Previous Year Question
Match List-I with List-II and choose the correct answer using the codes given below the lists:
List-I (Social Security Programme) | List-II (Beneficiary's Contribution) |
A. Pradhan Mantri Shram Yogi Maan-Dhan Yojana | 1. Beneficiary's choice |
B. Pradhan Mantri Jeevan Jyoti Bima Yojana | 2. ₹55–₹200 per month |
C. Pradhan Mantri Suraksha Bima Yojana | 3. ₹436 per year |
D. Atal Pension Yojana | 4. ₹20 per year |
Codes:
A-2, B-3, C-4, D-1
A-2, B-4, C-1, D-3
A-1, B-2, C-3, D-4
A-3, B-2, C-1, D-4
Correct Answer: A
Detailed Solution
A. Pradhan Mantri Shram Yogi Maan-Dhan Yojana — ₹55 to ₹200 per month. PM-SYM is a voluntary and contributory pension scheme for workers in the unorganised sector. The monthly contribution of a beneficiary depends on the age at which he or she joins the scheme. A person entering at age 18 contributes ₹55 per month, while a person entering at age 40 contributes ₹200 per month. The Central Government makes an equal matching contribution. An assured pension of ₹3,000 per month is provided after attaining the age of 60 years.
B. Pradhan Mantri Jeevan Jyoti Bima Yojana — ₹436 per year. PMJJBY is a one-year renewable life insurance scheme. Its annual premium is ₹436, and it provides life cover of ₹2 lakh in case of death of the insured due to any cause.
C. Pradhan Mantri Suraksha Bima Yojana — ₹20 per year. PMSBY is an accident insurance scheme with an annual premium of ₹20. It provides ₹2 lakh for accidental death or specified total permanent disability and ₹1 lakh for specified partial permanent disability.
D. Atal Pension Yojana — Beneficiary's choice. Here, “choice” does not mean that the subscriber can contribute any arbitrary amount. The subscriber chooses a guaranteed monthly pension slab of ₹1,000, ₹2,000, ₹3,000, ₹4,000 or ₹5,000; the actual contribution is then determined by the joining age, chosen pension slab and contribution frequency.
Current Status (2026): The principal rates given in the question continue to remain relevant—PMJJBY carries an annual premium of ₹436, PMSBY ₹20, and the beneficiary contribution under PM-SYM continues to range from ₹55 to ₹200 per month. The Government has approved continuation of the Atal Pension Yojana up to 2030-31.