Sarkari Yojana

Pradhan Mantri Jeevan Jyoti Bima Yojana

Quick Summary: PMJJBY gives bank and post office account holders aged 18-50 a renewable one-year life insurance cover of ₹2 Lakh for a modest annual premium. It pays out regardless of the cause of death, making basic life protection accessible at low cost.

About Pradhan Mantri Jeevan Jyoti Bima Yojana

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a life insurance scheme that pays out on death from any cause, with the cover running for one year and renewing annually. Banks and post offices offer the policy, while life insurance companies handle its administration. Anyone aged 18 to 50 years who holds an account with a participating bank or post office is entitled to enrol.

Scheme Overview

Government Level

Central Government

Ministry

Ministry Of Finance

Implementing Agency

Banks

Eligible Entity

Individual

Launch / Open Date

09 May 2015

Scheme Details

Eligibility

Eligibility Requirements

To qualify for Pradhan Mantri Jeevan Jyoti Bima Yojana, applicants must satisfy the following conditions:

✅

Applicants must fall within the 18 to 50…

Applicants must fall within the 18 to 50 Years age bracket.

✅

Applicants must hold an individual account with a…

Applicants must hold an individual account with a bank or post office.

Applicants must meet all of the above conditions to be considered eligible for this scheme.
Benefits

Benefits Provided

Pradhan Mantri Jeevan Jyoti Bima Yojana provides the following benefits to eligible applicants:

💰

PMJJBY provides subscribers aged 18-50 years with a…

PMJJBY provides subscribers aged 18-50 years with a life cover of ₹ 2.00 Lakh for a one-year term.1. Death occurring from any cause is covered.

💰

The premium comes to ₹ 436/- per annum

per subscriber, auto-debited from the subscriber's bank/post office account.

Benefit amounts and conditions may vary by category — refer to the official scheme guidelines for exact figures applicable to your case.
Important Dates

2015-05-09

How to Apply

Offline Application

Applicants can apply for Pradhan Mantri Jeevan Jyoti Bima Yojana through the offline application process outlined below.

Offline

Application Portal: Open Application Portal ↗

1️⃣

Print out the "CONSENT-CUM-DECLARATION FORM" after downloading it…

Print out the "CONSENT-CUM-DECLARATION FORM" after downloading it from this link: https://www.jansuraksha.gov.in/Files/PMJJBY/English/ApplicationForm.pdf#zoom=250

2️⃣

Complete and sign the form, attach self-attested copies…

Complete and sign the form, attach self-attested copies of the required documents, and hand the case over to the authorised Bank / Post Office official, who will issue you the "ACKNOWLEDGEMENT SLIP CUM CERTIFICATE OF INSURANCE" in return.

Ensure all required documents are ready before starting the application process.

Online Application

Applicants can apply for Pradhan Mantri Jeevan Jyoti Bima Yojana through the online application process outlined below.

📋

Application Process

Cover under PMJJBY can also be obtained online through your bank's Net banking facility.

Ensure all required documents are ready before starting the application process.

Official Application & Website

Verify the latest eligibility, dates and instructions before applying.

Official Sources & References