Abstract: Ayushman Bharat- PradhanMantri Jan Arogya Yojana (AB-PMJAY) is a major healthcare initiative by the Government of India, designed to provide financial support for secondary and tertiary healthcare services to vulnerable populations. Launched in 2018, Ayushman Bharat is one of the world's largest health insurance schemes, aimed at making healthcare accessible and affordable for economically disadvantaged groups in India.

    This research paper looks at how the scheme has covered people, how funds have been allocated, the creation of Ayushman cards, and its impact on beneficiaries from 2018 to 2024. By analysing government spending, fund distribution across states and union territories (UTs), the number of Ayushman cards issued, and data from specific districts, this paper provides a detailed evaluation of the scheme's effectiveness. The study also focuses on how well funds have been utilised, the performance of different states, and differences in healthcare access between regions.

    The paper uses a combination of secondary data (from government sources) and primary data (from field surveys) to draw conclusions. The findings suggest that while Ayushman Bharat has made significant progress in improving healthcare access, there are still important areas for improvement. These include strengthening healthcare infrastructure, raising awareness about the scheme, and better allocation of resources to ensure the scheme reaches all those in need and functions at its full potential.

Keywords: Ayushman Bharat, AB-PMJAY, healthcare, fund utilisation, beneficiary coverage.