International Journal of Research in Social Sciences Vol. 6 Issue 10, October 2016, ISSN: 2249-2496 Impact Factor: 6.278 Journal Homepage: http://www.ijmra.us , Email: editorijmie@gmail.com Double-Blind Peer Reviewed Refereed Open Access International Journal - Included in the International Serial Directories Indexed & Listed at: Ulrich's Periodicals Directory ©, U.S.A., Open J-Gage as well as in Cabell‟s Directories of Publishing Opportunities, U.S.A 130 International Journal of Research in Social Sciences http://www.ijmra.us , Email: editorijmie@gmail.com An Analysis and Critical Evaluation of Pradhan Mantri Jan Suraksha Yojna in India Dr.Rupinder Katoch  Abstract India remains grossly underserved in Insurance and Pension Sector. In order to create universal social security system for all Indians that will ensure that no Indian citizen will have to worry about illness, accidents or penury in old age, the Prime Minister Narendra Modi introduced three schemes which were mainly meant for poor and the under-privileged of the country.In this study an attempt has been made to study in detail three ambitious Social Security Schemes which belong to the Insurance and Pension Sectors, namely Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha BimaYojana (PMSBY)and Atal Pension Yojana (APY). A comparative analysis has been made of the three schemes which are in three different areas, life, Non life and pension .An effort has also been made to evaluate the response towards these policies by studying enrolment status under these schemes. Keywords:Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY);Pradhan Mantri Suraksha BimaYojana (PMSBY);Atal Pension Yojana (APY);Insurance Penetration;Insurance Density.  Principal,Sant Baba Bhag Singh post Graduate College,Village Khiala,District jalandhar