India’s Social Security Coverage Jumps to 64.3%

12 Jun 2025

India’s Social Security Coverage Jumps to 64.3%

India has made remarkable progress in expanding social security coverage, rising from 19% in 2015 to 64.3% in 2025, according to the International Labour Organisation (ILO).  

Key Highlights of the Report

Social Security

  • India’s social protection coverage has grown at an unprecedented pace, marking the fastest expansion globally.  
  • Over 94 crore (940 million) Indians now have access to at least one social security benefit.  
  • India ranks second in the world in terms of the number of beneficiaries.  

Causes for the boost in Social Security in India

  • Government Schemes Expansion: Major schemes like PM-KISAN, PM-SYM, PMJJBY, PMSBY, Atal Pension Yojana, and eShram brought unorganised and informal workers under coverage.
  • Formalisation of Economy: GST implementation, digital payments, and labour reforms encouraged formal employment.
    • Formal jobs typically come with social security benefits like PF, ESIC, etc.
  • Digital Infrastructure: Platforms like Aadhaar, Jan Dhan Yojana, UMANG, and eShram Portal enabled identification, registration, and delivery of benefits to crores of people.
  • Policy Push & Labour Codes: Four new labour codes consolidate 29 laws and mandate social security even for gig/platform workers and unorganised sectors.

What is Social Security?

  • Social Security refers to government programs that provide financial support to individuals and families in times of need. 
  • Protection Against Life Risks: It offers protection during unemployment, old age, disability, illness, or loss of a breadwinner.
  • Government-Funded or Mandated: Funded by the state, employers, or workers, it ensures a safety net for all.
  • Examples include pensions, health insurance, maternity benefits, and unemployment aid.
  • Promotes Inclusive Growth: It reduces poverty and inequality by ensuring basic income security for vulnerable groups.

Key Social Security Programmes and Initiatives

  • Atal Pension Yojana (APY): For unorganised sector workers; government co-contribution for eligible subscribers.
  • Ayushman Bharat – PM Jan Arogya Yojana (PM-JAY): ₹5 lakh health insurance per family per year for the poor and elderly.
  • Employees’ State Insurance (ESI) Scheme: Health and maternity benefits for workers in the formal sector.
  • Janani Suraksha Yojana (JSY): Promotes institutional delivery for poor pregnant women.
  • Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY): Life insurance of ₹2 lakh.
  • Pradhan Mantri Suraksha Bima Yojana (PMSBY): Accidental insurance of ₹2 lakh.
  • Pradhan Mantri Jan Dhan Yojana (PMJDY): Zero-balance bank accounts with accidental insurance and pension linkages.
  • Unorganised Workers’ Social Security Act, 2008: Framework for social security for informal workers.
  • e-Shram Portal: National database for unorganised workers to ensure targeted delivery of benefits.
  • PM Shram Yogi Maandhan Yojana: Voluntary pension scheme for unorganised workers.

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UDAAN PRELIMS WALLAH
Comprehensive coverage with a concise format
Integration of PYQ within the booklet
Designed as per recent trends of Prelims questions
हिंदी में भी उपलब्ध
Quick Revise Now !
UDAAN PRELIMS WALLAH
Comprehensive coverage with a concise format
Integration of PYQ within the booklet
Designed as per recent trends of Prelims questions
हिंदी में भी उपलब्ध

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