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    Question

    Consider the following Assertion (A) and Reason (R):

    Assertion (A): The completion of 10 years of Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), and Atal Pension Yojana (APY) marks a major step in expanding affordable social security for the poor and vulnerable. Reason (R): These schemes provide life insurance, accident insurance, and pension benefits respectively, with simple enrolment, low premiums, and digital facilitation through the Jan Suraksha Portal. Choose the correct option:
    A Both A and R are true, and R is the correct explanation of A. Correct Answer Incorrect Answer
    B Both A and R are true, but R is not the correct explanation of A. Correct Answer Incorrect Answer
    C A is true, but R is false. Correct Answer Incorrect Answer
    D A is false, but R is true. Correct Answer Incorrect Answer
    E Both A and R are false. Correct Answer Incorrect Answer

    Solution

    • Assertion (A): True. Since their launch on 9th May 2015, the three Jan Suraksha schemes have expanded affordable social security coverage to crores of underserved citizens, with enrolments crossing 23.6 crore (PMJJBY), 51 crore (PMSBY), and 7.6 crore (APY) as of April 2025. • Reason (R): True. The success lies in their affordable design: o PMJJBY: ₹2 lakh life cover at ₹436 per year. o PMSBY: ₹2 lakh accidental cover at ₹20 per year. o APY: Guaranteed monthly pension ₹1,000–₹5,000.  Digitalisation via the Jan Suraksha Portal has enabled simple enrolment and faster claim settlement, ensuring timely benefits. • Explanation Link: The schemes directly aim at “Securing the Unsecured”, which matches both the social objective (A) and the operational features (R). Thus, R correctly explains A.

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