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Date: 2025-12-15 Category: Not Applicable State: Union Government Country: India

Parliament Question: PM Jeevan Jyoti Bima Yojana in Maharashtra

Issued by FINANCE · Not Applicable

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Executive Summary & Key Takeaways

**Executive Summary** This document is the response to Lok Sabha Unstarred Question No. †2483, answered on December 15, 2025, regarding the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) in Maharashtra. It provides details on the number of enrollments in Maharashtra since the scheme's inception, steps taken to increase awareness, whether changes to the insured amount or premium are being considered, and measures to improve coordination for monitoring and grievance redressal. An annexure provides a district-wise breakdown of enrollments as of November 26, 2025. **Key Points / Main Content** * **Enrollment Statistics:** * District-wise enrollment data for PMJJBY in Maharashtra, specifically in rural and semi-urban areas, as of November 26, 2025, is provided in Annexure I. * The total number of enrollments in Maharashtra is 1,86,15,402. * **Awareness and Enrollment Initiatives:** * Regular grassroots campaigns are conducted with the involvement of banks and local administration. * A four-month "Financial Inclusion Saturation Campaign" was launched from July 1, 2025, to October 31, 2025, targeting 2.70 lakh gram panchayats and Urban Local Bodies (ULBs) across the country. * 27,593 camps were held in 27,594-gram panchayats in Maharashtra during this campaign. * **Coordination and Monitoring:** * State Level Bankers' Committees (SLBCs) / Union Territory Level Bankers' Committees (UTLBCs) coordinate with State Governments, District Collectors, Banks, Government agencies, Lead District Managers, and Financial Institutions to improve coverage. * 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. * **Digital Accessibility and Information:** * A Jansuraksha Portal has been introduced for digitized journeys. All 12 Public Sector Banks, 28 Regional Rural Banks and 11 insurers have been onboarded on the portal. * The Jansuraksha portal (www.jansuraksha.gov.in) hosts relevant materials and information related to the scheme in English, Hindi, and regional languages. * **Current Policy:** * No revisions to the PMJJBY are currently under consideration. **Impact Analysis** **Banks and Banking Correspondents (BCs)** * **Impact:** Banks are allocated targets, and their performance is periodically reviewed. BCs are actively involved in enrolling eligible individuals in the PMJJBY. * **Action Required:** Banks must participate in grassroots campaigns, conduct camps at the gram panchayat level and in ULBs, and cooperate with state and district administrations for campaign organization. BCs must continue to enroll eligible participants. **State Governments, District Collectors, and Local Administration** * **Impact:** Collaboration is required to ensure effective implementation and monitoring of the PMJJBY scheme. * **Action Required:** State governments, district collectors, and local administrations are expected to actively participate in the Financial Inclusion Saturation Campaign and grassroots campaigns, ensuring coordination with banks and other stakeholders. **General Public (Residents of Maharashtra)** * **Impact:** Increased awareness and easier access to the PMJJBY scheme through campaigns and camps. * **Action Required:** Participate in the camps, seek information and assistance, and consider enrolling in the PMJJBY scheme for social security protection. **Beneficiaries (Enrolled Participants of PMJJBY)** * **Impact:** Seamless enrollment and claim remittance through the Jansuraksha Portal. * **Action Required:** Utilize the Jansuraksha Portal for enrollment and claim-related processes and access information.

Key Entities Referenced

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): A government-sponsored life insurance scheme in India aimed at providing affordable life insurance coverage to the masses. Maharashtra: Indian state where the scheme's enrollment statistics and related activities are being discussed. Ministry of Finance: The Indian government ministry responsible for overseeing the PMJJBY scheme and providing answers to parliamentary questions about it. Financial Inclusion Saturation Campaign: A campaign launched across the country in gram panchayats and Urban Local Bodies (ULBs) to achieve saturation in PMJJBY enrollment. State Level Bankers' Committees (SLBCs): Committees that coordinate among all stakeholders including State Governments for financial inclusion and implementation of schemes like PMJJBY.
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GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES LOK SABHA UNSTARRED QUESTION No. †2483 ANSWERED ON MONDAY, 15TH DECEMBER 2025/AGRAHAYANA 24, 1947 (SAKA) PM JEEVAN JYOTI BIMA YOJANA IN MAHARASHTRA †2483. SHRI OMPRAKASH BHUPALSINH ALIAS PAVAN RAJENIMBALKAR: Will the Minister of FINANCE be pleased to state: (a) the total number of persons enrolled under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) in Maharashtra since its inception, along with district-wise details especially in the rural and semi-urban areas of Dharashiv, Beed, Latur and Nanded; (b) the steps taken by the Government to increase awareness of the said scheme in rural and semi-urban areas of the said State; (c) whether the Government proposes to increase the insured amount, reduce the premium or provide additional benefits to improve participation, if so, the details thereof; and (d) the steps taken by the Government to establish coordination with the State Government, District Collectors and lead banks for better monitoring and grievance redressal? ANSWER MINISTER OF STATE IN THE MINISTRY OF FINANCE (SHRI PANKAJ CHAUDHARY) (a): The total number of persons enrolled under the PM Jeevan Jyoti Bima Yojana (PMJJBY) in Maharashtra since its inception along with District-wise details particularly with regard to the rural and semi-urban areas of Dharashiv, Beed, Latur and Nanded is attached at Annexure-I. (b) to (d): The details of steps taken to increase awareness, improve enrolment and to reduce drop-out rates under PMJJBY Scheme are as under: i. In order to increase coverage under PMJJBY regular campaigns are held at grass root level from time to time 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, 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 27,593 camps were held in 27,594-gram panchayats of the Maharashtra state. These camps were held in coordination with State Government and district administrations. iii. The State Level Bankers' Committees (SLBCs) / Union Territory Level Bankers' Committees (UTLBCs) coordinate among all stakeholders including State Governments,District Collectors, Banks, Government agencies, Lead District Managers and Financial Institutions to increase coverage under PMJJBY 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 PMJJBY. 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. All 12 Public Sector Banks, 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 this scheme in English, Hindi and regional languages. Currently, no revision is under consideration for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY). *****Annexure I referred to in reply to LOK SABHA Un-Starred Question No. †2483 for 15.12.2025 District wise Rural/Semi-urban enrolments of Maharashtra for PMJJBY as on 26.11.2025 Converged Sl Rural/ Semi- Schemes/ Cumulative No District Name Urban Urban RCB* Enrolments 1 Ahmednagar 5,18,812 1,28,134 17,606 6,64,552 2 Akola 1,29,927 1,49,104 1,652 2,80,683 3 Amravati 2,29,880 1,68,808 308 3,98,996 4 Aurangabad 3,81,853 3,23,566 3,192 7,08,611 5 Beed 3,72,334 1,53,082 311 5,25,727 6 Bhandara 2,67,250 16,580 203 2,84,033 7 Buldhana 3,52,087 38,725 1 3,90,813 8 Chandrapur 2,96,077 1,61,587 21 4,57,685 9 Dhule 2,22,083 80,624 36 3,02,743 10 Dharashiv/Osmanabad 2,59,638 65,191 102 3,24,931 11 Gadchiroli 1,56,550 3,196 2,377 1,62,123 12 Gondia 2,67,909 1,23,883 735 3,92,527 13 Hingoli 2,21,457 4,543 0 2,26,000 14 Jalgaon 3,90,614 2,30,684 289 6,21,587 15 Jalna 2,05,705 61,947 724 2,68,376 16 Kolhapur 3,94,073 2,37,514 10,444 6,42,031 17 Latur 3,03,853 1,41,496 268 4,45,617 18 Mumbai 47,566 5,95,120 28,561 6,71,247 19 Mumbai Suburban 60,729 8,08,017 0 8,68,746 20 Nagpur 4,37,907 4,39,533 263 8,77,703 21 Nanded 4,45,221 1,77,134 80 6,22,435 22 Nandurbar 2,25,536 39,316 10 2,64,862 23 Nashik 5,72,149 3,55,281 2,950 9,30,380 24 Parbhani 2,39,349 69,964 335 3,09,648 25 Pune 6,00,780 17,21,366 4,031 23,26,177 26 Raigad 3,16,730 1,02,606 1,629 4,20,965 27 Ratnagiri 2,48,552 13,086 695 2,62,333 28 Sangli 2,37,149 78,286 19,377 3,34,812 29 Satara 3,42,228 61,704 1 4,03,933 30 Sindhudurg 1,30,775 4,825 5,262 1,40,862 31 Solapur 4,95,529 2,37,496 3,013 7,36,038 32 Thane 1,88,778 6,83,582 267 8,72,627 33 Wardha 1,98,756 1,01,368 7 3,00,131 34 Washim 1,31,619 5,884 1 1,37,504 35 Yavatmal 3,03,590 1,21,030 247 4,24,867 36 Palghar 2,17,332 1,31,392 0 3,48,724 District Total 1,04,10,377 78,35,654 1,04,998 1,83,51,029 Others** 0 0 2,64,373 2,64,373 State Total 1,04,10,377 78,35,654 3,69,371 1,86,15,402 Source: Banks for Universal Schemes and Insurance Companies for Converged Schemes. Note:* Demographic distribution is not available for Converged Schemes/ RCB. ** Others includes enrolments of RCB/ UCB/ Converged Schemes for which district wise & demographic distribution are not available.

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