Jan Suraksha Schemes turn 11: 94.5 crore enrolled, ₹25,000 crore in claims
Synopsis
India's three Jan Suraksha Schemes — PMJJBY, PMSBY, and APY — turned 11 on 9 May 2025 with a combined 94.5 crore enrolments and over ₹25,000 crore in settled claims, underscoring their scale as among the world's largest low-cost social security nets.
Key Takeaways
Jan Suraksha Schemes completed 11 years on 9 May 2025 , launched originally on 9 May 2015 .
Combined cumulative enrolments across all three schemes stand at 94.5 crore .
PMJJBY has settled claims worth more than ₹21,500 crore for over 10.7 lakh families .
PMSBY has disbursed more than ₹3,660 crore in claims for over 1.84 lakh families .
APY has enrolled more than 9.04 crore individuals as of 30 April 2025 .
PM Modi specifically highlighted women — Nari Shakti — as key beneficiaries of the APY .
Prime Minister Narendra Modi on 9 May 2025 marked the 11th anniversary of the Jan Suraksha Schemes, saying the flagship social security and pension programmes reflect the government's commitment to bring dignity, assurance, and financial security to every Indian — especially the most vulnerable. The three schemes have collectively recorded 94.5 crore cumulative enrolments.
The Three Schemes at a Glance
Launched on 9 May 2015 by Modi, the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY) were designed to extend affordable financial protection to underserved and economically vulnerable sections of society. Over the past decade, the schemes have become among the most widely subscribed social security instruments in India's history.
Enrolment and Claims Data
As of 30 April 2025, enrolments under PMJJBY have exceeded 27.43 crore, while PMSBY has crossed 58.09 crore subscribers — making it the largest of the three by coverage. The APY has enrolled more than 9.04 crore individuals, primarily targeting workers in the unorganised sector seeking retirement income security.
On the claims front, PMJJBY has settled claims worth more than ₹21,500 crore for over 10.7 lakh families. The PMSBY scheme has disbursed more than ₹3,660 crore in claims for over 1.84 lakh families, providing accident-linked insurance cover at a nominal annual premium.
What PM Modi Said
Modi shared a MyGovIndia thread on X (formerly Twitter) to mark the occasion.
Point of View
But the more revealing metric is claims settlement — ₹25,000 crore paid out to roughly 12.5 lakh families represents real financial relief at the grassroots. The schemes' genius lies in ultra-low premiums, which removed the affordability barrier that had kept informal-sector workers outside the insurance net for decades. The harder question, rarely asked, is whether enrolment translates to active, lapse-free coverage — premium discontinuity remains a documented challenge in low-income cohorts. As APY matures and its subscribers approach retirement age, the government's ability to honour pension commitments at scale will be the true test of the programme's long-term fiscal design.
NationPress
11 May 2026
Frequently Asked Questions
What are the Jan Suraksha Schemes?
The Jan Suraksha Schemes are three government-backed social security programmes — PMJJBY (life insurance), PMSBY (accident insurance), and APY (pension) — launched on 9 May 2015 by PM Modi to provide affordable financial protection to underserved sections of society. Together they have recorded 94.5 crore cumulative enrolments.
How many people have enrolled in PMJJBY, PMSBY, and APY?
As of 30 April 2025, PMJJBY has over 27.43 crore enrolments, PMSBY has over 58.09 crore, and APY has over 9.04 crore subscribers. The combined total across all three schemes is 94.5 crore.
How much has been paid out in claims under these schemes?
PMJJBY has settled claims worth more than ₹21,500 crore for over 10.7 lakh families, while PMSBY has disbursed more than ₹3,660 crore for over 1.84 lakh families, totalling more than ₹25,000 crore in combined payouts.
Who benefits most from the Atal Pension Yojana?
APY primarily targets workers in the unorganised sector, enabling them to build a pension corpus for retirement. PM Modi specifically noted that women — referred to as Nari Shakti — have been among the most significant beneficiaries of the scheme.
Why did PM Modi mark the 11th anniversary of these schemes?
Modi used the occasion to reaffirm the government's commitment to inclusive social security, sharing enrolment and claims data on X to highlight the schemes' grassroots impact. He described them as a reflection of the NDA government's goal to bring dignity and financial resilience to all Indians.
