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GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
STARRED QUESTION NO. *6
ANSWERED ON MONDAY, 1ST DECEMBER, 2025/AGRAHAYANA 10, 1947(SAKA)
Beneficiaries Enroled under PMJJBY
*6. SMT. GENIBEN NAGAJI THAKOR:
Will the Minister of FINANCE be pleased to state:
(a) the total number of beneficiaries enroled under the Pradhan Mantri Jeevan Jyoti Bima
Yojana (PMJJBY) in the country since its inception, year-wise;
(b) the number of beneficiaries enroled under the said Scheme in the State of Gujarat, year
and district-wise;
(c) the total number of claims received and settled under the PMJJBY across the country
along with the total amount disbursed under these claims, year and State-wise particularly
in Gujarat;
(d) the details of claim settlement ratio and average time taken for settlement of claims under
the said Scheme; and
(e) the measures taken/proposed to be taken by the Government to increase enrolment,
reduce pendency of claims, and ensure timely disbursement of benefits to beneficiaries,
particularly in the State of Gujarat
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. *6 ON MONDAY, 1ST DECEMBER, 2025/AGRAHAYANA
10, 1947(SAKA) REGARDING “BENEFICIARIES ENROLED UNDER PMJJBY”,
RAISED BY SMT. GENIBEN NAGAJI THAKOR, HON’BLE MEMBER OF
PARLIAMENT
(a) The total number of beneficiaries enroled under Pradhan Mantri Jeevan Jyoti Bima
Yojana (PMJJBY) in the country since inception, year-wise is placed at Annexure I.
(b) The number of beneficiaries enroled under the said scheme in the State of Gujarat,
year and district-wise is placed at Annexure II.
(c) The total number of claims received and settled under the PMJJBY across the
country along with the total amount disbursed under these claims, year and State-wise
including in Gujarat is placed at Annexure III
(d) The claim settlement ratio under the said scheme is 99.94% as on 29.10.2025(since
inception). 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 range of 0.61 Days to 17
Days.
(e) With the aim of increasing enrolments, reduce pendency of claims and ensure
timely disbursement of benefits to beneficiaries in PMJJBY, the following measures are
being taken:
i. In order to increase coverage under PMJJBY, PMSBY, regular campaigns were held at
grass root level with active participation of banks and local administration.
ii. Recently, 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. To achieve saturation in PMJJBY and PMSBY, camps were
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 was
aimed to raise awareness and improve participation, helping to bridge gaps in rural
areas including enrolments on the spot. During the 4-month campaign period, 14,610
camps were held in 14,619-gram panchayats of the Gujarat state.
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 PMJJBY and PMSBY
at the state level.
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
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.vi. Allocation of targets to all banks under each social security scheme and periodic review
of performance of banks is done on regular intervals and corrective steps are taken if
required.
vii. A Jansuraksha Portal has been introduced for providing affordable universal access to
social security protection through end-to-end digitized journeys and empowering
beneficiaries through seamless enrolment and claim remittance for PMJJBY and
PMSBY. All 12 Public Sector Banks and 28 Regional Rural Banks and 11 insurers
have been onboarded on the portal. Further in order to increase the awareness of social
security schemes, the Jansuraksha portal (www.jansuraksha.gov.in) hosts all relevant
material/ information including forms, rules, frequently asked questions (FAQs) etc.
related to these schemes in English, Hindi and regional languages including Gujarati.
*****Annexure I referred to in reply to Lok Sabha Starred Question No. *6 for answer on 1.12.2025
for total number of beneficiaries enroled under PMJJBY in the country since its inception, year-
wise
Total number of beneficiaries enrolled under PMJJBY since inception
Date as on Cumulative Enrolments
31.05.2017 3,12,66,032
31.05.2018 5,36,01,384
31.05.2019 6,05,48,934
31.05.2020 7,15,17,482
31.05.2021 10,34,78,174
31.05.2022 12,89,49,003
31.05.2023 16,31,01,675
31.05.2024 20,16,80,800
31.05.2025 23,76,73,111
29.10.2025 25,45,85,997
Source: Banks and Insurance CompaniesAnnexure II referred to in reply to Lok Sabha Starred Question No. *6 for answer on 1.12.2025
for number of beneficiaries enroled under the said Scheme in the State of Gujarat, year and
district-wise
District wise Cumulative Enrolments of PMJJBY of State - Gujarat
Sl As on As on As on As on As on As on As on
N District 31.05.201 As on As on 31.05.202 31.05.202 31.05.202 31.05.202 31.05.202 As on 29.10.202
o Name 7 31.05.2018 31.05.2019 0 1 2 3 4 31.05.2025 5
1 Ahmadabad 3,71,455 4,03,976 4,54,006 5,14,141 5,40,115 6,32,671 7,51,249 9,20,811 10,50,753 11,16,113
2 Amreli 30,239 33,752 39,114 49,223 59,151 79,795 1,05,497 1,40,623 1,71,417 1,87,689
3 Anand 79,233 85,992 1,05,137 1,25,374 1,55,870 1,95,492 2,43,474 3,01,120 3,49,172 3,76,661
Banas
4 Kantha 57,885 66,511 83,677 1,15,226 1,41,564 1,90,784 2,52,151 3,31,971 4,03,466 4,38,138
5 Bharuch 53,429 58,028 71,188 86,401 1,05,654 1,28,285 1,59,513 1,98,020 2,36,420 2,56,640
6 Bhavnagar 53,483 60,081 72,170 92,528 1,10,800 1,55,470 2,18,784 2,93,140 3,55,930 3,81,865
7 Dang 4,244 4,529 6,303 9,055 9,313 14,560 19,005 28,406 36,214 41,200
8 Dohad 17,893 20,541 37,192 50,108 79,844 1,21,151 1,69,670 2,36,536 2,93,138 3,15,414
9 Gandhinagar 67,959 73,554 86,830 1,05,476 1,12,780 1,37,174 1,71,064 2,11,914 2,48,822 2,70,017
10 Jamnagar 47,674 52,962 64,183 76,327 89,232 1,11,497 1,42,259 1,84,690 2,20,841 2,39,731
11 Junagadh 38,606 39,429 48,503 60,341 69,751 96,443 1,27,769 1,74,980 2,11,915 2,31,652
12 Kachchh 66,055 75,239 88,813 1,10,116 1,03,157 1,40,943 1,83,921 2,85,642 3,35,452 3,61,004
13 Kheda 59,105 65,124 82,418 1,02,612 1,30,229 1,70,872 2,24,505 2,92,355 3,46,029 3,70,731
14 Mahesana 1,08,560 1,19,834 1,39,430 1,73,793 1,80,074 2,22,911 2,72,742 3,42,470 3,97,110 4,24,439
15 Narmada 11,835 13,344 19,464 25,080 31,886 43,325 57,168 75,523 92,462 99,779
16 Navsari 47,440 53,440 67,807 81,987 97,997 1,25,757 1,56,192 1,87,818 2,12,849 2,28,016
Panch
17 Mahals 35,840 39,523 53,161 67,365 94,696 1,50,522 2,08,881 2,89,941 3,50,023 3,77,505
18 Patan 39,574 44,085 55,246 71,013 77,525 98,533 1,25,752 1,61,762 1,92,834 2,08,717
19 Porbandar 11,457 13,860 16,413 19,866 24,615 32,972 45,155 62,966 76,351 84,917
20 Rajkot 1,41,973 1,51,025 1,70,328 1,97,870 2,04,261 2,52,910 3,14,366 3,92,874 4,61,035 4,95,792
Sabar
21 Kantha 77,806 80,368 92,969 1,10,707 1,06,462 1,34,904 1,61,298 2,03,420 2,38,665 2,57,367
22 Surat 2,17,851 2,39,284 2,81,469 3,33,021 3,83,148 4,81,879 6,18,990 7,52,135 8,71,011 9,27,116
Surendranag
23 ar 27,840 32,885 41,020 56,152 70,618 1,00,348 1,48,533 2,14,595 2,65,087 2,93,368
24 Vadodara 1,97,878 2,10,711 2,54,760 2,89,577 3,08,548 3,63,074 4,37,473 5,33,110 6,27,604 6,73,776
25 Valsad 47,792 52,415 68,010 81,493 1,01,567 1,33,536 1,72,996 2,26,755 2,69,802 2,92,945
26 Tapi 7,375 7,475 9,872 12,812 22,938 37,240 54,569 76,727 97,238 1,07,495
Chhotaudep
27 ur 2,297 7,194 8,706 15,085 44,723 65,982 90,007 1,17,201 1,43,871 1,56,645
28 Mahisagar 3,343 5,853 6,340 7,657 32,104 41,881 55,546 74,084 90,213 1,01,505
29 Arvalli 13,748 19,278 22,300 30,940 41,712 59,283 75,781 1,07,119 1,29,271 1,42,125
30 Morbi 6,478 11,158 13,307 19,541 36,085 52,196 76,411 1,05,886 1,28,670 1,41,346
Devbhumi
31 Dwarka 5,177 6,343 8,734 12,029 22,483 36,444 47,743 68,952 86,628 94,889
32 Gir Somnath 4,811 12,037 14,447 21,925 38,499 62,774 91,659 1,21,903 1,47,661 1,60,586
33 Botad 5,340 7,586 9,318 13,042 14,196 24,746 36,155 50,593 62,030 67,488
Others* 0 0 0 0 0 0 0 2,07,508 2,07,508 2,07,508
Gujarat State 1,01,30,1
Total 19,61,675 21,67,416 25,92,635 31,37,883 36,41,597 46,96,354 60,16,278 79,73,550 94,07,492 79
Source: Banks and Insurance Companies
Others* includes enrolments for which district wise distribution is not available.Annexure III referred to in reply to Lok Sabha Starred Question No. *6 for answer on 1.12.2025
for total number of claims received and settled under the PMJJBY across the country along
with the total amount disbursed under these claims, year and State-wise including in Gujarat
For Years 2017-2019
As on 31.05.2017 As on 31.05.2018 As on 31.05.2019
Amount Amount Amount
S.No. State Name No. of No. of Paid in No. of No. of Paid in No. of No. of Paid in
Claims Claims Claims Claims Claims Claims
Rs. Rs. Rs.
Received Paid Received Paid Received Paid
Crore Crore Crore
ANDAMAN &
1 NICOBAR 21 21 0.42 27 27 0.54 39 39 0.78
ISLANDS
ANDHRA
2 5452 5041 100.82 8545 7579 151.58 12120 10968 219.36
PRADESH
ARUNACHAL
3 58 53 1.06 81 78 1.56 119 116 2.32
PRADESH
4 ASSAM 1523 1386 27.72 2448 2248 44.96 3666 3369 67.38
5 BIHAR 1427 1326 26.52 2244 2033 40.66 3218 2943 58.86
6 CHANDIGARH 89 82 1.64 145 133 2.66 204 186 3.72
7 CHHATTISGARH 2734 2552 51.04 3864 3544 70.88 6107 5681 113.62
Dadra & Nagar
8 Haveli and Daman 33 28 0.56 55 50 1 93 85 1.7
& Diu
9 GOA 148 137 2.74 238 230 4.60 325 313 6.26
10 GUJARAT 5255 4942 98.84 8377 7383 147.66 12348 11444 228.88
11 HARYANA 1917 1762 35.24 3257 2895 57.90 4881 4372 87.44
HIMACHAL
12 455 415 8.30 715 657 13.14 1082 949 18.98
PRADESH
JAMMU &
13 77 72 1.44 116 112 2.24 168 151 3.02
KASHMIR
14 JHARKHAND 700 665 13.30 1116 1061 21.22 1744 1635 32.70
15 KARNATAKA 6107 5824 116.48 8825 8451 169.02 13065 12439 248.78
16 KERALA 701 671 13.42 1000 970 19.40 1561 1477 29.54
17 LAKSHADWEEP 0 0 0.00 0 0 0.00 0 0 0.00
MADHYA
18 5193 4900 98.00 7851 7254 145.08 10678 9877 197.54
PRADESH
19 MAHARASHTRA 5868 5462 109.24 9188 8528 170.56 12697 11740 234.80
20 MANIPUR 63 60 1.20 101 100 2.00 157 147 2.94
21 MEGHALAYA 46 44 0.88 74 66 1.32 144 137 2.74
22 MIZORAM 224 217 4.34 253 245 4.90 494 473 9.46
23 NAGALAND 46 41 0.82 55 53 1.06 85 83 1.66
24 Delhi 1090 1038 20.76 1780 1654 33.08 2523 2371 47.42
25 Odisha 2035 1919 38.38 3103 2837 56.74 4669 4293 85.86
26 PUDUCHERRY 92 92 1.84 161 149 2.98 214 203 4.06
27 PUNJAB 1157 1061 21.22 1814 1697 33.94 2434 2239 44.78
28 RAJASTHAN 3939 3641 72.82 6093 5052 101.04 9379 8411 168.2229 SIKKIM 32 31 0.62 48 47 0.94 70 65 1.30
30 TAMIL NADU 3064 2965 59.30 5086 4848 96.96 7606 7138 142.76
31 TELANGANA 6200 5770 115.40 8680 7867 157.34 13333 12281 245.62
32 TRIPURA 120 113 2.26 185 172 3.44 235 222 4.44
33 UTTAR PRADESH 7940 7413 148.26 13676 12091 241.82 20137 18030 360.60
34 UTTARAKHAND 818 755 15.10 1174 1059 21.18 1723 1595 31.90
35 WEST BENGAL 2068 1976 39.52 3270 3092 61.84 4783 4445 88.90
36 LADAKH 0 0 0.00 0 0 0.00 0 0 0.00
37 Others* 17 4 0.08 0 0 0.00 0 0 0.00
Total 66709 62479 1249.58 103645 94262 1885.24 152101 139917 2798.34
For Years 2020-2022
As on 31.05.2020 As on 31.05.2021 As on 31.05.2022
Amount Amount Amount
S.No. State Name No. of No. of Paid in No. of No. of Paid in No. of No. of Paid in
Claims Claims Claims Claims Claims Claims
Rs. Rs. Rs.
Received Paid Received Paid Received Paid
Crore Crore Crore
ANDAMAN &
1 NICOBAR 51 49 0.98 62 60 1.2 97 93 1.86
ISLANDS
ANDHRA
2 14699 13670 273.4 20159 18367 367.34 39944 35290 705.80
PRADESH
ARUNACHAL
3 153 149 2.98 189 185 3.7 279 271 5.42
PRADESH
4 ASSAM 4494 4168 83.36 5603 5243 104.86 8754 7858 157.16
5 BIHAR 4272 3948 78.96 5830 5464 109.28 12515 11748 234.96
6 CHANDIGARH 246 234 4.68 313 299 5.98 467 437 8.74
7 CHHATTISGARH 7727 7266 145.32 10432 9898 197.96 17940 16600 332.00
Dadra & Nagar
8 Haveli and 119 108 2.16 152 139 2.78 268 252 5.04
Daman & Diu
9 GOA 402 387 7.74 503 481 9.62 744 703 14.06
10 GUJARAT 16327 15262 305.24 22424 21130 422.6 38347 36091 721.82
11 HARYANA 6401 5896 117.92 8402 7791 155.82 12143 10937 218.74
HIMACHAL
12 1377 1263 25.26 1816 1691 33.82 2920 2655 53.10
PRADESH
JAMMU &
13 201 192 3.84 262 251 5.02 1340 1325 26.50
KASHMIR
14 JHARKHAND 2388 2249 44.98 3260 3085 61.7 5453 5053 101.06
15 KARNATAKA 16048 15361 307.22 21101 20266 405.32 36500 34864 697.28
16 KERALA 1878 1840 36.8 2168 2119 42.38 3180 3077 61.54
17 LAKSHADWEEP 0 0 0 1 1 0.02 2 2 0.04
MADHYA
18 13725 12670 253.4 18200 16904 338.08 30298 27846 556.92
PRADESH19 MAHARASHTRA 16081 15018 300.36 22161 20744 414.88 35461 32912 658.24
20 MANIPUR 209 197 3.94 252 240 4.8 456 432 8.64
21 MEGHALAYA 192 182 3.64 282 275 5.5 425 394 7.88
22 MIZORAM 586 579 11.58 841 834 16.68 1056 1016 20.32
23 NAGALAND 101 99 1.98 133 130 2.6 202 183 3.66
24 Delhi 3130 2998 59.96 3975 3809 76.18 6206 5847 116.94
25 Odisha 6060 5630 112.6 8554 7982 159.64 13341 12014 240.28
26 PUDUCHERRY 265 250 5 324 307 6.14 520 485 9.70
27 PUNJAB 3031 2865 57.3 3904 3705 74.1 6103 5640 112.80
28 RAJASTHAN 13229 12050 241 18623 17285 345.7 29855 27393 547.86
29 SIKKIM 87 85 1.7 106 103 2.06 145 135 2.70
30 TAMIL NADU 10058 9520 190.4 12997 12135 242.7 19249 16979 339.58
31 TELANGANA 16315 15530 310.6 22117 21162 423.24 32282 29952 599.04
32 TRIPURA 285 272 5.44 344 328 6.56 790 762 15.24
UTTAR
33 26379 24299 485.98 34955 32323 646.46 55081 50004 1000.08
PRADESH
34 UTTARAKHAND 2176 2038 40.76 2704 2554 51.08 4191 3855 77.10
35 WEST BENGAL 6339 5943 118.86 8674 8158 163.16 13398 12309 246.18
36 LADAKH 4 4 0.08 4 4 0.08 14 14 0.28
37 Others* 0.00 0 0 0 0 0 184713 190216 3804.32
Total 195035 182271 3645.42 261827 245452 4909.04 614679 585644 11712.88
For Years 2023-2025
As on 31.05.2023 As on 31.05.2024 As on 31.05.2025 As on 29.10.2025
Amo
Amou No. of unt No.
No. of Amoun No. of No. of Amou
S.N No. of No. of nt Claim No. of Paid of
StateName Claims t Paid Claims Claims nt Paid
o. Claims Claims Paid s Claims in Claim
Receiv in Rs. Receiv Receiv in Rs.
Paid Paid in Rs. Recei Paid Rs. s
ed Crore ed ed Crore
Crore ved Cror Paid
e
ANDAMAN
&
1 112 107 2.14 132 127 2.54 200 195 3.90 214 209 4.18
NICOBAR
ISLANDS
ANDHRA 22867 4392. 24088 4623. 2354 4708.3
2 221004 212057 4241.14 219628 231165 245465
PRADESH 0 56 2 30 16 2
ARUNACH
3 AL 348 338 6.76 449 436 8.72 975 948 18.96 1030 1002 20.04
PRADESH
214.9 257.1 1364
4 ASSAM 10176 9249 184.98 11751 10747 14341 12857 15182 272.86
4 4 3
433.6 538.1 2855
5 BIHAR 19762 18766 375.32 22942 21683 29412 26909 31152 571.00
6 8 0
CHANDIGA
6 534 504 10.08 592 565 11.30 722 646 12.92 742 663 13.26
RH
CHHATTIS 495.4 622.8 3344
7 22731 21371 427.42 26186 24772 33704 31143 36190 668.80
GARH 4 6 0Dadra &
Nagar
8 Haveli and 304 288 5.76 311 296 5.92 456 436 8.72 458 438 8.76
Daman &
Diu
9 GOA 821 784 15.68 883 842 16.84 1226 1168 23.36 1259 1199 23.98
874.6 1118. 5740 1148.0
10 GUJARAT 43438 41445 828.90 45879 43730 60347 55902 62001
0 04 3 6
297.2 341.0 1755
11 HARYANA 15070 13530 270.60 16321 14864 20264 17054 20869 351.08
8 8 4
HIMACHAL
12 3619 3279 65.58 4023 3633 72.66 4930 4094 81.88 5067 4216 84.32
PRADESH
JAMMU &
13 2082 2018 40.36 2138 2091 41.82 2427 2340 46.80 2461 2374 47.48
KASHMIR
JHARKHA 202.4 281.4 1606
14 8164 7687 153.74 10622 10121 14865 14071 16948 321.20
ND 2 2 0
KARNATA 985.1 1195. 6109 1221.8
15 46512 44700 894.00 51152 49256 62820 59753 64834
KA 2 06 3 6
102.3
16 KERALA 4223 4096 81.92 4513 4371 87.42 5346 5115 5528 5271 105.42
0
LAKSHAD
17 2 2 0.04 2 2 0.04 131 123 2.46 131 123 2.46
WEEP
MADHYA 754.0 968.9 5112 1022.5
18 35615 32980 659.60 40442 37701 53120 48449 55917
PRADESH 2 8 7 4
MAHARAS 860.9 966.2 4996
19 43247 40527 810.54 45819 43045 52463 48314 54213 999.32
HTRA 0 8 6
20 MANIPUR 518 485 9.70 550 518 10.36 657 595 11.90 690 624 12.48
MEGHALA
21 554 519 10.38 694 661 13.22 895 857 17.14 1007 965 19.30
YA
22 MIZORAM 1466 1418 28.36 1817 1775 35.50 2426 2384 47.68 2762 2719 54.38
NAGALAN
23 273 256 5.12 347 329 6.58 477 449 8.98 522 493 9.86
D
142.8 161.7
24 Delhi 7035 6640 132.80 7537 7140 8856 8086 9095 8289 165.78
0 2
443.6 558.3 2977
25 Odisha 20291 18987 379.74 23655 22182 30102 27915 32062 595.54
4 0 7
PUDUCHE
26 582 558 11.16 650 614 12.28 737 683 13.66 754 693 13.86
RRY
154.0 180.5
27 PUNJAB 7512 6990 139.80 8290 7702 10183 9028 10610 9423 188.46
4 6
RAJASTHA 713.4 975.9 5116 1023.2
28 34978 32535 650.70 38162 35670 54637 48797 57051
N 0 4 0 0
29 SIKKIM 172 162 3.24 201 192 3.84 288 261 5.22 307 279 5.58
TAMIL 464.3 531.2 2727
30 22670 20864 417.28 25308 23219 29926 26564 31158 545.40
NADU 8 8 0
TELANGA 761.6 860.7 4472
31 38035 35716 714.32 40449 38082 45800 43036 47605 894.52
NA 4 2 6
32 TRIPURA 845 811 16.22 884 851 17.02 982 900 18.00 1002 920 18.40
UTTAR 1368. 10496 1858. 9717 1943.4
33 66608 60332 1206.64 74726 68415 92920 109826
PRADESH 30 0 40 2 4
UTTARAK 101.9 124.0
34 4927 4522 90.44 5509 5099 6989 6200 7376 6574 131.48
HAND 8 0
WEST 396.7 524.0 2854
35 17458 16181 323.62 21259 19836 28996 26202 31477 570.88
BENGAL 2 4 4
36 LADAKH 14 14 0.28 14 14 0.28 15 14 0.28 15 14 0.28
67220. 1549. 1600. 1023 2047.9
37 Others* 771 11660 233.20 77497 42648 80040 61991
00 94 80 96 2
13447.5 83009 15954 96820 1871 102497 9917 19835.
Total 702473 672378 797706 935613
6 9 .12 5 2.26 1 85 70
Source: Banks and Insurance companies; * claims for which State-wise distribution is not available
Note: State wise distribution of claims data from 31.05.2022 and onwards comprises claims under converged schemes also.
*****