Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 2025 me ₹2 lakh ka life insurance sirf ₹436/saal me. Yojana ke benefits, eligibility, documents aur apply process janen.
Introduction
Aaj ke time me life insurance har ghar ke liye zaroori ho chuka hai. Lekin premium zyada hone ki wajah se bahut saare log insurance nahi le pate. Isi problem ko solve karne ke liye Government of India ne Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) launch ki.
PMJJBY ek government-backed life insurance scheme hai jisme aapko sirf ₹436 per year me ₹2 lakh ka life insurance cover milta hai. Yeh yojana students, workers, housewives, farmers, employees, self-employed log, ya kisi bhi Indian citizen ke liye best low-cost insurance plan hai.
Is article me hum PMJJBY ka meaning, benefits, eligibility, documents, premium details, apply process, renewal process aur FAQs ko simple Hindi me samjhenge.
MyScheme Portal – PMJJBY-Official portal by Government of India listing PMJJBY benefits, eligibility, and application process.
Also Read: Pradhan Mantri Viksit Bharat Rozgar Yojana 2025 – Eligibility, Benefits & Registration Process.
PMJJBY Kya Hai?
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) ek term life insurance scheme hai jo 2015 me shuru hui thi. Isme:
- Life Cover: ₹2,00,000
- Premium: ₹436 per year
- Age Limit: 18–50 saal
- Coverage: Natural + Accidental death
- Payment: Auto-debit through bank account
Ye yojana bilkul simple, affordable aur hassle-free hai.
PMJJBY Ka Purpose Kya Hai?
- Gareeb aur middle-class families ko affordable insurance provide karna
- Kisi accident ya natural death ki situation me parivaar ko financial security dena
- Bharat me insurance awareness badhana
- Har Indian household ko basic life cover provide karna
Jansuraksha Portal – PMJJBY Rules & Guidelines-PDF of the official rules and guidelines for subscribers.
PMJJBY Benefits (2025)
1. ₹2 Lakh Life Insurance Cover
Natural ya accidental death par nominee ko ₹2,00,000 milta hai.
2. Lowest Premium – Sirf ₹436/Saal
India ka sabse sasta life insurance plan.
3. Nationwide Validity
India ke kisi bhi state/city me apply kar sakte hain.
4. Auto-Debit Facility
Premium har saal automatically account se kat jata hai.
5. No Medical Test Required
Health checkup ki zaroorat nahi — sabhi log apply kar sakte hain.
6. Easy Apply Options
Bank, net banking, ya mobile app se enroll kar sakte hain.
PMJJBY Eligibility 2025
- Age: 18–50 years
- Indian citizen
- Savings bank account
- Aadhaar-linked bank account
PMJJBY Premium Details 2025
For more details on Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), visit the official Ministry of Finance page
PMJJBY Required Documents
- Aadhaar Card
- Bank Passbook / Account
- Passport-size Photo
- Nominee Details
- Active Mobile Number
Agar aap safe aur long-term investment options compare kar rahe hain, to hamara detailed guide “FD vs PPF – Best Investment Option in 2025” zaroor padhiye. Isme aapko returns, tax benefits aur risk ka clear comparison milega.
PMJJBY Apply Kaise Kare? – 3 Easy Ways
1. Bank Branch Se Apply Kare
- Bank branch visit kare
- PMJJBY application form maange
- Form fill kare (name + nominee)
- Aadhaar + bank details de
- Auto-debit activate kare
2. Net Banking Se Apply Kare
Applicable for SBI, HDFC, PNB, ICICI, Axis Bank users.
Steps:
- Net banking login kare
- Insurance / Government Schemes section open kare
- PMJJBY choose kare
- Details confirm kare
- Submit – aur enrollment complete
3. Mobile App Se Apply Kare (SBI YONO / HDFC / PNB)
- App open kare
- Insurance → Government Schemes
- PMJJBY select kare
- Nominee details fill kare
- Submit kare
PMJJBY Renewal Process 2025
- Premium har saal 31 May ko auto-debit hota hai
- Account me sufficient balance hona zaroori hai
Agar policy lapse ho jaye:
- Dobara form fill karna padega
- Health declaration dena hoga
- Account balance maintain karna hoga
PMJJBY Claim Process (Nominee Ke Liye)
- Bank branch me jaakar claim form le
- Death certificate submit kare
- Aadhaar + bank account details de
- Bank verification karega
- 7–30 din me ₹2 lakh transfer ho jata hai
PMJJBY Vs Regular Life Insurance
Important Points (2025)
- Same person multiple bank accounts se 2 policies nahi le sakta
- Nominee details sahi bhare
- Account me balance rakhe
- Renewal time par premium deduct hona chahiye
Conclusion
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) India ka sabse sasta aur trusted life insurance plan hai. Sirf ₹436 me ₹2 lakh cover, easy application, auto-debit, no medical test, aur all-India validity is yojana ko har Indian ke liye perfect banata hai.
Agar aapke paas basic life insurance nahi hai, to PMJJBY zaroor lena chahiye.
Agar aap safe aur high-return investment options dhund rahe hain, to Latest Govt Small Saving Schemes 2025 – Best Plans for Safe Investment zaroor check karein.
FAQ – PMJJBY 2025
1. PMJJBY ka premium kitna hai?
Ans- Sirf ₹436 per year.
2. PMJJBY me kitna insurance milta hai?
Ans- ₹2,00,000 life cover.
3. PMJJBY kis age tak liya ja sakta hai?
Ans- 18–50 years, renewal 55 saal tak.
4. PMJJBY me medical test hota hai?
Ans- Nahi, koi medical test nahi hota.
5. Nominee kaun ho sakta hai?
Ans- Wife, husband, parents, children, ya close family.
6. PMJJBY claim kaise milta hai?
Ans- Death certificate + claim form bank me submit karne par 7–30 din me ₹2 lakh mil jata hai.