Match List-I with List-II and choose the correct answer using the codes given below the lists : List-I (Social Security Programme) A. Pradhan Mantri Shram Yogi Maan-Dhan Yojana B. Pradhan Mantri Jeevan Jyoti Bima Yojana C. Pradhan Mantri Suraksha Bima Yojana D. Atal Pension Yojana List-II (Beneficiary's Contribution) 1. Beneficiary's choice 2. ₹ 55 – ₹ 200 per month 3. ₹ 436 per year 4. ₹ 20 per year Codes :
- (a)A-2, B-3, C-4, D-1
- (b)A-2, B-4, C-1, D-3
- (c)A-1, B-2, C-3, D-4
- (d)A-3, B-2, C-1, D-4
Correct — A, A-2, B-3, C-4, D-1. Each pairing follows from what kind of instrument the scheme is. (A) Pradhan Mantri Shram Yogi Maan-dhan is a contributory pension for unorganised-sector workers, so the worker pays every month, and the amount is graded by the age at which he joins — ₹55 a month for someone entering at 18, rising to ₹200 a month for someone entering at 40, with the Central Government putting in a matching amount and an assured pension of ₹3,000 a month after 60. That is List-II item 2. (B) Pradhan Mantri Jeevan Jyoti Bima Yojana is a one-year renewable term life cover of ₹2 lakh, and its premium is ₹436 a year, item 3. (C) Pradhan Mantri Suraksha Bima Yojana is the accident cover — ₹2 lakh for accidental death or total permanent disability and ₹1 lakh for partial disability — and it is the cheapest of the four at ₹20 a year, item 4. (D) Atal Pension Yojana is the only scheme in the list where no single figure can be printed, because the subscriber first chooses the pension he wants at 60, anywhere from ₹1,000 to ₹5,000 a month, and the contribution is then fixed by that choice together with his entry age. Hence 'beneficiary's choice', item 1. Two figures in this list are recent: the PMJJBY premium was raised from ₹330 to ₹436 and the PMSBY premium from ₹12 to ₹20 with effect from 1 June 2022, and the paper uses the revised figures — a candidate revising from a pre-2022 book would have looked for ₹330 and ₹12 and found neither.
- (b)A-2, B-4, C-1, D-3 — Gets PM-SYM right and then shuffles the remaining three. It gives Jeevan Jyoti the ₹20 that belongs to Suraksha Bima, hands Suraksha Bima the open-ended 'beneficiary's choice' that belongs to a pension scheme, and prices Atal Pension at a flat ₹436 a year. An insurance premium cannot be a matter of the beneficiary's choice when the sum assured is fixed by the scheme at ₹2 lakh, which is what rules this code out.
- (c)A-1, B-2, C-3, D-4 — The tidy 1-2-3-4 sequence that match-list questions always offer, and it is wrong at the very first pair. It gives Shram Yogi Maan-dhan 'beneficiary's choice' and then attaches the monthly ₹55-₹200 band to Jeevan Jyoti, which is an annual-premium insurance policy, not a monthly-contribution pension. Note the elimination this hands you: item 2 is the only monthly figure in List-II, and PM-SYM is the only monthly-contribution scheme in List-I, so any code that does not read A-2 can be struck out at sight.
- (d)A-3, B-2, C-1, D-4 — Prices the Shram Yogi pension at ₹436 a year — an annual insurance premium attached to a monthly pension contribution — and again puts the monthly ₹55-₹200 band against Jeevan Jyoti. It also makes Suraksha Bima a matter of the beneficiary's choice and Atal Pension a flat ₹20 a year, which would be less than the price of the accident cover for a guaranteed lifelong pension.
Three of these four schemes are the Jan Suraksha package announced together in the 2015-16 Budget and rolled out in May 2015, operative from 1 June 2015: Pradhan Mantri Jeevan Jyoti Bima Yojana for life cover, Pradhan Mantri Suraksha Bima Yojana for accident cover, and Atal Pension Yojana, regulated by the Pension Fund Regulatory and Development Authority, for an assured old-age pension. The fourth, Pradhan Mantri Shram Yogi Maan-dhan, was announced in the interim Union Budget of 2019-20 and rolled out in 2019 for unorganised-sector workers, and it is the one scheme here in which the government matches the worker's contribution rupee for rupee. Together they form the low-premium, bank-account-linked layer of India's social security architecture, sitting below the contributory EPFO and ESIC systems that cover the organised workforce.
Solve this by asking what each scheme is before recalling any number. A pension needs a stream of contributions, so it is priced per month or left to the subscriber's choice; a term insurance policy is priced per year; and between the two insurance covers, the accident cover is always the cheaper because accidental death is a much rarer event than death from any cause. That reasoning alone produces A-2 (monthly, age-graded), C-4 (₹20, the cheapest) and, by elimination, B-3 and D-1. The specific trap the setter has built in is the 2022 revision of the two insurance premiums. PMJJBY went from ₹330 to ₹436 a year and PMSBY from ₹12 to ₹20 a year with effect from 1 June 2022, the first revision since 2015, made because claims had run well ahead of premiums. Learn the current figures and keep the old ones as the discarded pair, because both sets circulate in coaching material.
- Pradhan Mantri Shram Yogi Maan-dhan — contributory pension for unorganised-sector workers; monthly contribution of ₹55 to ₹200 depending on entry age (18 to 40), matched equally by the Central Government, with an assured pension of ₹3,000 a month after the age of 60.
- Pradhan Mantri Jeevan Jyoti Bima Yojana — one-year renewable term life cover of ₹2 lakh for any cause of death; premium ₹436 a year, raised from ₹330 with effect from 1 June 2022.
- Pradhan Mantri Suraksha Bima Yojana — accident cover of ₹2 lakh for accidental death or total permanent disability and ₹1 lakh for partial permanent disability; premium ₹20 a year, raised from ₹12 with effect from 1 June 2022.
- Atal Pension Yojana — the subscriber chooses a guaranteed pension of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000 a month from the age of 60, and the contribution is set by that choice and the age of entry; hence the contribution is the beneficiary's choice. The scheme is administered under the Pension Fund Regulatory and Development Authority, and the same pension continues to the spouse after the subscriber's death.
- PMJJBY, PMSBY and APY were launched together in May 2015 as the Jan Suraksha package and became operative from 1 June 2015; PM-SYM followed in 2019, after being announced in the interim Budget of 2019-20.
Reading down the right-hand column gives A-2, B-3, C-4, D-1, which is option (a). The quick elimination: item 2 is the only monthly figure and PM-SYM the only monthly-contribution scheme, so the code must start A-2.
- Using the pre-2022 premiums. PMJJBY is ₹436 a year and PMSBY ₹20 a year with effect from 1 June 2022, not ₹330 and ₹12.
- Mixing up the two insurance covers. Jeevan Jyoti is life insurance for death from any cause; Suraksha Bima is accident insurance, and it is far cheaper for that reason.
- Treating Atal Pension Yojana as having a fixed contribution. The contribution follows from the pension slab the subscriber chooses and from his age at entry, which is why the list can only describe it as the beneficiary's choice.
UPPSC returns to this cluster almost every year, usually as a match list — scheme against launch year in 2021, scheme against contribution here. UPSC instead probes the design of one scheme at a time: the entry age, the matching contribution, whether the spouse gets the pension. Learn each scheme as a four-part card — who is eligible, what is paid, what is received, who regulates it — and both formats fall out.
Regarding ‘Atal Pension Yojana’, which of the following statements is/are correct? 1. It is a minimum guaranteed pension scheme mainly targeted at unorganized sector workers. 2. Only one member of a family can join the scheme. 3. Same amount of pension is guaranteed for the spouse for life after subscriber’s death. Select the correct answer using the code given below:
- (a) 1 only
- (b) 2 and 3 only
- (c) 1 and 3 only
- (d) 1, 2 and 3
Answer(c) 1 and 3 only
Item D of this list examined from the design side. Atal Pension Yojana is a minimum-guaranteed pension for unorganised workers and the same pension continues to the spouse — the guarantee is exactly what forces the contribution to depend on the subscriber's own choice of pension slab.
With reference to the Pradhan Mantri Shram Yogi Maan-dhan (PM-SYM) Yojana, consider the following statements : 1. The entry age group for enrolment in the scheme is 21 to 40 years. 2. Age specific contribution shall be made by the beneficiary. 3. Each subscriber under the scheme shall receive a minimum pension of ₹ 3,000 per month after attaining the age of 60 years. 4. Family pension is applicable to the spouse and unmarried daughters. Which of the statements given above is/are correct?
- (a) 1, 3 and 4
- (b) 2 and 3 only
- (c) 2 only
- (d) 1, 2 and 4
Answer(b) 2 and 3 only
Item A, tested by UPSC in the same examination year. It confirms the two facts this match list turns on — that the contribution under PM-SYM is age-specific, and that the assured pension is ₹3,000 a month after 60 — while correcting the common error that the entry age begins at 21 rather than 18.
Match List – I with List – II and select the correct answer using the codes given below the lists. List – I (Scheme) A. Aam Aadmi Bima Yojna B. P.M. Aatmanirbhar Swasthya Bharat Yojna C. Pradhan Mantri Jan Aarogya Yojna D. Pradhan Mantri Suraksha Bima Yojna List – II (Year of Launch) 1. 2021 2. 2016 3. 2007 4. 2018 Codes :
- (a) A-1, B-2, C-3, D-4
- (b) A-4, B-3, C-2, D-1
- (c) A-3, B-1, C-4, D-2
- (d) A-2, B-4, C-1, D-3
Answer(c) A-3, B-1, C-4, D-2
The same family of schemes in the same match-list format, three years earlier, with Pradhan Mantri Suraksha Bima Yojana appearing in both. There the second column was the year of launch, here it is the contribution — the two columns UPPSC alternates between when it examines social security.
- practice — not a real PYQ
With effect from 1 June 2022, the annual premium under the Pradhan Mantri Jeevan Jyoti Bima Yojana was revised to
- (a)₹ 330
- (b)₹ 436
- (c)₹ 20
- (d)₹ 12
Answer(b) ₹ 436 — the PMJJBY premium rose from ₹330 to ₹436 a year and the PMSBY premium from ₹12 to ₹20 a year on the same date, the first revision since the schemes began in 2015.
- practice — not a real PYQ
Under the Pradhan Mantri Shram Yogi Maan-dhan Yojana, a subscriber receives a minimum assured monthly pension of
- (a)₹ 1,000 after the age of 58
- (b)₹ 3,000 after the age of 60
- (c)₹ 5,000 after the age of 60
- (d)₹ 2,000 after the age of 65
Answer(b) ₹ 3,000 after the age of 60 — the worker contributes ₹55 to ₹200 a month according to his age at entry, and the Central Government contributes an equal amount.