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Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

प्रधानमंत्री जीवन ज्योति बीमा योजना

PM Jeevan Jyoti Bima (PMJJBY) — Kisi bhi karan se mrityu hone par nominee ko ₹2 lakh ka jeevan bima — premium sirf ₹436 prati varsh, khaate se apne aap kat ta hai

Seedha jawaab: Kisi bhi karan se mrityu hone par nominee ko ₹2 lakh ka jeevan bima — premium sirf ₹436 prati varsh, khaate se apne aap kat ta hai.

Vibhag: Vittiya Seva Vibhag (DFS), Vitt Mantralaya — Jan Suraksha yojanaen · Official portal: www.jansuraksha.gov.in · Helpline: 18001801111 · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

PMJJBY 18 se 50 saal ke har us vyakti ke liye sasta jeevan bima hai jiske paas bank ya post-office khaata hai. Kisi bhi karan se mrityu hone par parivaar (nominee) ko ₹2 lakh milte hain. Premium sirf ₹436/saal hai aur aapki sahmati se har saal khaate se auto-debit ho jata hai. Cover har saal 1 June se 31 May tak ka hota hai aur 55 saal ki umar tak renew ho sakta hai. Ek zaroori shart: pehli baar judne par pehle 30 din me durghatna ke alawa kisi karan se mrityu par claim nahi milta.

Kaun patr hai ✓

  • 18 se 50 saal ki umar ka koi bhi vyakti jiske paas sahbhagi bank ya post-office me vyaktigat (single ya joint) bachat khaata ho
  • Jisne premium ke auto-debit ki sahmati di ho — premium har saal ek kist me khaate se kat ta hai
  • Ek vyakti sirf ek hi khaate ke zariye is yojana se jud sakta hai

Kaun patr NAHI hai ✗

  • 50 saal se zyada umar par naya khaata/pravesh nahi milta (jo pehle se jude hain, unka cover renewal par 55 saal tak chalta hai)
  • Ek se zyada khaaton se judav nahi hota — sirf ek khaate se premium katega aur wahi cover manya hoga
  • Khaata band ho jaye ya premium ke samay paryapt balance na ho, to cover us saal ke liye samaapt ho sakta hai

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Apni bank ya post-office shakha par jayeinPMJJBY ka form apni shakha se lein. Kai bank net-banking/mobile app se bhi judne ki suvidha dete hain — apne bank par confirm karein.
  2. Form bharein aur nominee zaroor jodeinForm me apni jankari aur nominee ka vivaran sahi-sahi bharein. Bina nominee ke parivaar ko claim lene me dikkat hoti hai.
  3. Auto-debit sahmati deinPremium ₹436 har saal 1 June se 31 May wale cover varsh ke liye khaate se apne aap kat ta hai. Saal ke beech me judne par us varsh ka premium pro-rata lagta hai — Jun-Aug me ₹436, Sep-Nov me ₹342, Dec-Feb me ₹228 aur Mar-May me ₹114 (DFS ke anusaar).
  4. Har saal May ke aas-paas balance rakheinRenewal ka premium cover varsh shuru hone se pehle kat ta hai. Khaate me paryapt balance rakhein, varna us saal ka cover nahi milega.

Status / kist kaise check karein

  1. Passbook/statement me premium katauti dekheinHar saal ₹436 ki katauti dikhe to samjhein cover jaari hai. Katauti na dikhe to turant shakha se sampark karein.
  2. Bank shakha se cover ki pushtiShakha se apni PMJJBY sthiti aur nominee vivaran ki pushti kabhi bhi karayi ja sakti hai — nominee badalna ho to yahi se hota hai.
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline 18001801111 ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (www.jansuraksha.gov.in) se karein.

Aksar puche jaane wale sawal (FAQ)

PMJJBY ka premium kab aur kitna kat ta hai?

Premium ₹436 prati varsh hai, jo cover varsh (1 June-31 May) ke liye aapke bank/post-office khaate se auto-debit hota hai. Saal ke beech me pehli baar judne par pro-rata premium lagta hai: Sep-Nov me judne par ₹342, Dec-Feb me ₹228 aur Mar-May me ₹114 (Vittiya Seva Vibhag ke anusaar).

Judne ke 30 din ke andar mrityu ho jaye to claim milega kya?

Pehle 30 din lien period hai — is avadhi me sirf durghatna se mrityu par claim milta hai; kisi anya karan (bimari aadi) se mrityu par claim nahi milta. Ye shart pehli baar judne aur dobara judne (re-join) dono par lagti hai. 30 din ke baad kisi bhi karan se mrityu par ₹2 lakh nominee ko milta hai.

Kitni umar tak ye bima chalta hai?

Pravesh sirf 18-50 saal me hota hai, lekin cover har saal renewal ke saath 55 saal ki umar (age near birthday) tak chalta hai. 55 ke baad cover samaapt ho jata hai.

Kya main apne do bank khaaton se do PMJJBY le sakta hu?

Nahi. Ek vyakti sirf ek hi khaate ke zariye PMJJBY se jud sakta hai. Do jagah premium bharne se dohra labh nahi milta.

Claim lene ke liye parivaar ko kya karna hoga?

Nominee ko sambandhit bank/post-office shakha me claim form ke saath mrityu praman patra aur zaroori kagaz jama karne hote hain. Isiliye khaata kholte samay nominee ka sahi vivaran aur parivaar ko yojana ki jankari dekar rakhna sabse zaroori hai — pakki kagaz-suchi shakha se lein.

PMJJBY aur PMSBY me kya antar hai?

PMJJBY jeevan bima hai — kisi bhi karan se mrityu par ₹2 lakh, premium ₹436/saal, umar 18-50. PMSBY sirf durghatna bima hai — durghatna me mrityu/purna divyangta par ₹2 lakh, premium sirf ₹20/saal, umar 18-70. Dono ek saath liye ja sakte hain.

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

Doston-parivaar ko bhejein

Ye poster WhatsApp par forward karne ke liye hai — jise is yojana ki zaroorat ho, us tak sahi jankari pahunchayein.

PM Jeevan Jyoti Bima (PMJJBY) — WhatsApp share poster

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