Jan Suraksha Schemes hit 94.5 crore enrolments in 11 years
Synopsis
India's three flagship social security schemes — PMJJBY, PMSBY, and APY — have crossed 94.5 crore cumulative enrolments on their 11th anniversary, with over ₹25,000 crore in combined claims settled. The milestone underscores a decade-long push to bring low-cost insurance and pension cover to India's most economically vulnerable citizens.
Key Takeaways
Three Jan Suraksha Schemes reached 94.5 crore cumulative enrolments as of 30 April 2025 , marking their 11th anniversary .
PMSBY leads with 58.09 crore enrolments; PMJJBY has 27.43 crore ; APY has 9.04 crore .
PMJJBY has settled claims worth more than ₹21,500 crore for over 10.7 lakh families .
PMSBY has disbursed nearly ₹3,660 crore to over 1.84 lakh families .
An online Jan Suraksha Portal now allows enrolment without visiting bank branches or post offices.
Three Jan Suraksha Schemes — Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY) — have collectively reached 94.5 crore cumulative enrolments as of 30 April 2025, the government announced on Saturday, marking the schemes' 11th anniversary. Launched on 9 May 2015 by Prime Minister Narendra Modi, the trio was designed to extend affordable financial protection to India's underserved and economically vulnerable populations.
Scheme-wise Enrolment Figures
According to official data, the PMSBY — which provides accidental death and disability cover — has recorded the highest uptake with more than 58.09 crore enrolments, making it the largest of the three by subscriber base. The PMJJBY life insurance scheme has crossed 27.43 crore enrolments, while the pension-focused APY has brought in more than 9.04 crore individuals, all figures counted till 30 April 2025.
Claims Settled and Families Supported
Finance Minister Nirmala Sitharaman highlighted the schemes' impact on bereaved and disabled families. The PMJJBY has settled claims worth more than ₹21,500 crore for over 10.7 lakh families, while the PMSBY has disbursed nearly ₹3,660 crore to over 1.84 lakh families. Sitharaman expressed appreciation for bank field functionaries and insurance company staff, crediting their on-ground efforts for the scale of adoption.
Point of View
But the more telling metric is penetration depth — whether these schemes are genuinely reaching first-time insurance and pension holders or cycling through existing formal-sector subscribers. The PMSBY's ₹20 annual premium and PMJJBY's ₹436 premium are designed for low-income access, yet claims data — 10.7 lakh families under PMJJBY against 27.43 crore enrolments — suggests either low mortality rates or persistent claims-process barriers. The shift to a digital Jan Suraksha Portal addresses urban friction but may not resolve the last-mile gap for rural and semi-literate users who still depend on bank correspondents. The real benchmark at year 12 should be claims settlement ratios, not enrolment headlines.
NationPress
9 May 2026
Frequently Asked Questions
What are the three Jan Suraksha Schemes?
The three Jan Suraksha Schemes are Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), a life insurance scheme; Pradhan Mantri Suraksha Bima Yojana (PMSBY), an accidental death and disability cover; and Atal Pension Yojana (APY), a pension scheme for unorganised sector workers. All three were launched on 9 May 2015 by Prime Minister Narendra Modi.
How many people have enrolled in the Jan Suraksha Schemes?
As of 30 April 2025, cumulative enrolments across the three schemes stand at 94.5 crore. PMSBY accounts for 58.09 crore, PMJJBY for 27.43 crore, and APY for 9.04 crore enrolments.
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 nearly ₹3,660 crore to over 1.84 lakh families, according to government data shared on the 11th anniversary.
What is the Jan Suraksha Portal and how does it help?
The Jan Suraksha Portal is an online platform that allows citizens to enrol in the schemes without visiting a bank branch or post office. It also digitises the claims process, enabling faster settlements and timely support to families at the time of need.
Who are the Jan Suraksha Schemes designed for?
The schemes are designed primarily for economically vulnerable and underserved sections of society, including low-income workers in the unorganised sector. The low premium structure — as little as ₹20 per year for PMSBY — aims to make insurance and pension access affordable for the poorest households.
