UPSC Prelims Practice Questions — 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

Q1. With reference to the three Jan Suraksha schemes (PMJJBY, PMSBY and APY), consider the following statements: Which of the statements given above is/are NOT correct?

  1. The three schemes were launched by the Prime Minister on 9 May 2015 at Kolkata.
  2. The Pradhan Mantri Jeevan Jyoti Bima Yojana is administered by the Ministry of Labour and Employment.
  3. The Atal Pension Yojana is regulated by the Pension Fund Regulatory and Development Authority (PFRDA).
  4. The schemes were originally announced in the Union Budget 2015-16.
  • A. 1 and 3 only
  • B. 2 only
  • C. 2 and 4 only
  • D. 3 and 4 only

Q2. Which one of the following is the nodal regulatory authority for the administration of the Atal Pension Yojana (APY)?

  • A. Insurance Regulatory and Development Authority of India (IRDAI)
  • B. Reserve Bank of India (RBI)
  • C. Pension Fund Regulatory and Development Authority (PFRDA)
  • D. Securities and Exchange Board of India (SEBI)

Q3. The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is administered by which one of the following?

  • A. Insurance Regulatory and Development Authority of India (IRDAI)
  • B. Pension Fund Regulatory and Development Authority (PFRDA)
  • C. Department of Financial Services, Ministry of Finance
  • D. Life Insurance Corporation of India under the Ministry of Corporate Affairs

Q4. With reference to the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and the Pradhan Mantri Suraksha Bima Yojana (PMSBY), consider the following statements: 1. PMJJBY provides life cover for death due to any cause, whereas PMSBY covers only accidental death or disability. 2. The maximum entry age under PMJJBY is 50 years, whereas under PMSBY it is 70 years. 3. Unlike PMSBY, the life cover under PMJJBY can continue up to the age of 70 years on regular payment of premium. Which of the statements given above is/are correct?

  1. PMJJBY provides life cover for death due to any cause, whereas PMSBY covers only accidental death or disability.
  2. The maximum entry age under PMJJBY is 50 years, whereas under PMSBY it is 70 years.
  3. Unlike PMSBY, the life cover under PMJJBY can continue up to the age of 70 years on regular payment of premium.
  • A. 1 and 2 only
  • B. 2 and 3 only
  • C. 1 and 3 only
  • D. 1, 2 and 3

Q5. Which one of the following is the nodal department for the implementation of the Pradhan Mantri Suraksha Bima Yojana (PMSBY)?

  • A. Department of Financial Services, Ministry of Finance
  • B. Insurance Regulatory and Development Authority of India (IRDAI)
  • C. Pension Fund Regulatory and Development Authority (PFRDA)
  • D. Department of Posts, Ministry of Communications

Q6. What is the maximum entry age (in completed years) for an individual to enrol under the Pradhan Mantri Suraksha Bima Yojana (PMSBY)?

  • A. 50 years
  • B. 55 years
  • C. 65 years
  • D. 70 years

Q7. Which one of the following is the statutory regulator responsible for administering the Atal Pension Yojana (APY)?

  • A. Insurance Regulatory and Development Authority of India (IRDAI)
  • B. Employees' Provident Fund Organisation (EPFO)
  • C. Pension Fund Regulatory and Development Authority (PFRDA)
  • D. Reserve Bank of India (RBI)

Q8. How many fixed guaranteed monthly pension slabs are offered to a subscriber on attaining the age of 60 years under the Atal Pension Yojana (APY)?

  • A. Three
  • B. Four
  • C. Five
  • D. Six

Q9. The 'claims ratio' cited as the principal rationale for the 2022 revision of premium rates of PMJJBY and PMSBY refers to which one of the following?

  • A. The ratio of the value of claims paid out by the implementing insurers to the value of premiums collected from subscribers
  • B. The ratio of claims rejected by insurers to total claims received during a financial year
  • C. The ratio of claims settled within 30 days to total claims received under the schemes
  • D. The ratio of insured persons under the schemes to the total adult population of the country

Q10. As on 29 April 2026, approximately how many claims have been settled cumulatively under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) since its launch?

  • A. About 1.85 lakh claims
  • B. About 10.75 lakh claims
  • C. About 27.43 lakh claims
  • D. About 58.09 lakh claims

Q11. In the context of India's financial inclusion architecture often described as the 'JAM trinity', which one of the following constitutes its foundational 'Jan Dhan' pillar that provides the basic bank-account rail through which Jan Suraksha premiums are auto-debited?

  • A. Pradhan Mantri Jeevan Jyoti Bima Yojana
  • B. Pradhan Mantri Jan Dhan Yojana
  • C. Pradhan Mantri Mudra Yojana
  • D. Atal Pension Yojana

Q12. As per official data released by the Department of Financial Services around the eleventh anniversary of the scheme in August 2025, the cumulative number of accounts opened under the Pradhan Mantri Jan Dhan Yojana (PMJDY) — the principal delivery platform for the Jan Suraksha schemes — was closest to which one of the following?

  • A. About 36 crore
  • B. About 46 crore
  • C. About 56 crore
  • D. About 66 crore

Q13. Which one of the following is the nodal department of the Government of India responsible for the administration of the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Atal Pension Yojana (APY)?

  • A. Department of Economic Affairs, Ministry of Finance
  • B. Department of Financial Services, Ministry of Finance
  • C. Department of Social Justice and Empowerment, Ministry of Social Justice and Empowerment
  • D. Department of Revenue, Ministry of Finance

Q14. Under the regulatory and administrative authority of which one of the following bodies does the Atal Pension Yojana (APY) operate?

  • A. Insurance Regulatory and Development Authority of India (IRDAI)
  • B. Reserve Bank of India (RBI)
  • C. Pension Fund Regulatory and Development Authority (PFRDA)
  • D. Employees' Provident Fund Organisation (EPFO)
  • NRAA-Funded Wild Rice Conservation Project Secures Major Milestone in Assam
    NRAA-Funded Wild Rice Conservation Project Secures Major Milestone in Assam

    The notification of Borjuli site in Sonitpur, Assam as a Biodiversity Heritage Site under an NRAA-funded wild rice conservation project is a named, verifiable fact. Biodiversity Heritage Sites and wild crop genetic resource conservation are tested Prelims topics.

  • India Advances Global Green Hydrogen Leadership under National Green Hydrogen Mission

    Under the National Green Hydrogen Mission (NGHM), a landmark commercial deal for green ammonia and methanol export to Japan (IHI Corporation named) is a concrete outcome. India's green hydrogen ambitions and NGHM are recurring Prelims themes; this adds a factual export-deal hook.

  • NITI Aayog launches report on "Strategic Roadmap for Making Ayurveda Global"
    NITI Aayog launches report on "Strategic Roadmap for Making Ayurveda Global"

    A named NITI Aayog report on Ayurveda's global expansion is testable as a policy document. NITI Aayog reports, AYUSH sector initiatives, and traditional medicine diplomacy are recurring Prelims themes; the report's launch date and authoring body are clean factual hooks.

  • INDIAN NAVAL SHIP TRIKAND RESPONDS TO PIRACY ATTEMPT ON MV GOLDEN ARSENAL IN THE GULF OF ADEN

    A named Indian Navy anti-piracy operation with specific ship (INS Trikand — identified as a stealth frigate), vessel flag state (St. Vincent and the Grenadines), and location (Gulf of Aden) offers testable facts. India's maritime security operations are plausible Prelims hooks but appear occasionally, not frequently.

  • Union Minister Shri Shivraj Singh Chouhan launches nationwide ‘Viksit Bharat – G-Ram G Act’ from Andhra Pradesh with Chief Minister Shri Chandrababu Naidu and Deputy Chief Minister Shri Pawan Kalyan

    A newly named nationwide scheme launched by the Rural Development ministry that explicitly positions itself as moving 'beyond MGNREGA' is potentially testable. However, the excerpt lacks concrete numbers or statutory grounding, keeping it at 3 rather than 4.

  • MANAS: A Digital Shield Against Drugs

    MANAS is a named government digital initiative (national narcotics helpline) with a specific mandate under Nasha Mukt Bharat. Named government portals/helplines with specific functions are tested in Prelims, though this release is a backgrounder without new launch data.

  • VB-G RAM G Act comes into force across the country from today; “A historic day for rural India”: Shivraj Singh Chouhan

    The VB-G RAM G Act (likely a renamed/revised MGNREGA or rural employment guarantee framework) came into force across India from July 1, 2026. Key facts: national launch in Tirupati on July 2; revised wage rates notified with no daily wage below ₹300; national average wage increased by over 10%. A new central Act coming into force with specific wage figures is high-priority Prelims material.

  • India Achieves Major Milestone with Approval of Country’s First PinS Instrument Approach Procedure for Helicopter Operations

    DGCA approved India's first Private Point-in-Space (PinS) Instrument Approach Procedure for helicopter operations, implemented at Undavalli Heliport (developed by AAI). This is a named first in Indian aviation with a specific location and implementing body — classic Prelims material for science/tech and aviation sections.

  • 11 Years of Digital India: Better Healthcare & Digital Markets Making Lives Easier

    This release contains high-quality testable data: Greece is named as the 10th country to adopt UPI; every second real-time digital transaction globally is processed via India's UPI; 13 lakh Anganwadi workers connected via Poshan Tracker covering 9 crore beneficiaries. Multiple concrete facts that are prime Prelims material.

  • India, EU Advance Cooperation on Sustainable Ship Recycling; Three Indian Yards Ready for EU Recognition

    India has a 35.4% global market share in sustainable ship recycling. Three Indian ship-recycling yards are ready for EU recognition. India committed $8 billion to strengthen shipbuilding and recycling, with a target of recycling 16,000 ships. These are specific, verifiable figures in a sector where India leads globally — strong Prelims material on maritime/shipping sector.

  • GAGAN: Navigating India’s Skies with Precision

    Detailed backgrounder on GAGAN (GPS Aided GEO Augmented Navigation), India's Satellite-Based Augmentation System developed jointly by ISRO and Airports Authority of India (AAI). It enhances GPS accuracy for aviation, is certified to international standards, and supports satellite-based landing approaches. GAGAN is a recurring Prelims topic and this backgrounder consolidates key testable facts about its developers, purpose, and certification status.

    • The Hindu

    Latest PIB

    Latest from The Hindu

    Explore