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 Name	Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY)
Minimum Age To Apply	18 Years
Maximum Age Limit	50 Years
Minimum Premium To Pay	Rs. 330/- per year
Toll-Free Number	1800 209 8700
Email	[email protected]
Payment Mode	Auto Debited From Bank Account
Risk Coverage	Rs. 2 Lakh
Official Website	financialservices.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.

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

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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)

Step 2 – click on apply now button.

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)

Step 2 – Click on enroll now option.

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 Name	Apply Now
Andaman & Nicobar	Click 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

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Nnvns Home	Go Here
All Government Schemes	See Here