Suraksha Chakra
Wings of Protection
Building Safer, Stronger and More Inclusive Communities
Suraksha Chakra is a pan-India social initiative that empowers students to become responsible citizens through meaningful community engagement and experiential learning. By immersing themselves in rural India, students identify real-world challenges, understand the needs of underserved communities, and develop sustainable solutions by applying their classroom knowledge to the realities of everyday life.
The project focuses on communities identified through careful assessment of safety, learning opportunities, and socio-economic challenges, including poverty, the presence of tribal populations, and human–wildlife conflict. These experiences cultivate empathy, strengthen social awareness, and enable students to contribute towards building social intellectual capital for the nation's development.
Aligned with the United Nations Sustainable Development Goals SDG 3: Good Health and Well-being, SDG 10: Reduced Inequalities, and SDG 17: Partnerships for the Goals, Suraksha Chakra also supports the effective implementation of government welfare initiatives by bridging the gap between public schemes and the communities they are intended to serve. Through last-mile outreach and community partnerships, the project strives to make development more accessible, inclusive, and impactful.
On 16 August 2023, the District Collector of Kozhikode, has declared the Chakkittapara Gram Panchayat as 100% insured Gram Panchayat.
Insurance Coverage Programme
Advancing Insurance Literacy and Achieving Universal Coverage
One of the key innovations under Suraksha Chakra is its pan-India Insurance Coverage Programme, designed to bridge the gap between insurance awareness and actual insurance coverage. By focusing on both the last-mile journey of insurance literacy and the last-mile delivery of insurance protection, the initiative strives to ensure that eligible individuals are aware of and able to access essential financial security schemes.
The programme was piloted at Chakkittapara Gram Panchayat, Kerala, in collaboration with Chakkittapara Service Co-operative Bank and Chakkittapara Gram Panchayat. Through a comprehensive socio-economic survey, the initiative identified eligible residents who lacked insurance coverage and facilitated their enrolment under the Government of India's Pradhan Mantri Suraksha Bima Yojana (PMSBY).
This collaborative effort enabled Chakkittapara Gram Panchayat to achieve 100% insurance coverage among eligible residents under the programme, demonstrating how community engagement, institutional partnerships, and targeted outreach can strengthen financial security at the grassroots level.
Suvarna Rekha (Suraksha Chakra at Puthuppadi District), Kerala
Suvarna Rekha (Puduppadi Insurance project) is the Phase - 2 of Suraksha chakra project that was successfully implemented at Chakkittapara Gram Panchayat in Kerala. Suvarna Rekha was conceived to validate the successful model implemented at Chakkittapara and to test the learning outcomes in Phase -1 at Puduppadi, so that the rest of Kerala could be covered through the validated model to complete the insurance protection gap.
Wheels of Progress (Suraksha Chakra for Karnataka State)
Karnataka's Journey Towards 100% Insurance Coverage
Suvarna Karnataka Abhiyaan, the Karnataka initiative under Suraksha Chakra, was launched at Marasur Gram Panchayat, Anekal Taluk, on 10 August 2024, with the vision of extending insurance awareness and financial protection to every eligible household. A dedicated task force of 45 trained CHRIST University students and staff collaborated with Marasur Gram Panchayat officials to conduct a systematic, door-to-door digital and socio-economic survey. Through this grassroots initiative, eligible uninsured residents aged 18–70 were identified and supported in enrolling under the Government of India's Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY). Marking a significant milestone in community-based social protection, Marasur became Karnataka's first 100% insured Gram Panchayat on 5 March 2025. The achievement was formally recognised through an award presented by Latha Kumari, IAS, Chief Executive Officer of the Zilla Panchayat. Suvarna Karnataka Abhiyaan demonstrates how student-led community engagement, data-driven outreach, and institutional collaboration can help bridge gaps in insurance access and advance inclusive financial security at the grassroots level.
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सुनहरी शुभोदय (Suraksha Chakra for Jharkhand State)
Bridging the Insurance Gap in Rural India
Sunaharee Shubhoday is a collaborative initiative of CHRIST (Deemed to be University), Bengaluru, and Montfort Senior Secondary School, Konbir, Basia, Jharkhand, aimed at strengthening insurance awareness and expanding access to financial protection in rural communities. As part of the pan-India Suraksha Chakra initiative, the project envisions bridging the insurance gap across India's villages by promoting awareness and facilitating access to government-backed insurance schemes, particularly the Pradhan Mantri Suraksha Bima Yojana (PMSBY).
The initiative focuses on Konbir Panchayat in Basia Block, Gumla District, Jharkhand, where university students and local school students work together to assess insurance coverage gaps through a structured socio-economic survey. By collecting, digitising, and analysing community data responsibly, with due attention to data protection, the project seeks to identify eligible uninsured residents, strengthen awareness, and facilitate access to appropriate insurance coverage.
Beyond its community impact, Sunaharee Shubhoday provides students with meaningful opportunities to apply classroom learning to real-world challenges while developing empathy, social awareness, and a sense of civic responsibility. The initiative reflects CHRIST University's commitment to academic excellence through service and demonstrates the value of collaboration between educational institutions, local communities, and public stakeholders.
Institutional Partners
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Montfort Senior Secondary School, Konbir, Basia, Jharkhand
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National Insurance Academy (NIA), Pune.
Government Stakeholders Engaged
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Shri Karn Satyarthi, IAS — District Collector, Gumla.
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Ms. Supriya Bhagat — Block Development Officer (BDO), Basia.
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Shri Ahmad Belal Anwar — Divisional Forest Officer (DFO), Gumla.
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SKIBA - SUVARNA KARNATAKA INSURANCE BRUHAT ABHINAYA
The SKIBA Stakeholders’ Meeting, organised on 16 September 2025 by the Department of Professional Studies at CHRIST (Deemed to be University), brought together key stakeholders from the insurance, banking, regulatory, government, and academic sectors. Representatives from IRDAI, the National Insurance Academy (NIA), Pune, Reliance General Insurance, Canara Bank, the State Level Bankers’ Committee (SLBC), the Reserve Bank of India (RBI), Panchayat Development Officers, and university faculty and students came together to strengthen collaborative efforts towards the national vision of Insurance for All by 2033.
Drawing inspiration from the Marasur Gram Panchayat model, the meeting focused on replicating successful grassroots insurance initiatives across other districts. Discussions emphasised the importance of sustained stakeholder engagement, systematic outreach, and coordinated action to bridge insurance coverage gaps and improve access to government-backed insurance schemes.
Key Priorities of the Action Plan
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Sustained Stakeholder Engagement: Conduct regular follow-up meetings focused on identifying challenges, developing practical solutions, and reviewing progress.
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Digital and Paperless Surveys: Continue technology-enabled community surveys and track enrolments under the Pradhan Mantri Suraksha Bima Yojana (PMSBY) and Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY).
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Student and Volunteer Engagement: Define clear roles for students and volunteers, supported by nearby colleges and pre-university colleges (PUCs), to strengthen community outreach and connect academic learning with social responsibility.
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Standardised Training: Establish consistent training procedures for data collection, verification, and insurance registration to improve accuracy and efficiency.
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Institutional Partnerships: Strengthen collaboration among banks, insurance providers, government departments, and educational institutions, supported by designated district-level nodal officers.
The meeting reinforced the importance of collective responsibility in advancing insurance inclusion. By combining institutional expertise, student participation, and community-level action, SKIBA seeks to build a scalable and sustainable model that supports financial security and contributes to the national goal of Insurance for All by 2033.
