<h1>Universal social security expanded through new insurance and pension schemes, increasing coverage and consolidation under one roof.</h1> The Government is advancing universal social security by promoting three flagship schemes-PMSBY, PMJJBY and APY-to extend accidental, life and pension protections through banking channels and micro financial products, with significant early enrolments, operational metrics (card issuance, claim settlements, PRAN issuance and corpus accumulation) reported and plans to consolidate schemes across departments to improve coordination and broaden coverage.