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CentralFinancial InclusionSocial Welfare

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

₹2 lakh life cover at just ₹436/year for adults with a bank account.

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) eligibility, benefits, and the application process are summarised below to help you decide whether this central government scheme from Ministry of Finance suits your needs. You are generally eligible if you are applicants aged 18–50 years. Key benefits include ₹2 lakh life cover on death (any cause), Low annual premium of ₹436, auto-debited from the bank account and open to all eligible bank-account holders aged 18–50. To apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), enrol at a bank branch or via the bank's net-banking / BC with auto-debit consent on a savings account. Coverage is for one year, renewable.

Open official source ↗Ministry of Finance

About the scheme

PMJJBY is a government-backed life insurance scheme offering ₹2 lakh cover for accidental and natural death, for people aged 18–50 who hold a savings bank account and enrol with auto-debit consent.

Launched: 2015

Benefits

  • ₹2 lakh life cover on death (any cause)
  • Low annual premium of ₹436, auto-debited from the bank account
  • Open to all eligible bank-account holders aged 18–50

How to apply

Enrol at a bank branch or via the bank's net-banking / BC with auto-debit consent on a savings account. Coverage is for one year, renewable.

Apply / read on official site ↗

FAQ — eligibility, benefits & apply

What is the eligibility for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)?

Eligibility for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) broadly covers applicants aged 18–50 years. It is a central government scheme administered by Ministry of Finance.

What are the benefits of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)?

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) provides the following benefits: ₹2 lakh life cover on death (any cause); Low annual premium of ₹436, auto-debited from the bank account; Open to all eligible bank-account holders aged 18–50.

How do I apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)?

To apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), enrol at a bank branch or via the bank's net-banking / BC with auto-debit consent on a savings account. Coverage is for one year, renewable. Submit your application only through the official source linked on this page.

What documents are required for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)?

Required documents vary by scheme and are listed on the official source. Commonly needed: Aadhaar, bank passbook, income or caste certificate, ration card, and (for farmer schemes) land records. Confirm the exact list on the official portal linked on this page.

How do I check my Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) application or status?

Status and applications are handled on the official government portal, not here. Open the official source linked on this page and use its tracking or beneficiary-search tool. SchemeKendra is informational and does not process applications.

Who is NOT eligible for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)?

Eligibility exclusions depend on the scheme's criteria (income, age, occupation, social category, state). Review the eligibility-at-a-glance panel and the official guidelines linked here to confirm whether you qualify.

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