Lok Sabha Question No. 336 (STARRED), answered on 2026-03-16
Subject: Beneficiaries of Welfare Schemes
Ministry: FINANCE
Asked by: Shri Janardan Singh Sigriwal

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA STARRED QUESTION NO. *336

ANSWERED ON MONDAY, 16 MARCH  2026/PHALGUNA 25, 1947 (SAKA)

## Beneficiaries of Welfare Schemes

## *336.   SHRI JANARDAN SINGH SIGRIWAL:

Will the Minister of FINANCE be pleased to state:

- (a) the details of different poverty alleviation programmes currently implemented directly by the Ministry of Finance, including Pradhan Mantri Jan Dhan Yojana (PMJDY);
- (b) the number of beneficiaries covered under these programmes as on date along with the amount of funds allocated and utilized during FY 2025-26, State/UT-wise;
- (c) whether any impact assessment studies have been conducted to measure the reduction in poverty levels attributable to these programmes;
- (d) if  so,  the  details  thereof  including  the  key  findings  therein,  particularly  regarding extreme poverty reduction and coverage of vulnerable groups; and
- (e) whether the Government has any plans to integrate these programmes with welfare schemes  of  other  Ministries  for  enhanced  effectiveness,  if  so,  the  details  thereof including the timelines fixed for the same?

## ANSWER

THE FINANCE MINISTER (SMT. NIRMALA SITHARAMAN)

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

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Statement referred to in reply to Lok Sabha Starred Question No. *336 for 16.03.2026 by Shri Janardan Singh Sigriwal, MP, regarding 'Beneficiaries of Welfare Schemes'.

(a)  to  (e)  With  the  aim  of  upliftment  of  the  various  segments  of  the  society  by  providing  access  to banking, credit and insurance, the Government initiated the National Mission for Financial Inclusion (NMFI), namely, Pradhan Mantri Jan Dhan Yojana (PMJDY) in August, 2014 to provide universal banking services for every unbanked household based on the guiding principles of banking the unbanked, securing  the  unsecured  and  funding  the  unfunded.  However,  no  poverty  alleviation  programme  is currently being implemented directly by Ministry of Finance. The coverage of beneficiaries through various schemes under NMFI are briefed as under:

- i. Under  PMJDY,  a  total  of  57.78  crore  Jan-Dhan  accounts  with  a  deposit  balance  of Rs. 2,94,702 crores have been opened as on 25.02.2026 under PMJDY. Out of these, 32.21 crore (55.8%) Jan-Dhan accounts belong to women and about 45.17 crore (78.2 %) PMJDY accounts have been opened in rural and semi-urban areas;
- ii. Under  Pradhan  Mantri  Jeevan  Jyoti  Bima  Yojana  (PMJJBY),  26.88  crore  cumulative enrolments (as on 25.02.2026) have been done to provide life insurance cover of Rs. 2 lakh for death due to any reason;
- iii. Under Pradhan Mantri Suraksha Bima Yojana (PMSBY), 57.11 crore cumulative enrolments (as on 25.02.2026) have been done to provide one-year accidental cover of Rs. 2 lakh (death or permanent total disability) and Rs. 1 lakh (permanent partial disability) respectively;
- iv. Under Atal Pension Yojana (APY), 8.84 crore cumulative enrolments (as on 25.02.2026) have been done to provide monthly pension to eligible subscribers;
- v. Under Pradhan Mantri Mudra Yojana (PMMY), 57.26 crore loans amounting to Rs. 39.48 lakh crore have been sanctioned to provide collateral-free institutional finance to micro/small business units up to Rs.20 lakh for income generating activities in manufacturing, trading, services sectors including activities allied to agriculture (as on 27.02.2026);
- vi. Under Stand-Up India Scheme (SUPI), 2.75 lakh cumulative loans amounting to Rs. 62,790 crores have been sanctioned to Scheduled Caste / Schedule Tribe and Women entrepreneurs for setting up greenfield projects in the sectors such as manufacturing, trading, services and activities allied to agriculture (as on 31.03.2025).

A robust financial inclusion platform, namely JAM- a Jandhan Aadhaar Mobile pipeline for linking of Jan-Dhan  account  with  mobile  number  and  Aadhaar  has  been  created  which  is  being  extensively leveraged by various Ministries and Departments for the delivery of various welfare benefits like Direct Benefit Transfer (DBT) etc.

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