Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY) Apply Online, Benefits, Eligibility, Form, Certificate

Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY): The prime minister of India launched the Pradhan Mantri Jeevan Jyoti Bima Yojana or the PMJJBY in 2015. Firstly, It was presented in the Budget for 2015 by the budget committee in the Parliament.

This is one of the most effective schemes launched by the government of India as this scheme provides assured health insurance for accidental death coverage.

The scheme aims to provide a primary and general life insurance policy at the Ground level of the society.

In this PMJJBY case of the person’s sudden death, the government provides an accidental coverage of 2 lakh rupees to his/her family.

This PMJJBY needs to be renewed every year as its validity is Only for one year once restored.

The policy-holder needs to pay a nominal amount of 330 INR, which means even less than 1 rupee a day.

In case of any accidental demise of the policyholder, the nominees will get an Amount of 2 lakh INR.

This scheme launched by the Prime Minister of India is mainly an affordable and purely insurance policy, where no investment component by the policyholder is involved.

In the beginning, the policy was offered by the Life Insurance Corporation of India or the LIC India; later on, many other insurance companies came forward and offered the same with some tweaks and twitches.

This policy or scheme is run and managed with the help of collaboration with many banks across the country.

Schemes NamePradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY)
Minimum Age To Apply18 Years
Maximum Age Limit50 Years
Minimum Premium To PayRs. 330/- per year
Toll-Free Number1800 209 8700
Email[email protected]
Payment ModeAuto Debited From Bank Account
Risk CoverageRs. 2 Lakh
Official Websitefinancialservices.gov.in

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Benefits

  • There are various benefits of this PMJJBY some of the benefits are listed below –
  • This scheme provides a life insurance claim of Rs.2 Lakh to the nominees of the insurance policy in case of sudden demise / accidental demise of the policyholder
  • This is one of the most affordable and cheapest life insurance policy, which can. Be claimed by anyone.
  • The policy-holder needs to pay just Rs.330 per annum for this policy, .which is even less than Rs 1 a day. Although there are no such Benefits as Maturity or surrender of the Policy. 
  • The premium paid by the policyholder is free from tax as a deduction under section 80C of the Income-tax Act India.
pradhan mantri jeevan jyoti bima yojana vs pradhan mantri suraksha bima yojana

Eligibility of the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

If you want to join Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) then below are some points which you should follow.

  • Any person who is better in the age group 18-50 years can avail of this Policy, and he must need to have a savings bank account.
  • His Aadhar Card must be linked with the Bank Account.
  • His mobile number must be linked with both the Aadhar card and Bank Account.
  • Anyone having more than one Bank accounts can also avail of this policy.
  • In joint accounts, all the members related to the joint statement are eligible for this Yojana./policy.

Documents Required For Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY)

To avail of this PMJJBY insurance policy, the policyholder needs the following documents with him-

  1. Bank Account details
  2. Bank Account Passbook
  3. Aadhar Card
  4. Passport size photograph
  5. Address proof

Check More Schemes

How To Apply For The Pradhan Mantri Jeevan Jyoti Bima Yojana – Offline

To apply for this Pradhan Mantri Jeevan Jyoti Bima Yojana PMJJBY the applicant must have to follow the steps given below-

Step 1- the applicant needs to go to the nearest bank where the applicant has his/ her bank account (the bank must be registered under RBI).

Step 2- the applicant needs to ask for the PMJJBY insurance in the Bank to the concerned person.

Step 3- then the applicant is provided with a form in which the applicant needs to fill the consent for the taking up of the Policy and Linking it with the Bank Account.

Step 4- attach all the necessary identify proofs.

Step 5- Then the applicant needs to pay the premium of Rs.330 for one year.

Step 6- Collect the receipt from the Bank and the certificate of the Policy.

How To Apply For The Pradhan Mantri Jeevan Jyoti Bima Yojana – Online

The Applicant can apply for this PMJJBY insurance policy online also via their bank websites. for example here Bank of Baroda the applicant needs to follow the given steps –

Step 1- Open the official website of the bank and search for the Pradhan Mantri Jeevan Jyoti Bima Yojana or PMJJBY. Here for example Bank of Baroda. (https://www.bankofbaroda.in/personal-banking/insurance/pradhan-mantri-jeevan-jyoti-bima-yojana)

Pradhan Mantri Jeevan Jyoti Bima Yojana-PMJJBY

Step 2 – click on apply now button.

online register Pradhan Mantri Jeevan Jyoti Bima Yojana-PMJJBY

Step 3-fill all the necessary details.

Step 4- Upload all the necessary documents.

Step 5- pay the insurance premium.

Step 6- download the certificate of the insurance.

How To Download The Pradhan Mantri Jeevan Jyoti Bima Yojana Certificate.

To download the certificate from the Pradhan Mantri Jeevan Jyoti Bima Yojana PMJJBY, the policyholder can either download it from the Bank’s Official Website or you can collect the certificate from the nearby bank branches like here we can take icici bank-

Step 1- go to the official portal of your bank’s website and search for the Pradhan Mantri Jeevan Jyoti Bima Yojana PMJJBY option there. (https://www.icicibank.com/Personal-Banking/insurance/pradhan-mantri-bima-yojana.page)

certificate download Pradhan Mantri Jeevan Jyoti Bima Yojana-PMJJBY

Step 2 – Click on enroll now option.

certificate download for Pradhan Mantri Jeevan Jyoti Bima Yojana-PMJJBY

Step 3- Login via valid credentials like User Id and Mobile number.

Step 4 click on the download PMJJBY insurance Certificate option

Step 5 – download the certificate.

How To Cancel Pradhan Mantri Jeevan Jyoti Bima Yojana

To cancel or withdrawal your Pradhan Mantri Jeevan Jyoti BimaYojana, the applicant needs to visit their nearest bank where they have an account.

And they have to provide their identity proof for the withdrawal of the Pradhan Mantri Jeevan Jyoti Bima Yojana.

Pradhan Mantri Jeevan Jyoti Bima Yojana Terms and Conditions

You can take advantage of applying PMJJBY in all the banks of India that have been approved by RBI. But the terms and conditions of all the banks are different.

In whichever bank you are applying Pradhan Mantri Jeevan Jyoti Bima Yojana, it is important to know the terms and conditions very well. You can get all this information from the official website of the bank or from the bank employee.

Name Of All Bank List Where You Can Claim For Pradhan Mantri Jeevan Jyoti Bima Yojana

  1. Bank of Baroda
  2. Bank of India
  3. Bank of Maharashtra
  4. Canara Bank
  5. Union Bank of India
  6. Axis Bank Ltd.
  7. Bandhan Bank Ltd.
  8. CSB Bank Ltd.
  9. City Union Bank Ltd.
  10. Central Bank of India
  11. Indian Bank
  12. Indian Overseas Bank
  13. Punjab & Sind Bank
  14. Punjab National Bank
  15. State Bank of India
  16. UCO Bank
  17. DCB Bank Ltd.
  18. Dhanlaxmi Bank Ltd.
  19. Federal Bank Ltd.
  20. HDFC Bank Ltd
  21. ICICI Bank Ltd.
  22. Induslnd Bank Ltd
  23. IDFC First Bank Ltd.
  24. Jammu & Kashmir Bank Ltd.
  25. Karnataka Bank Ltd.
  26. Karur Vysya Bank Ltd.
  27. Kotak Mahindra Bank Ltd
  28. Lakshmi Vilas Bank Ltd.
  29. Nainital Bank Ltd.
  30. RBL Bank Ltd.
  31. South Indian Bank Ltd.
  32. Tamilnad Mercantile Bank Ltd.
  33. YES Bank Ltd.
  34. IDBI Bank Ltd.
  35. Chaitanya Godavari Grameena Bank
  36. Saptagiri Grameena Bank
  37. Andhra Pradesh Grameena Vikas Bank
  38. Telangana Grameena Bank
  39. Arunachal Pradesh Rural Bank
  40. Uttar Bihar Gramin Bank
  41. Au Small Finance Bank Limited
  42. Capital Small Finance Bank Limited
  43. Equitas Small Finance Bank Limited
  44. Suryoday Small Finance Bank Limited
  45. Ujjivan Small Finance Bank Limited
  46. Utkarsh Small Finance Bank Limited
  47. ESAF Small Finance Bank Limited
  48. Chhattisgarh Rajya Gramin Bank
  49. Saurashtra Gramin Bank
  50. Sarva Haryana Gramin Bank
  51. Himachal Pradesh Gramin Bank
  52. Fincare Small Finance Bank Limited
  53. Jana Small Finance Bank Limited
  54. North East Small Finance Bank Limited
  55. Shivalik Small Finance Bank Limited
  56. India Post Payments Bank Limited
  57. Fino Payments Bank Limited
  58. Andhra Pragathi Grameena Bank
  59. Ellaquai Dehati Bank
  60. J&K Grameen Bank
  61. Karnataka Vikas Grameena Bank
  62. Madhyanchal Gramin Bank
  63. Vidharbha Konkan Gramin Bank
  64. Maharashtra Gramin Bank
  65. Manipur Rural Bank
  66. Meghalaya Rural Bank
  67. Mizoram Rural Bank
  68. Nagaland Rural Bank
  69. Utkal Grameen bank
  70. Odisha Gramya Bank
  71. Puduvai Bharathiar Grama Bank
  72. Baroda Rajasthan Kshetriya Gramin Bank
  73. Rajasthan Marudhara Gramin Bank
  74. Tripura Gramin Bank
  75. Uttarakhand Gramin Bank
  76. Bangiya Gramin Vikas Bank
  77. Paschim Banga Gramin Bank
  78. Uttarbanga Kshetriya Gramin Bank
  79. Kerala Gramin Bank
  80. Assam Gramin Vikash Bank
  81. Baroda Gujarat Gramin Bank
  82. Dakshin Bihar Gramin Bank
  83. Punjab Gramin Bank
  84. Jharkhand Rajya Gramin Bank
  85. Karnataka Gramin Bank
  86. Madhya Pradesh Gramin Bank
  87. Tamil Nadu Grama Bank
  88. Aryavart Bank
  89. Prathama UP Gramin Bank
  90. Baroda UP Bank*
  91. Australia and New Zealand Banking Group Ltd.
  92. Westpac Banking Corporation
  93. Bank of Bahrain & Kuwait BSC
  94. AB Bank Ltd.
  95. Sonali Bank Ltd.
  96. Bank of Nova Scotia
  97. BNP Paribas
  98. Credit Agricole Corporate & Investment Bank
  99. Societe Generale
  100. Deutsche Bank
  101. HSBC Ltd
  102. Mizuho Bank Ltd.
  103. Sumitomo Mitsui Banking Corporation
  104. MUFG Bank, Ltd.
  105. Doha Bank
  106. Qatar National Bank
  107. JSC VTB Bank
  108. Sberbank
  109. United Overseas Bank Ltd
  110. Mashreq Bank PSC
  111. First Abu Dhabi Bank PJSC
  112. Emirates Bank NBD
  113. Barclays Bank Plc.
  114. Standard Chartered Bank
  115. NatWest Markets Plc
  116. American Express Banking Corporation
  117. Bank of America
  118. Citibank N.A.
  119. J.P. Morgan Chase Bank N.A.
  120. SBM Bank (India) Limited*
  121. DBS Bank India Limited*
  122. FirstRand Bank Ltd
  123. Shinhan Bank
  124. Woori Bank
  125. KEB Hana Bank
  126. Industrial Bank of Korea
  127. Kookmin Bank
  128. Bank of Ceylon
  129. Credit Suisse A.G
  130. CTBC Bank Co., Ltd.
  131. Krung Thai Bank Public Co. Ltd.

In which state you can apply Pradhan Mantri Jeevan Jyoti Bima Yojana

State NameApply Now
Andaman & NicobarClick Here
Andhra Pradesh(AP) Click Here
Arunachal Pradesh Click Here
Assam Click Here
Bihar Click Here
Chhattisgarh Click Here
Dadra & Nagar Haveli Click Here
Daman and Diu Click Here
Goa Click Here
Gujarat Click Here
Haryana Click Here
Himachal Pradesh(HP) Click Here
Jammu & Kashmir Click Here
Jharkhand Click Here
Karnataka Click Here
Kerala Click Here
Lakshadweep Click Here
Madhya Pradesh(MP) Click Here
Maharashtra Click Here
Manipur Click Here
Meghalaya Click Here
Mizoram Click Here
Nagaland Click Here
Odisha Click Here
Puducherry Click Here
Punjab Click Here
Rajasthan Click Here
Sikkim Click Here
Tamil Nadu(TN) Click Here
Telangana Click Here
Tripura Click Here
Uttar Pradesh(UP) Click Here
Uttarakhand Click Here
West Bengal(WB) Click Here
Total Click Here

Frequently Asked Questions (FAQ) On PMJJBY

What is Pradhan Mantri Jeevan Jyoti Bima Yojana?

Pradhan Mantri Jeevan Jyoti Bima Yojana PMJJBY is a scheme launched by the government of India in 2015, to provide life insurance claim for everyone at a minimal cost of Rs. 330 per annum.

Who launched Pradhan Mantri Jeevan Jyoti Bima Yojana?

The Pradhan Mantri Jeevan Jyoti Bima Yojana PMJJBY is presented in the parliament by the government of India and was launched by the Prime minister of India Shri Narendra Modi.

How to login into Pradhan Mantri Jeevan Jyoti Bima Yojana?

you can log in to your Pradhan Mantri Jeevan Jyoti Bima Yojana by login into your account using your registration number and registered mobile number on your bank’s website.

When was Pradhan Mantri Jeevan Jyoti Bima Yojana started?

Pradhan Mantri Jeevan Jyoti Bima Yojana was started in May 2015 by Prime Minister Narendra Modi, which is providing huge benefits to the people till date.

What is the age limit for Pradhan Mantri Jeevan Jyoti Bima Yojana?

For Pradhan Mantri Jeevan Jyoti Bima Yojana, the minimum age should be 18 years and maximum 50 years. It should not be more or less than 1 day.

Visit Govt SiteClick Here
Nnvns HomeGo Here
All Government SchemesSee Here

Leave a Comment

Your email address will not be published. Required fields are marked *