | DELHI                                        | 575,096               | 363,293                 | 526          | 938,915            |
| 11.     | GOA                                          | 66,221                | 42,939                  | 61           | 109,221            |
| 12.     | GUJARAT                                      | 1,924,334             | 870,658                 | 802          | 2,795,794          |
| 13.     | HARYANA                                      | 1,083,770             | 663,421                 | 542          | 1,747,733          |
| 14.     | HIMACHAL PRADESH                             | 352,292               | 226,125                 | 88           | 578,505            |
| 15.     | JAMMU AND KASHMIR                            | 169,634               | 81,949                  | 122          | 251,705            |
| 16.     | JHARKHAND                                    | 1,016,116             | 1,344,226               | 396          | 2,360,738          |
| 17.     | KERALA                                       | 695,481               | 814,228                 | 462          | 1,510,171          |
| 18.     | LADAKH                                       | 4,367                 | 2,438                   | 12           | 6,817              |
| 19.     | LAKSHADWEEP                                  | 2,016                 | 1,202                   | 6            | 3,224              |
| 20.     | MADHYA PRADESH                               | 2,386,773             | 2,258,839               | 1,308        | 4,646,920          |
| 21.     | MANIPUR                                      | 32,297                | 35,477                  | 56           | 67,830             |
| 22.     | MEGHALAYA                                    | 36,040                | 40,833                  | 8            | 76,881             |
| 23.     | MIZORAM                                      | 14,086                | 16,017                  | 4            | 30,107             |
| 24.     | NAGALAND                                     | 20,526                | 19,447                  | 6            | 39,979             |
| 25.     | ODISHA                                       | 1,340,648             | 1,610,508               | 843          | 2,951,999          |
| 26.     | PUDUCHERRY                                   | 44,898                | 58,745                  | 65           | 103,708            |
| 27.     | PUNJAB                                       | 1,369,845             | 921,576                 | 575          | 2,291,996          |
| 28.     | RAJASTHAN                                    | 2,619,613             | 1,558,841               | 688          | 4,179,142          |
| 29.     | SIKKIM                                       | 23,301                | 20,497                  | 28           | 43,826             |
| 30.     | TAMIL NADU                                   | 2,198,537             | 2,929,735               | 3,003        | 5,131,275          |
| 31.     | TELANGANA                                    | 1,183,073             | 1,298,760               | 1,359        | 2,483,192          |
| 32.     | THE DADRA AND NAGAR HAVELI AND DAMAN AND DIU | 34,495                | 7,159                   | 9            | 41,663             |
| 33.     | TRIPURA                                      | 134,410               | 158,354                 | 23           | 292,787            |
| 34.     | UTTAR PRADESH                                | 7,838,734             | 5,011,822               | 3,846        | 12,854,402         |
| 35.     | UTTARAKHAND                                  | 521,464               | 325,963                 | 238          | 847,665            |
| 36.     | WEST BENGAL                                  | 2,637,083             | 3,439,613               | 1,407        | 6,078,103          |
|         | Grand Total Jalgaon District                 | 40,937,464 94,814     | 37,958,579 74,155       | 23,802 83    | 78,919,845 169,052 |

Source: PFRDA

Note: PMJDY wise account details not maintained with PFRDA

| Claims Data as on 02.07.2025   | Claims Data as on 02.07.2025       | Claims Data as on 02.07.2025                  |
|--------------------------------|------------------------------------|-----------------------------------------------|
| Name of The Scheme             | Cumulative No. of Claims disbursed | Cumulative Claim Amount disbursed (In Rs Cr.) |
| PMJJBY                         | 9,47,840                           | 18,956.80                                     |
| PMSBY                          | 1,61,297                           | 3,203.36                                      |

Source: Banks and Insurance Companies