Abstract
India is witnessing significant shifts in family structures due to urbanization, migration, economic
transformation, and cultural changes. Traditional joint families are giving way to nuclear and fragmented
households, resulting in heightened social risks such as income insecurity, health vulnerabilities, accidental
disability, and inadequate old-age support. The Pradhan Mantri Jan Suraksha Schemes (PMJS) including
the Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana
(PMJJBY), and Atal Pension Yojana (APY)—are designed to mitigate these risks by providing affordable
insurance and pension coverage, especially for economically vulnerable populations. This seminar paper
examines rural–urban family transitions, the social risks associated with these changes, and the role of Jan
Suraksha Schemes in promoting social protection. It also emphasizes the importance of awareness, financial
literacy, and education in ensuring effective utilization of these schemes. Keywords: Jan Suraksha Schemes,
Financial Literacy, Rural–Urban Family Dynamics and Social Risk in India.