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GOVERNMENT OF INDIA
MINISTRY OF FINANCE
DEPARTMENT OF FINANCIAL SERVICES
LOK SABHA
STARRED QUESTION NO. *114
TO BE ANSWERED ON MONDAY, 28 JULY, 2025/SRAVANA 6, 1947 (SAKA)
Beneficiaries Enrolled Under PMJJBY, PMSBY and APY
*114. Smt. Smita Uday Wagh:
Shri Bibhu Prasad Tarai:
Will the Minister of FINANCE be pleased to state:
a) the total number of beneficiaries enrolled under Pradhan Mantri Jan Suraksha Schemes-
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima
Yojana (PMSBY) and Atal Pension Yojana (APY) gender-wise and Pradhan Mantri Jan
Dhan Yojana (PMJDY) account-wise breakup in the Country. State/UT-wise including
Karnataka and Maharashtra especially in Jalgaon Lok Sabha constituency;
b) the total number of claims settled and the amount disbursed under PMJJBY and PMSBY
since their inception;
c) whether any impact assessment of these schemes in enhancing financial security for low-
income households has been made and if so, the details thereof;
d) the steps taken/being taken to increase awareness, improve enrolment and reduce drop-
out rates under these schemes: and
e) the total number of Scheduled Caste (SC) and Scheduled Tribe (ST) beneficiaries
covered under these schemes so far in the country, State/UT-wise?
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.
*114 For 28 JULY, 2025/SRAVANA 6, 1947 (SAKA) regarding ‘Beneficiaries Enrolled
Under PMJJBY, PMSBY and APY’ raised by Smt. Smita Uday Wagh, Shri Bibhu Prasad
Tarai, Hon’ble Member of Parliament
(a): The total number of beneficiaries enrolled under Pradhan Mantri Jeevan Jyoti Bima
Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension
Yojana (APY) gender-wise and Pradhan Mantri Jan Dhan Yojana (PMJDY) account-wise,
state/UT-wise including Karnataka and Maharashtra especially in Jalgaon district is given in
Annexure-I, II & III.
(b): The total number of claims settled and the amount disbursed under PMJJBY and PMSBY
since inception is given in Annexure-IV.
(c) to (d):
I. Impact assessment study for PMJDY, PMJJBY and PMSBY is being conducted by
DMEO, NITI Aayog. All these schemes aim to create a universal social security system
for all Indians, especially the poor and the under-privileged.
II. The details of steps taken to increase awareness, improve enrolment and reduce drop-
out rates under APY are as under:
(i) In order to increase coverage under PMJJBY, PMSBY and APY, regular
campaigns were held at grass root level with active participation of banks and local
administration. Further, a 3-month “Financial Inclusion Saturation Campaign” has
been launched across the country in 2.70 lakh gram panchayats and Urban Local
Bodies (ULBs) from 01.07.2025, with the aim of increasing enrolments in PMJJBY,
PMSBY and APY. To achieve saturation in these Jansuraksha schemes, camps
are being 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 is aimed to raise awareness and improve participation,
helping to bridge gaps in enrolment under the scheme.
(ii) Further, a Jansuraksha portal (www.jansuraksha.gov.in) has been created, which
hosts all relevant material/ information including forms, rules, frequently asked
questions (FAQs) etc. related to these schemes in English, Hindi and regional
languages.
(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 these Schemes 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 scheme and periodic review of
performance of banks is done on regular intervals and corrective steps are taken if
required.
(e) These schemes are open to all eligible citizens of India, including SC/STs. However,
the SC/ST wise breakup of the subscribers of these schemes is not centrally maintained.
******Annexure I referred to in reply to Lok Sabha Starred Question No. *114 for 28.07.2025
PMJJBY as on 02.07.2025
Cumulative Male Cumulative Others Total PMJDY a/c holders
Sr. No (A) Female (C) (D=A+B+C) enrolled under
State/UT Name (B) PMSBY-Cumulative
Enrolments (E) [out
of D]
1 ANDAMAN AND 48,533 40,216 263 89,012 7,729
NICOBAR ISLANDS
2 ANDHRA PRADESH 61,14,212 71,20,409 1,95,34,798 3,27,69,419 27,94,066
3 ARUNACHAL PRADESH 1,16,795 1,28,270 14,299 2,59,364 55,176
4 ASSAM 19,97,494 31,01,650 1,55,520 52,54,664 23,64,582
5 BIHAR 56,81,219 98,40,685 25,57,853 1,80,79,757 72,50,959
6 CHANDIGARH 91,295 59,065 1,774 1,52,134 31,817
7 CHHATTISGARH 26,37,534 38,69,412 14,64,070 79,71,016 31,61,926
8 DADRA AND NAGAR 1,04,423 45,920 1,414 1,51,757 32,912
HAVELI
9 DELHI 13,32,903 11,28,138 26,288 24,87,329 7,68,127
10 GOA 1,95,968 1,63,606 1,830 3,61,404 47,861
11 GUJARAT 52,90,790 38,87,744 3,61,036 95,39,570 27,74,533
12 HARYANA 25,62,920 21,58,262 1,97,154 49,18,336 13,68,141
13 HIMACHAL PRADESH 6,29,469 5,38,043 76,356 12,43,868 2,72,841
14 JAMMU AND KASHMIR 5,99,028 3,47,137 1,38,355 10,84,520 1,86,690
15 JHARKHAND 28,40,800 43,42,188 7,86,403 79,69,391 36,48,467
16 KARNATAKA 54,59,968 61,13,077 38,73,101 1,54,46,146 29,51,563
17 KERALA 13,05,170 15,42,070 13,19,783 41,67,023 5,45,389
18 LADAKH 24,575 11,410 925 36,910 2,318
19 LAKSHADWEEP 3,706 2,501 125 6,332 1,430
20 MADHYA PRADESH 65,35,846 80,55,156 4,40,830 1,50,31,832 61,83,762
21 MAHARASHTRA 82,81,629 85,73,524 3,86,965 1,72,42,118 63,18,427
22 MANIPUR 1,17,491 1,72,986 99,650 3,90,127 95,185
23 MEGHALAYA 2,04,464 3,46,354 15,880 5,66,698 2,04,741
24 MIZORAM 1,70,581 1,91,817 4,812 3,67,210 74,186
25 NAGALAND 1,05,657 1,18,401 4,222 2,28,280 56,642
26 ODISHA 36,28,992 55,91,999 15,88,645 1,08,09,636 35,05,283
27 PUDUCHERRY UT 99,285 1,27,760 21,420 2,48,465 37,427
28 PUNJAB 25,29,842 21,26,795 55,703 47,12,340 8,39,564
29 RAJASTHAN 57,72,002 61,71,740 19,76,543 1,39,20,285 52,77,794
30 SIKKIM 75,289 73,024 2,843 1,51,156 14,188
31 TAMIL NADU 40,39,381 61,52,076 3,80,379 1,05,71,836 20,49,458
32 TELANGANA 37,42,040 45,23,802 1,12,523 83,78,365 14,07,827
33 TRIPURA 2,67,394 2,79,486 15,116 5,61,996 1,88,957
34 UTTAR PRADESH 1,32,61,040 1,32,05,109 34,16,099 2,98,82,248 1,08,12,249
35 UTTARAKHAND 8,69,169 7,94,823 50,532 17,14,524 4,35,631
36 WEST BENGAL 55,68,704 79,70,733 2,08,159 1,37,47,596 59,28,606
Country Total 9,23,05,608 10,89,15,388 3,92,91,668 24,05,12,664 7,16,96,454
Jalgaon District 2,52,374 3,20,969 1,532 5,74,875 2,43,603
Source: Banks for Universal Schemes and Insurance Companies for Converged Schemes.
*Others includes enrolments of Converged Schemes, Rural Cooperative Banks (RCB) and urban Cooperative Banks (UCB) for which gender
wise bifurcation is not available.Annexure II referred to in reply to Lok Sabha Starred Question No. *114 for 28.07.2025
PMSBY as on 02.07.2025
Cumulative Male Cumulative Others Total PMJDY a/c
(A) Female (C) (D=A+B+C) holders enrolled
Sr. No State/UT Name (B) under PMSBY-
Cumulative
Enrolments (E)
[out of D]
1 ANDAMAN AND 89,259 68,918 15,539 1,73,716 23,414
NICOBAR ISLANDS
2 ANDHRA PRADESH 1,38,96,700 1,51,71,096 2,60,27,781 5,50,95,577 55,92,913
3 ARUNACHAL PRADESH 2,26,607 2,33,200 1,780 4,61,587 1,14,416
4 ASSAM 58,31,372 73,62,777 1,68,742 1,33,62,891 70,90,793
5 BIHAR 1,49,52,778 1,98,02,996 3,86,423 3,51,42,197 1,63,93,507
6 CHANDIGARH 2,62,627 1,79,817 2,391 4,44,835 90,190
7 CHHATTISGARH 67,26,529 78,05,073 18,71,112 1,64,02,714 65,25,574
8 DADRA AND NAGAR 1,92,164 79,409 9,790 2,81,363 57,337
HAVELI
9 DELHI 36,06,530 28,47,365 11,066 64,64,961 17,93,992
10 GOA 4,16,313 3,35,222 12,473 7,64,008 88,009
11 GUJARAT 1,13,94,898 80,38,649 7,11,518 2,01,45,065 58,99,915
12 HARYANA 64,69,380 49,49,779 33,824 1,14,52,983 32,79,479
13 HIMACHAL PRADESH 17,26,944 13,44,965 40,578 31,12,487 7,59,589
14 JAMMU AND KASHMIR 14,50,198 8,92,668 33,924 23,76,790 5,11,790
15 JHARKHAND 66,01,003 79,69,080 1,55,492 1,47,25,575 69,32,820
16 KARNATAKA 1,16,92,917 1,19,17,891 2,57,341 2,38,68,149 56,85,688
17 KERALA 51,74,760 57,69,332 2,87,712 1,12,31,804 19,58,444
18 LADAKH 45,839 25,059 173 71,071 4,838
19 LAKSHADWEEP 9,575 7,533 12,382 29,490 3,601
20 MADHYA PRADESH 1,73,25,789 1,74,74,978 9,38,870 3,57,39,637 1,53,77,314
21 MAHARASHTRA 1,96,13,233 1,80,77,167 8,01,740 3,84,92,140 1,32,51,447
22 MANIPUR 2,65,389 3,60,500 2,253 6,28,142 2,25,191
23 MEGHALAYA 4,22,212 5,77,428 676 10,00,316 3,70,983
24 MIZORAM 2,66,750 2,79,964 3,165 5,49,879 1,11,386
25 NAGALAND 2,39,475 2,65,825 557 5,05,857 1,30,308
26 ODISHA 1,00,91,003 1,18,42,948 11,93,164 2,31,27,115 81,58,696
27 PUDUCHERRY UT 2,42,012 2,74,895 55,882 5,72,789 71,474
28 PUNJAB 71,99,657 58,89,470 1,03,671 1,31,92,798 27,52,135
29 RAJASTHAN 1,37,50,426 1,32,03,877 3,29,900 2,72,84,203 1,24,16,032
30 SIKKIM 1,50,112 1,31,202 1,439 2,82,753 28,496
31 TAMIL NADU 1,06,87,062 1,45,23,819 7,10,843 2,59,21,724 47,87,521
32 TELANGANA 84,55,927 89,73,293 4,83,329 1,79,12,549 30,79,221
33 TRIPURA 7,53,698 6,30,282 3,349 13,87,329 4,51,008
34 UTTAR PRADESH 3,89,32,171 3,41,21,216 34,72,879 7,65,26,266 3,07,99,049
35 UTTARAKHAND 27,85,793 22,82,624 35,844 51,04,261 14,16,082
36 WEST BENGAL 1,54,40,363 1,90,81,664 1,66,857 3,46,88,884 1,69,79,611
Country Total 23,73,87,465 24,27,91,981 3,83,44,459 51,85,23,905 17,32,12,263
Jalgaon District 6,14,340 6,42,510 10,982 12,67,832 5,18,287
Source: Banks for Universal Schemes and Insurance Companies for Converged Schemes.Others includes enrolments of
Converged Schemes, Rural Cooperative Banks (RCB) and urban Cooperative Banks (UCB) for which gender wise
bifurcation is not available.Annexure III referred in reply to Lok Sabha Starred Question No. *114 for 28.07.2025 (as on 30.6.2025)
Sr.No Cumulative Male Cumulative Female Others Total
State/UT name
(A) (B) (C) (D=A+B+C)
1.
MAHARASHTRA 4,078,880 3,469,980 2,270 7,551,130
2.
KARNATAKA 2,379,937 2,082,418 1,259 4,463,614
3. A NDAMAN AND NICOBAR
8,066 5,857 10 13,933
ISLANDS
4.
ANDHRA PRADESH 1,520,463 2,426,499 2,173 3,949,135
5.
ARUNACHAL PRADESH 19,017 17,672 12 36,701
6.
ASSAM 806,188 1,085,135 422 1,891,745
7.
BIHAR 3,021,259 3,953,442 866 6,975,567
8.
CHANDIGARH 48,394 28,654 52 77,100
9.
CHHATTISGARH 730,110 766,257 255 1,496,622
10.
DELHI 575,096 363,293 526 938,915
11.
GOA 66,221 42,939 61 109,221
12.
GUJARAT 1,924,334 870,658 802 2,795,794
13.
HARYANA 1,083,770 663,421 542 1,747,733
14.
HIMACHAL PRADESH 352,292 226,125 88 578,505
15.
JAMMU AND KASHMIR 169,634 81,949 122 251,705
16.
JHARKHAND 1,016,116 1,344,226 396 2,360,738
17.
KERALA 695,481 814,228 462 1,510,171
18.
LADAKH 4,367 2,438 12 6,817
19.
LAKSHADWEEP 2,016 1,202 6 3,224
20.
MADHYA PRADESH 2,386,773 2,258,839 1,308 4,646,920
21.
MANIPUR 32,297 35,477 56 67,830
22.
MEGHALAYA 36,040 40,833 8 76,881
23.
MIZORAM 14,086 16,017 4 30,107
24.
NAGALAND 20,526 19,447 6 39,979
25.
ODISHA 1,340,648 1,610,508 843 2,951,999
26.
PUDUCHERRY 44,898 58,745 65 103,708
27.
PUNJAB 1,369,845 921,576 575 2,291,996
28.
RAJASTHAN 2,619,613 1,558,841 688 4,179,142
29.
SIKKIM 23,301 20,497 28 43,826
30.
TAMIL NADU 2,198,537 2,929,735 3,003 5,131,275
31.
TELANGANA 1,183,073 1,298,760 1,359 2,483,192
32. T HE DADRA AND NAGAR
HAVELI AND DAMAN AND 34,495 7,159 9 41,663
DIU
33.
TRIPURA 134,410 158,354 23 292,787
34.
UTTAR PRADESH 7,838,734 5,011,822 3,846 12,854,402
35.
UTTARAKHAND 521,464 325,963 238 847,665
36.
WEST BENGAL 2,637,083 3,439,613 1,407 6,078,103
Grand Total 40,937,464 37,958,579 23,802 78,919,845
Jalgaon District 94,814 74,155 83 169,052
Source: PFRDA
Note: PMJDY wise account details not maintained with PFRDAAnnexure IV referred to in reply to Lok Sabha Starred Question No. *114 for 28.07.2025
Claims Data as on 02.07.2025
Cumulative No. of Cumulative Claim Amount
Name of The Scheme
Claims disbursed disbursed (In Rs Cr.)
PMJJBY 9,47,840 18,956.80
PMSBY 1,61,297 3,203.36
Source: Banks and Insurance Companies