stdClass Object ( [id] => 8115 [paper_index] => EW201801-01-002289 [title] => A CONCEPTUAL STUDY ON PMSBY, PMJJBY AND APY SCHEMES IN REACHING FINANCIAL INCLUSION IN INDIA [description] =>
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[author] => Seema Joseph [googlescholar] => https://scholar.google.co.in/citations?user=KeqZGcIAAAAJ&hl=en [doi] => [year] => 2018 [month] => January [volume] => 6 [issue] => 1 [file] => eprapub/EW201801-01-002289.pdf [abstract] =>

A large proportion of India’s ever increasing population was without insurance of any kind - health, accidental or life. Seemingly, we proceed towards a pension less population in the near future. Encouraged by the success of the Pradhan Mantri Jan Dhan Yojana (PMJDY), the Government of India proposed to work towards creating a universal social security system for all Indians that will ensure that no Indian citizen will have to worry about illness, accidents or penury in old age.”  Government announced insurance schemes Pradhan Mantri Suraksha Bima Yojana (for Accidental Death and Disability), Pradhan Mantri Jeevan Jyoti Bima Yojana  (for life insurance) and Atal Pension Yojna (for pension). These schemes were launched by the Prime minister on 9 May 2015.The government plans to use technology to the extent possible to reach out to the beneficiaries, thereby plugging leakages in the system. This article gives the highlights of these schemes and also focuses on how best these schemes have reached to the Indians. The study also focused on a comparative analysis of the rural and urban wise enrolment and bank-wise gross enrolment.

KEY WORDS: Pradhan Mantri Suraksha Bima Yojana, Pradhan Mantri Jeevan Jyoti Bima Yojana , and Atal Pension Yojna, Government, Indians.

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