Pradhan Mantri Jeevan Jyoti Bima Yojana: Securing Lives Nationwide

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) stands as a significant initiative launched by Prime Minister Narendra Modi in May 2015. This government-backed life insurance scheme aims to provide financial security to individuals and their families in the event of unfortunate demise. Let’s delve deeper into its benefits, eligibility criteria, and application process.

Benefits of Pradhan Mantri Jeevan Jyoti Bima Yojana

PMJJBY offers a one-year term life cover of Rs 2.00 Lakh to all subscribers aged between 18 to 50 years. One of the notable features of this scheme is its comprehensive coverage, which extends to death due to any reason. The premium payable is Rs 436 per annum per subscriber, ensuring affordability and accessibility.

Eligibility Criteria

To subscribe to PMJJBY, individuals must meet the following minimum eligibility requirements:

Criteria Details
Age Between 18 to 50 years
Bank/Post Office Account Must hold an individual account

All savings bank account holders aged 18 to 50 years in participating banks are eligible to join. However, individuals with multiple bank accounts are only permitted to enroll through one savings bank account.

Paying Premiums for PMJJBY

The premium for PMJJBY is conveniently deducted from the subscriber’s bank or post office account through the auto-debit facility. This seamless process ensures timely payments, eliminating the hassle of manual transactions.

Applying for PMJJBY

Subscribing to PMJJBY can be done through both online and offline modes:

  • Online Application: Utilize your bank’s Net banking facility to apply online, offering convenience and efficiency.
  • Offline Application: Follow these steps to apply offline:
  1. Download and print the “Consent-cum-declaration Form” available here.

By following these simple steps, individuals can secure their future and protect their loved ones through PMJJBY.


Pradhan Mantri Jeevan Jyoti Bima Yojana emerges as a beacon of hope, offering financial stability and security to millions of individuals across the nation. Its comprehensive coverage, affordable premiums, and hassle-free application process make it a preferred choice for those seeking life insurance. By ensuring maximum outreach and accessibility, PMJJBY continues to fulfill its objective of safeguarding lives and securing the future of every Indian citizen.


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