Reports of public sector banks (PSBs) enrolling customers in Prime Minister Narendra Modi’s small insurance schemes without consent spark controversy. Bankers emphasize they cannot deduct premiums without authorization, despite monthly targets. The schemes—Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana—aim to provide social security to low-income individuals after 60. Officials clarify that coercion is not practiced, and customers can exit schemes. Finance Minister Sitharaman defends Atal Pension Yojana’s structure, highlighting its opt-out feature. Despite concerns, the government denies pressuring banks to meet scheme targets.