स्वतंत्र पोर्टल 🇮🇳 केंद्र, बिहार और यूपी सरकारी योजनाओं की जानकारी के लिए सार्वजनिक उपयोगिता

प्रधानमंत्री जीवन ज्योति बीमा योजना (PMJJBY)

केंद्रीय योजना (अखिल भारतीय) वित्त आवेदन मोड: MIXED सक्रिय
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सत्यापित योजना डेटा प्रोफ़ाइल

यह प्रोफ़ाइल स्वतंत्र रूप से आधिकारिक राजपत्र अधिसूचनाओं और सत्यापित वेब डोमेन से संकलित की गई है। स्रोत प्राधिकरण लिंक: www.pmjjby.gov.in प्राधिकरण: Ministry of Finance • राज्य/क्षेत्र: Central Scheme (All India) • अंतिम बार ऑडिट किया गया: 30 Jul 2026

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A renewable one‑year term life insurance scheme that provides a death cover of Rs. 2 lakh to eligible bank account holders.

विस्तृत सारांश

Scheme Overview

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a centrally administered life‑insurance product launched by the Government of India. The scheme offers a fixed sum assured of Rs. 2 lakh in the event of the insured’s death due to any cause during the policy year. The cover is renewable annually provided the subscriber continues to meet the eligibility criteria and the premium is paid.

Premium and Payment

The annual premium is Rs. 436, which is auto‑debited from the subscriber’s savings bank account on or before 31 January each year. No medical examination is required.

Renewal and Claim Settlement

Renewal is automatic if the premium is successfully debited. In the event of death, the claim amount is transferred directly to the nominee’s bank account within 30 days of receipt of required documents.

प्रमुख लाभ और वित्तीय सहायता

तुलना मानदंड लाभ
प्रमुख लाभ
  • Death benefit of Rs. 2 lakh payable to the nominee
  • Low annual premium of Rs. 436
  • No medical underwriting required
  • Automatic renewal upon successful premium debit
  • Direct claim settlement to the nominee’s bank account

पात्रता मानदंड प्रोफ़ाइल

तुलना मानदंड पात्रता
Minimum Age Limit 18 Years or above
Maximum Age Limit 50 Years or below
Domicile State All India (Central Scheme)

आवेदन प्रक्रिया मार्गदर्शिका

  1. Submit the consent form at the branch of the bank where the savings account is held or complete the online enrolment through the bank’s net‑banking portal.
  2. Ensure the bank has your correct mobile number and email for OTP verification.
  3. The premium of Rs. 436 will be auto‑debited on or before 31 January each year.
  4. Upon successful debit, you will receive an SMS confirmation and the policy becomes active for the year.

इस योजना के बारे में अक्सर पूछे जाने वाले प्रश्न

The scheme provides a death benefit of Rs. 2 lakh to the nominee.

Yes, the cover is renewable annually as long as the premium is auto‑debited and the subscriber continues to meet the eligibility criteria.

No medical test or underwriting is required; eligibility is based solely on age, residency, and possession of a savings bank account with auto‑debit consent.