⚠️ Independent Information Only
This page is written by an independent website. It is not affiliated with the Government of India. Always apply through the official government website linked below.
Simple Overview
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is a life insurance scheme for Indians aged 18–50. It pays ₹2 lakh to the nominee (family member) if the policyholder dies for any reason — accident, illness, or natural death. The annual premium of just ₹436 is automatically deducted from your savings bank account. No medical examination required.
Who Can Apply?
- Indian citizens aged 18 to 50 years
- Must have a savings bank account
- Must provide consent for annual auto-debit of ₹436
Income Limits
No income limit. Available to all income groups.
Required Documents
- Savings bank account (any participating bank)
- Aadhaar Card
- Declaration of good health (self-declaration at enrolment)
- Nominee name and relationship
Step-by-Step Application Process
- 1Visit your bank or banking app
Go to your bank branch and ask to enrol in PMJJBY. Most banks also offer enrolment through mobile banking or internet banking.
- 2Fill the enrolment/consent form
Provide nominee details and consent to annual auto-debit of ₹436 from your savings account.
- 3Auto-debit is set up
₹436 will be deducted from your account every year around 31 May. Ensure your account has sufficient balance on that date.
- 4Keep your policy confirmation safe
Share the policy details and nominee information with your family so they can claim if needed.
Benefits of the Scheme
- ₹2 lakh life cover for all causes of death — accident, illness, or natural
- Extremely affordable at ₹436 per year
- Easy to join — visit your bank just once
- Automatic annual renewal through auto-debit
Common Mistakes to Avoid
- Not maintaining ₹436 balance on the renewal date (around 31 May) — policy lapses and you lose cover
- Not informing the nominee about the policy — family may not know to claim after death
- Enrolling in multiple bank accounts — PMJJBY should be linked to only one bank account per person
Frequently Asked Questions
Visit the official government website to start your application. It is free and takes only a few minutes to begin.
🌐 Apply on Official Website