JAMMU, JANUARY 28: The districts of Jammu, Pulwama and Baramulla have emerged as top performers in various financial inclusion and social security schemes being implemented by the Jammu and Kashmir government, reflecting significant progress in expanding financial access and coverage.
The Chief Minister commended district administrations for their notable improvement in coverage and year-on-year progress during the financial year 2025–26.
Key schemes being implemented through banks include the Pradhan Mantri Jan Dhan Yojana (PMJDY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and the Atal Pension Yojana (APY), aimed at providing banking access, insurance cover and pension benefits to weaker and deprived sections.
Under PMJDY, zero-balance bank accounts with RuPay debit cards and overdraft facilities up to Rs 10,000 are opened for financially excluded households. During the first three quarters of 2025–26, 1,26,803 new accounts were opened, increasing the total number from 23,66,953 (March 31, 2025) to 24,93,756 (December 31, 2025). Jammu, Samba and Reasi emerged as the top-performing districts.
Under PMSBY, which offers accidental insurance cover of up to Rs 2 lakh at an annual premium of Rs 20, about 5,42,675 new beneficiaries were added in 2025–26, taking the total subscribers from 23,56,858 to 29,12,830. Pulwama led the enrolment, followed by Samba and Jammu.
The PMJJBY, providing life insurance cover of up to Rs 2 lakh at an annual premium of Rs 436, recorded 2,20,660 additional subscribers, raising the total from 9,66,887 to 11,87,547. Baramulla ranked first, followed by Jammu and Ganderbal.
Under the Atal Pension Yojana, which provides assured monthly pension after the age of 60, about 40,582 new subscribers were enrolled, increasing total subscribers from 2,48,020 to 2,88,602. Jammu topped the list, followed by Samba and Pulwama.
The Digital Life Certificate (Jeevan Praman) campaign also witnessed major progress, with digital submissions increasing from 4,000 to 1,11,511 during 2025–26. Out of 2.49 lakh pensioners, 2.37 lakh completed life certification, with nearly 49 per cent opting for digital mode. Rajouri led the campaign, followed by Kulgam and Udhampur.
The Chief Minister appreciated the efforts of Deputy Commissioners and banking institutions, noting that effective field-level coordination ensured seamless and transparent delivery of social security benefits. The top three performing districts under each scheme were awarded certificates of appreciation.
