An Examination of Post-Jan Dhan Yojana Initiatives for Empowering the Marginalized

Dr. Renu Sharma and Purnima Tripathi
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Dr. Renu Sharma: Assistant Professor, Department of Business Administration, Mohanlal Sukhadia University, Udaipur, Rajasthan, India
Purnima Tripathi: Project Research Fellow, Department of Business Administration, Mohanlal Sukhadia University, Udaipur, Rajasthan, India

International Journal of Research and Innovation in Social Science, 2025, vol. 9, issue 1, 4498-4506

Abstract: This study examines post-Jan Dhan Yojana initiatives, specifically the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY), to assess their effectiveness in empowering marginalized communities. By comparing nominal and real values, the study examines how inflation affects insurance benefits. Nominal benefits show steady growth, but inflation-adjusted real payouts show sharp swings, indicating a decline in the schemes’ true worth. According to key findings, A state-wise analysis reveals significant disparities in enrollment and benefits distribution, highlighting the need for targeted interventions in these regions. This study emphasizes how crucial it is to adapt social security programs in response to changing economic conditions to achieve true financial empowerment.

Date: 2025
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