Recently, the Jan Suraksha Yojana have completed 10 years of glorious working and operations in the nation of India, for the people of India. Three major schemes come under the Jan Suraksha Schemes or Jan Dhan Jan Suraksha. i.e., the PM Jeevan Jyoti Bima Yojana (PMJJBY), PM Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY). All the schemes might differ in name and basic function, but they all have one unified goal, and that is to improve the quality of life of people from all social and economic backgrounds.
Read the article to learn more about the operations of the schemes under the PM Jan Suraksha Yojana and their achievements up till now.
Overview
| Scheme Name | Eligibility | Annual Premium | Key Benefit | Enrollment (as of April 2025) |
|---|
| PM Jeevan Jyoti Bima Yojana (PMJJBY) | 18–50 years | ₹436 | ₹2 lakh life cover | 10.66 crore women enrolled |
| PM Suraksha Bima Yojana (PMSBY) | 18–70 years | ₹20 | ₹2 lakh for death, ₹1 lakh for disability | 51 crore (23.87 crore women) |
| Atal Pension Yojana (APY) | Above 18 (pension at 60+) | Based on the pension amount | ₹1,000–₹5,000 monthly pension | 7.66 crore individuals |
These schemes are accessible via the Jan Suraksha Portal, where users can easily complete the Jansuraksha portal login or the Jan Suraksha Yojana apply online steps.
What Are The Jan Suraksha Schemes?
The Jan Suraksha Yojana benefits comprise three major schemes. i.e., the PM Jeevan Jyoti Bima Yojana (PMJJBY), PM Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY). All of them are briefly explained below for one’s reference.
1. PM Jeevan Jyoti Bima Yojana (PMJJBY)
The PM Jeevan Jyoti Bima Yojana was launched in 2015. The scheme aims to provide life insurance cover to people between the ages of 18-50 years, at an annual premium rate of Rs. 436. Under the scheme, if any policyholder dies for whatever reason, their families are given Rs. 2 lakh. According to a report of April 2025, around 10.66 crore females are enrolled in the scheme, out of which 7.08 crore are registered in the PM Jan Dhan Yojana (PMJDY).
2. PM Suraksha Bima Yojana (PMSBY)
The PM Suraksha Bima Yojana (PMSBY) is oriented towards providing coverage for such unfortunate accidents resulting in death or disability and focuses on cost-effective operation. It is specifically for people between the ages of 18-70 years at an annual premium rate of Rs. 20. Under the scheme, Rs. 2 lakh is allotted for accidental death and Rs. 1 lakh for partial disability. As of April 2025, around 51 crore people have been made, out of which 23.87 crore are women and 17.12 crore are registered in the PM Jan Dhan Yojana (PMJDY).
3. Atal Pension Yojana (APY)
The last scheme under the Jan Suraksha Schemes is the Atal Pension Yojana (APY), which aims to provide pensions to people above the age of 60 years. The amount of the pensions ranges from Rs. 1000 to Rs. 5000. As of April 2025, around 7.66 crore individuals have enrolled under the scheme.
Impact Of The Jan Suraksha Schemes
The Finance Minister of India, Smt Nirmala Sitharaman, expressed that the Pradhan Mantri Jan Suraksha Yojanas were designed with one vision, and that was to ‘secure the unsecured’, and all the schemes covered under the Jan Dhan se Jan Suraksha have proven themselves to be exceptional and in alignment with the vision.
She also highlighted that over Rs. 18,397 crore has been invested for more than 9.19 lakh people under the PMJJBY scheme. On the other hand, the PMSBY scheme has paid around Rs. 3,121 crore to 1.57 lakh people. Digitisation has also played a key role in the success and improved working of the schemes for the people of India.
Conclusion
As the Jan Suraksha Yojana mark its 10th anniversary, let’s celebrate the combined efforts of the government and people in achieving this anniversary. It is not an occasion but a symbol of hard work put in by both the Indian government and the citizens of India.
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