Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
₹2 lakh life insurance for ₹436 a year, through your bank or post office account.
Apply Directly on the Official Portal
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Scheme Overview
Pradhan Mantri Jeevan Jyoti Bima Yojana is a one-year renewable term life insurance scheme of the Government of India. For a premium of ₹436 a year, auto-debited from your savings account, it pays ₹2 lakh to your nominee if you die from any cause. It is open to account holders aged 18 to 50, and the cover can continue up to age 55. The policy year runs from 1 June to 31 May. PMJJBY completed 11 years in May 2026 as one of the government's Jan Suraksha schemes.
Target Beneficiaries
Bank and post office savings account holders aged 18 to 50
Assistance / Benefit Type
Life Insurance Cover
Key Benefits & Financial Assistance
- ₹2 lakh paid to the nominee on the death of the insured person from any cause.
- Premium of only ₹436 a year, auto-debited once a year from your account.
- No medical check-up needed to join (only a self-declaration of good health).
- Cover can be renewed every year until age 55.
Eligibility Criteria
Ensure you satisfy all the following government conditions before applying:
- 1Aged 18 to 50 years at the time of joining.
- 2Must have a savings account in a bank or post office, with consent for auto-debit.
- 3Aadhaar is the main KYC for the account.
- 4One person can be covered only once, even with several bank accounts.
Documents Required Checklist
Keep clear digital scanned copies (PDF or JPG under 200 KB) ready:
How to Apply (Official Process)
Get the Form or Use Net Banking
Download the PMJJBY form from jansuraksha.gov.in, take it from your bank branch, or enrol through net banking, mobile banking or SMS where your bank offers it.
Fill in Nominee and Health Declaration
Fill in nominee details and the self-declaration of good health, and give consent for auto-debit.
Submit and Keep the Acknowledgment
Submit the form and keep the acknowledgment slip, which also serves as your certificate of insurance.
Keep Balance Before 31 May
Keep at least ₹436 in your account before 31 May every year so the renewal premium can be debited.
Frequently Asked Questions about PMJJBY
Can I join PMJJBY at 52?
No. You must join between 18 and 50. Those who joined earlier can continue the cover up to age 55.
How does my nominee claim the money?
The nominee submits the claim form, death certificate and the policy holder's details at the bank branch where the account was held. The claim is settled into the nominee's account.
Can I take both PMJJBY and PMSBY?
Yes. PMJJBY covers death from any cause and PMSBY covers accidental death and disability; together they cost ₹456 a year.
Scheme Factsheet
Central Government Scheme
All India
Financial Inclusion & Insurance
₹2.0 Lakh
Policy year: 1 June to 31 May. You can join any time; the premium for the first year is charged pro-rata in some months. A 30-day lien period applies for new joiners (except accidental death).
Verified Government Sources
1800-180-1111 / 1800-110-001 (toll-free)
Never pay money to agents promising guaranteed approval for PMJJBY. Government welfare registrations are strictly handled through official channels.
Related Welfare Schemes
Other government initiatives you might be eligible for:
Sukanya Samriddhi Yojana (SSY)
High-yield government small savings scheme for girl child with 8.2% p.a. tax-free interest under Beti Bachao Beti Padhao.
Atal Pension Yojana (APY)
Government-guaranteed lifelong monthly pension of ₹1,000 to ₹5,000 for workers in the unorganized sector.
Pradhan Mantri Suraksha Bima Yojana (PMSBY)
₹2 lakh accident insurance for just ₹20 a year.