Lok Sabha Question No. 5033 (UNSTARRED), answered on 2026-03-23
Subject: Pradhan Mantri Jeevan Jyoti Bima Yojana
Ministry: FINANCE
Asked by: Shri Ramashankar  Vidharthi Rajbhar

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

## LOK SABHA UN-STARRED QUESTION NO- †5033

ANSWERED ON MONDAY, MARCH 23, 2026 / CHAITRA 02,1948 (SAKA)

## Pradhan Mantri Jeevan Jyoti Bima Yojana

## †5033. SHRI RAMASHANKAR VIDHARTHI RAJBHAR:

Will the Minister of FINANCE be pleased to state:

- (a) the total number of beneficiaries enrolled and active policies under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) in the country, particularly in Deoria and Ballia districts of Uttar Pradesh during the last five years and the current year, year-wise;
- (b) the number of policies discontinued due to insufficient balance in the bank account at the time of auto debit during the said period;
- (c) the numbers of claims registered, approved, rejected and pending along with the details of claim settlement ratio and the average time period of their settlement; and
- (d) the concrete steps taken by the Government to mitigate policy lapses, ensure speedy settlement of pending claims and increase awareness among beneficiaries particularly in Deoria and Ballia district in Uttar Pradesh?

## ANSWER

## MINISTER OF STATE IN THE MINISTRY OF FINANCE

## (SHRI PANKAJ CHAUDHARY)

- (a) to (c): Details are placed at Annexure - A.
- (d):  An  annual  action  plan  is  issued  prior  to  the  renewal  cycle,  to  implementing  banks,  post offices,  insurance  companies,  and  the  Life  Insurance  Council  to  reduce  policy  lapses.  To improve claim settlement efficiency, all implementing agencies are advised from time to time to expedite claim settlement and to ensure timely disbursement.

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 aimed at raising awareness and improving participation.

For  providing  affordable  universal  access  to  social  security  protection  through  end-to-end digitized journey for enrolment and claim remittance Jan Suraksha Portal has been introduced. All  12  Public  Sector  Banks  and  28  Regional  Rural  Banks  and  11  insurers  have  been onboarded on the portal.

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## (a) Details of cumulative enrolments under PMJJBY

| District / State Name   | As on 31.05.2021   | As on 31.05.2022   | As on 31.05.2023   | As on 31.05.2024   | As on 31.05.2025   | As on 25.02.2026   |
|-------------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|
| Deoria                  | 85,526             | 1,18,095           | 1,66,478           | 2,75,474           | 3,33,590           | 3,85,973           |
| Ballia                  | 1,11,842           | 1,64,680           | 2,36,138           | 3,91,273           | 4,60,403           | 5,16,934           |
| Country Total           | 10,34,78,174       | 12,89,49,003       | 16,31,01,675       | 20,16,80,800       | 23,76,73,111       | 26,88,14,456       |

## Details of Active enrolments under PMJJBY

| District / State Name   | As on 31.05.2021   | As on 31.05.2022   | As on 31.05.2023   | As on 31.05.2024   | As on 31.05.2025   | As on 25.02.2026   |
|-------------------------|--------------------|--------------------|--------------------|--------------------|--------------------|--------------------|
| Deoria                  | -                  | 89,493             | 1,15,771           | 1,58,499           | 1,78,901           | 1,91,647           |
| Ballia                  | -                  | 1,30,291           | 1,67,344           | 2,11,102           | 2,30,501           | 2,35,094           |
| Country Total           | 4,91,15,993        | 6,63,48,227        | 8,59,99,833        | 10,66,91,953       | 12,04,79,905       | 12,63,91,904       |

## (b) Details of policies discontinued under PMJJBY, due to insufficient balance in bank account

| Policy Year 2021-22   | Policy Year 2022-23   | Policy Year 2023-24   | Policy Year 2024-25   | Policy Year 2025-26   |
|-----------------------|-----------------------|-----------------------|-----------------------|-----------------------|
| 75,25,611             | 1,29,85,289           | 1,66,45,050           | 1,92,50,424           | 2,32,41,765           |

## (c) Details of cumulative claims data of PMJJBY as on 25.02.2026

| Claims Registered   | Claims approved   | Rejected   |   Pending | Claim Settlement Ratio   |
|---------------------|-------------------|------------|-----------|--------------------------|
| 10,78,972           | 10,45,450         | 32,909     |       613 | 99.94%                   |

As  per  the  insurance  sector  regulator,  Insurance  Regulatory  and  Development  Authority  of  India (IRDAI), the average time taken for settlement of PMJJBY claim varies across various insurers and is in the arrange of 0.61 Days to 17 days.