शैक्षणिक सूचना: यह एक स्वतंत्र सूचना एवं शैक्षणिक पोर्टल है। हमारा Central सरकार, Ministry of Finance या किसी भी सरकारी संस्था से कोई संबंध नहीं है। सभी दिशा-निर्देश नागरिकों की जागरूकता हेतु हैं। आधिकारिक आवेदन के लिए नीचे दिए गए पोर्टल का उपयोग करें।

Centralसमाज कल्याणकेंद्रीय योजना

PM Jeevan Jyoti Bima Yojana (PMJJBY)

संचालित विभाग: Ministry of Finance (Department of Financial Services)

आधिकारिक पोर्टल पर जाएं आवेदन की स्थिति जांचें

योजना के बारे में जानकारी

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a government-backed annual renewable term life insurance scheme offering Rs. 2 Lakh coverage for a premium of just Rs. 436 per year, available to all savings bank account holders aged 18 से 50 वर्ष.

कल्याणकारी लाभ एवं सहायता

•Life insurance cover of Rs. 2 Lakh payable to the nominee in the event of the subscriber's death due to any cause (natural or accidental)
•Annual premium of only Rs. 436 — auto-debited from bank account, making it one of the cheapest term life insurance policies in India
•No medical examination required at the time of enrollment
•Insurance proceeds received by the nominee are generally exempt from Income Tax
•Policy is renewable वार्षिक with seamless auto-debit; no repeated paperwork required

पात्रता एवं मापदंड

स्थायी निवासभारतीय नागरिक होना अनिवार्य है

आयु सीमा18 से 50 वर्ष

पारिवारिक वार्षिक आयकोई आय सीमा लागू नहीं; open to all savings bank account holders

सामाजिक वर्ग / श्रेणीOpen to all categories

अतिरिक्त पात्रता शर्तें

Must hold an individual savings bank account or post office savings account
Must give consent for auto-debit of the annual premium from the linked bank account
Can join through only one bank or post office account
Aadhaar is the primary KYC document for the linked bank account

आवेदन हेतु आवश्यक दस्तावेज

आधार कार्ड (linked to the savings bank account)Savings बचत बैंक पासबुक or Post Office Account detailsConsent-cum-Declaration Form (available at bank branch or via net banking)Nominee details (name, relationship, Aadhaar of nominee)सक्रिय मोबाइल नंबर linked with bank account

सुझाव: आवेदन करने से पहले उल्लिखित सभी दस्तावेजों की स्पष्ट स्कैन कॉपी अपने पास तैयार रखें।

आवेदन कैसे करें (चरणबद्ध गाइड)

Navigate to the 'Social Security Schemes' or 'Jan Suraksha' section

Select 'PMJJBY' and provide consent for auto-debit of Rs. 436 वार्षिक

Enter nominee details and submit the enrollment form

Confirmation SMS will be sent to your registered सक्रिय मोबाइल नंबर

कौन आवेदन कर सकता है?

✓All भारतीय नागरिकs aged 18-50 who hold a savings bank account and want affordable life insurance
✓Low-income families seeking basic financial protection for their dependents
✓Individuals without any existing life insurance policy

कौन आवेदन नहीं कर सकता?

✗जो किसी अन्य सरकारी नौकरी या पेंशन का लाभ ले रहे हैं।
✗जो किसी अन्य सरकारी नौकरी या पेंशन का लाभ ले रहे हैं।
✗जो किसी अन्य सरकारी नौकरी या पेंशन का लाभ ले रहे हैं।

अक्सर पूछे जाने वाले सवाल (FAQs)

What is the premium for PMJJBY?

The annual premium is Rs. 436, which is auto-debited from your savings bank account. It is one of the most affordable life insurance policies available in India.

What is the coverage amount under PMJJBY?

The scheme provides a life insurance cover of Rs. 2 Lakh to the nominee in the event of the subscriber's death due to any cause — natural or accidental.

Is a medical examination required?

No. There is no medical examination required at the time of enrollment in PMJJBY.

What is the lien period?

For new subscribers, a 30-day lien period applies from the date of enrollment. No claim (except accidental death) is admissible for deaths occurring within these first 30 days.

Can I enroll in both PMJJBY and PMSBY?

Yes. PMJJBY covers life insurance (death due to any cause) while PMSBY covers accidental death and disability. Both can be taken together for comprehensive coverage.