Three Jan Suraksha Schemes - Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APY) complete 11 years of providing social security cover

• Jan Suraksha = trio of flagship social security schemes launched 9 May 2015 by PM Modi at Kolkata to deliver low-cost life insurance (PMJJBY), accident insurance (PMSBY) and guaranteed pension (APY) to the unorganised/underserved population.
• Administered by the Ministry of Finance, Department of Financial Services (DFS); APY regulated by PFRDA, the bima schemes operated through LIC / public & private insurers and bank/post-office accounts.
• UPSC relevance: core to financial inclusion (PMJDY–Mudra–Jan Suraksha triad), social security architecture, GS-II/III welfare schemes.