Looking for PMJJBY eligibility, documents, premium, application and claim information? This guide brings the key official details together in one place.
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
PMJJBY is a renewable one-year term life-insurance scheme providing ₹2 lakh life cover on death due to any cause. It is administered through participating banks/Post Offices and life insurers under the Department of Financial Services, Ministry of Finance.
Last Verified: 27 August 2026
Source: Official Government Websites
Applicable State: India
Service Type: Online + Offline (through participating Bank/Post Office)
Eligibility Criteria
| Eligibility Requirement | Details |
|---|---|
| Age | 18–50 years at enrolment |
| Account | Individual bank/post-office account with a participating institution |
| Residency | Indian residents with an eligible account |
| Other Conditions | Consent for annual premium auto-debit is required; enrolment through only one account is permitted |
Documents Required
| Document | Required / Optional | Purpose/Notes |
|---|---|---|
| PMJJBY Consent-cum-Declaration Form | Required | Used for enrolment and authorising premium auto-debit |
| Bank/Post Office Account Details | Required | Account used for enrolment and premium debit |
| Aadhaar/Other KYC | Conditional | As required by the participating bank/Post Office |
Application Fee & Processing Time
| Application Type / Category | Application Fee | Processing Time |
|---|---|---|
| Standard annual premium | ₹436/year | Not clearly specified on the official source |
| Delayed enrolment/re-enrolment | Pro-rata premium may apply depending on enrolment month | Not clearly specified on the official source |
Important Links
| Purpose | Official Link |
|---|---|
| Official Scheme Information | Department of Financial Services – PMJJBY |
| Official PMJJBY Portal & Forms | Jan Suraksha – PMJJBY |
| Application Form | PMJJBY Application Form |
| Claim Form | PMJJBY Claim Form |
| Official FAQs | PMJJBY FAQs |
| Contact / Helpdesk | Jan Suraksha Contact Page |
How to Apply — Step by Step
- Approach a participating Bank/Post Office where you hold an eligible account.
- Request PMJJBY enrolment.
- Complete and submit the consent-cum-declaration form.
- Authorise the annual premium to be auto-debited from your account.
- Keep the enrolment acknowledgement/insurance confirmation for your records.
How to Track Application
PMJJBY does not provide a clearly specified public application-status tracker on its official portal. Contact the participating Bank/Post Office to confirm enrolment, premium debit and insurance coverage.
What to Do If Something Goes Wrong
- Enrolment/premium issue: Contact the participating Bank/Post Office.
- Incorrect or duplicate enrolment: Ask the bank/Post Office to verify or correct the account-level enrolment.
- Death claim: The nominee/claimant should obtain the official claim form and submit it with the required documents through the designated bank/Post Office/insurer channel.
- Claim or service grievance: Use the official Jan Suraksha contact/helpdesk route or approach the participating institution.