Life is unpredictable. Sometimes a normal day can bring unexpected incidents that deeply affect a family. In such moments, financial security becomes crucial. To provide affordable life insurance to every Indian citizen, the Government of India has launched the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY).
This scheme offers life insurance coverage of ₹2 lakh at a very low premium of just ₹436 per year, making it accessible to people from all economic backgrounds.
What is Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)?
The Pradhan Mantri Jeevan Jyoti Bima Yojana is a government-backed life insurance scheme launched on 9th May 2024. It provides financial protection to families in case of the sudden death of the earning member, ensuring their loved ones do not face financial hardship.
- Scheme Name: Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
- Launched By: Central Government of India
- Launch Date: 9 May 2024
- Coverage: ₹2 Lakh (life insurance cover)
- Annual Premium: ₹436 only
- Beneficiaries: Indian citizens aged 18–50 years
- Official Website: jansuraksha.gov.in
Key Benefits of PMJJBY 2025
✅ Life insurance coverage of ₹2 lakh.
✅ Affordable premium of just ₹436 per year.
✅ Coverage available to all subscribers aged 18 to 50 years.
✅ Insurance benefit available in case of death due to any reason.
✅ Premium is auto-debited directly from the subscriber’s bank or post office account.
Eligibility for Pradhan Mantri Jeevan Jyoti Bima Yojana
To enroll in PMJJBY 2025, the applicant must:
- Be an Indian citizen.
- Be aged between 18 and 50 years.
- Have a savings account in a bank or post office.
Documents Required
To apply for PMJJBY, you need the following documents:
- Aadhaar Card
- PAN Card
- Bank Passbook
- Mobile Number
- Passport Size Photograph
How to Apply for PMJJBY 2025
Follow these steps to apply for the Pradhan Mantri Jeevan Jyoti Bima Yojana:
- Visit the official website: jansuraksha.gov.in.
- Download the PMJJBY Application Form.
- Fill in all the required details correctly.
- Submit the form at your bank or post office branch.
- Ensure you have at least ₹436 in your account for the premium.
- Once the amount is auto-debited, your policy will be activated.
👉 To continue the scheme, you must renew it every year by maintaining the ₹436 premium in your account.
Important Links
- Official Website: Click Here
- Application Form: Available on the official website
Conclusion
The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) 2025 is one of the most affordable life insurance schemes in India, aimed at providing financial protection to every family. With just ₹436 per year, you can ensure your loved ones receive a ₹2 lakh life cover in case of any unfortunate incident.
It is highly recommended for every eligible citizen to enroll in this scheme and secure their family’s future.