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All India · InsuranceAlso known as: PM Jeevan Jyoti Bima Yojana · PM Jeevan Jyoti Bima Scheme · Pradhan Mantri Jeevan Jyoti Bima Yojana · PMJJBY · ₹436 Life Insurance · पीएम जीवन ज्योति बीमा योजना
Cheap life insurance (₹436/year) that pays ₹2 lakh to the family if the policyholder passes away.
| Scheme | PM Jeevan Jyoti Bima Yojana (PMJJBY) |
|---|---|
| For | Insurance |
| Where | All India |
| Department | Ministry of Finance |
| How to apply | Online |
| Info checked | 2026-10-17 |
In short — check the official website for the full rules.
Apply online on the official government website (link below).
📞 The bank branch where your savings account is.
Steps reviewed October 2026 — processes can change, confirm on the official portal.
Age 18 to 50. Has a savings bank or post office account. Premium ₹436 a year, auto-debited.
₹2 lakh life insurance · Only ₹436/year premium
Aadhaar Card, Savings Bank Account, Mobile Number.
Apply online on the official website: https://financialservices.gov.in/pradhan-mantri-jeevan-jyoti-bima-yojana-pmjjby
Check your bank passbook / statement for the yearly premium debit (around the end of May) — that means your life cover is active. Cover runs from 1 June to 31 May and renews by auto-debit from your savings account. Your bank branch can confirm your enrolment and nominee.
To claim, the nominee submits the claim form with the death certificate and other required documents at the bank branch. Claim forms are on jansuraksha.gov.in and at the bank. No balance at renewal time means the cover lapsed — keep balance in May. The bank branch where your savings account is.
Answer a few simple questions on YojanaSahay — it tells you free of cost which schemes you qualify for, with the documents for each.
Official link last checked: 2026-10-17