Jan Suraksha Schemes Complete 11 Years

Why in News?

Three flagship social security schemes completed 11 years on 9 May 2026.

Schemes

• Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
• Pradhan Mantri Suraksha Bima Yojana (PMSBY)
• Atal Pension Yojana (APY)

Launched:
9 May 2015, Kolkata

PMJJBY

• Life insurance scheme
• Premium: Less than ₹2/day
• Implemented by LIC
• Coverage: Death due to any reason

Enrolment (April 2026): 27.43 crore

PMSBY

• Accident insurance
• Premium: Less than ₹2/month
• Insurance Cover:
  • ₹2 lakh
• Implemented through banks and General Insurance Companies

Enrolment: 58.09 crore

APY

• Pension scheme for unorganised sector
• Managed by:
  • PFRDA
• Under:
  • National Pension System (NPS)

Enrolment: 9.04 crore

UPSC Importance

• Financial Inclusion
• Social Security
• Inclusive Growth