SRINAGAR, July 30, 2025 : Chief Secretary Atal Dulloo chaired a high-level review meeting to assess the status of financial inclusion and beneficiary-oriented schemes across Jammu and Kashmir. He emphasized the urgent need for saturation of all financial inclusion schemes, expressing concern over low enrolment rates in some welfare programs.
He directed departments to scale up coverage in mission mode, ensuring that no eligible citizen is left out. Efficient and timely delivery of benefits, he said, is key to boosting public trust in government initiatives.
Dulloo also stressed the integration of Birth & Death Registries with the Medical Certification of Cause of Death (MCCD) system to streamline benefit disbursal processes such as insurance and pension settlements.
The meeting reviewed progress on several flagship schemes:
Pradhan Mantri Jan Dhan Yojana (PMJDY):
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46.75% of the 2024–25 target achieved (21.45 lakh cumulative accounts till March 31, 2025).
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Kathua leads with 92.74%, followed by Bandipora at 71.08%.
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Samba district has the highest penetration at 31%, followed by Reasi and Baramulla at 24%.
Pradhan Mantri Suraksha Bima Yojana (PMSBY):
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168% growth over five years, reaching 23.56 lakh cumulative enrolment.
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116.16% of 2024–25 target achieved.
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Jammu leads with 5.8 lakh beneficiaries.
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930 out of 1,123 claims settled, disbursing ₹18.39 Cr.
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J&K Bank reported 204% claim settlement vs premium collected.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY):
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9.66 lakh cumulative enrolments (till March 2025).
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94.89% of 2024–25 target achieved.
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Kishtwar and Kupwara surpassed 170% and 140% of targets.
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2,296 out of 2,996 claims settled, disbursing ₹45.90 Cr.
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J&K Bank led in processing claims.
Atal Pension Yojana (APY):
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148% rise in enrolment over five years, reaching 2.48 lakh.
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Kishtwar and Rajouri achieved over 64% of their targets in 2024–25.
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Samba and Jammu districts lead in enrolment vs population with 5.8% and 5.4%, respectively.
The Chief Secretary called for an intensified awareness campaign, targeting every household with accurate information to make financial inclusion universal in the UT.
“These schemes are crucial in securing the future of citizens, particularly in the unorganised sector,” he noted, reaffirming the government’s commitment to inclusive development.
