PM Jivan Jyoti Bima Yojana 2025: Most of the citizen are living at middle class and lower class financial status and do not have a fixed to future for their family so they have to earn regularly to fulfil their needs and dreams. So there are multiple insurance companies available which are offering life insurance to their customers and ensuring them to provide financial assistance at any premature death of applicant to their family.
So if you are also looking for Life Insurance Scheme for maximum returns then you can check Pradhanmantri Jivan Jyoti Bima Yojana 2025 which is Central Government sponsored scheme. Check the eligibility criteria, benefits, monthly contribution etc in this article so you can easily apply online or offline according to your need after getting complete information of PMJJBY.
The scheme was launched on 2015 with the name of Pradhan Mantri Jeevan Jyoti Bima Yojana 2025 to provide financial assistance to the beneficiaries. However government is time to time increasing the benefits and capability of the scheme and today we are discussing the latest updates of PM Jivan Jyoti Bima scheme 2025 which will help you to know about the comprehensive details of the scheme.
Benefits of PM Jivan Jyoti Bima Yojana 2025
As it is life insurance is plan of Central government in India so beneficiaries will receive the amount on death According to the plan. The nominee of this scheme will receive 2 lakh Rupees in case premature death of the applicant. Beneficiaries have to pay maximum 330 annually under this scheme however the amount will be calculated according to the age of the application. As soon you apply in this scheme you have to pay minimum amount.
The scheme is renewable at every year and you can withdraw your plan at anytime during the year and get your submitted amount back. Eligible applicants can apply at the maximum age of 50 years but they can get the benefits of this plan for maximum 55 years.
| Bifurcation ofpremium collected from Customers | Enrolmentduring month of June, July & August | Enrolmentduring Sept, Oct & Nov | EnrolmentDuring Dec, Jan & Feb | EnrolmentDuring March, April & May |
| Total premiumcollected | Rs.436/- | Rs.342/- | Rs.228/- | Rs.114/- |
PMJJBY Eligibility Age Limit 2025
Only Indian citizens are eligibility reply under Pradhan Mantri Jeevan Jyoti Bima scheme. Age of the applicant should be between 18 to 50 years. As early applicants apply they will be charged from minimum annual amount however the maximum annual premium is 330.
You should have saving account or any other type of bank account in any bank in India which is providing PM Jivan Jyoti Bima scheme facilities. There are no other specific eligibility criteria and you need not to provide any medical document to get the benefits of Jeevan Jyoti Bima scheme.
How to Apply for PM Jeevan Jyoti Bima Yojana 2025 Online?
You can now apply for PMJJBY easily using your bank’s net banking portal or mobile banking app. Here’s a step-by-step process:
Step-by-Step Online Application:
- Visit your bank’s official website or log in to its mobile app
- Go to the “Insurance” or “Social Security Schemes” section
- Select Pradhan Mantri Jeevan Jyoti Bima Yojana
- Click on ‘Apply Now’
- Bank account linked for premium debit
- Tick the checkbox for Auto Debit Consent
- Submit the form and pay the ₹330 premium
- You’ll receive confirmation via SMS and email
How to Download PM Jeevan Jyoti Bima Yojana Application Form PDF
Step 1: Go to the official PM Jeevan Jyoti Bima Yojana Portal.
Step 2: On the homepage, select the “Forms” tab from the main menu as indicated.
Step 3: Next, select the “Pradhan Mantri Jeevan Jyoti Bima Yojana” sub-section under the “Forms” section in the newly opened window. Alternatively.
Step 4: Click the “Application Forms” link in the Pradhan Mantri Jeevan Jyoti Bima Yojana Forms window that opens.
Step 5: The application forms section will open in multiple languages, allowing users to download the PM Jeevan Jyoti Bima Yojana Form PDF in the language of their choice. Here, we’ve chosen to use English to explain the PMJJBY Scheme application process.
Step 6: The PM Jeevan Jyoti Bima Yojana Application Form PDF will then be available for download online as indicated below.
Documents for PMJJBY ₹2 Lakh Life Insurance Scheme
- Aadhar card
- Bank account details
- PAN card
- Passport size photograph
- Mobile number which should be link with PAN card, Aadhar Card and bank account of the applicant.
How to Apply for PM Jeevan Jyoti Bima Yojana 2025 Through Bank or Online?
You can directly visit to your nearest branch to apply through outline mode for physically mode, however we are discussing with you the online step by step procedure of PM Jeevan Jyoti Bima scheme application procedure which will help you to apply in this scheme without visiting to the branch:
Firstly visit to official website of the bank where you have already bank account. After that you have to select insurance section and click on PM Jivan Jyoti Bima scheme 2025. You can read all the terms and conditions in this page and click on apply now link. Enter your user id and password for login at Bank dashboard.
After that the PMJJBY 2025 Registration Form will appear on your screen where you have to enter your personal details and all other information. Select your nominee details in this PM Jeevan Jyoti Bima Yojana 2025 Application Form and select the plan according to your age. Once you have your first premium in this scheme your account will activated within 24 hours and you can claim the beneficiary amount after 45 days of this PM Jeevan Jyoti Bima Scheme 2025.
FAQs about PM Jivan Jyoti Bima Yojana 2025
Who can apply for PMJJBY in 2025?
Anyone aged 18–50 years with a savings bank account in India can apply.
Can I apply for PMJJBY without Aadhaar?
Aadhaar is essential as it links your identity with your bank and nominee details.
Is there any waiting period?
Yes, a 45-day waiting period for death by natural causes. No waiting for accidental death.
Can I get tax benefits?
Yes, premium paid under PMJJBY is eligible for tax deduction under Section 80C.
What if I miss the annual premium?
Your policy will lapse. You can reapply, but coverage will restart after 45 days.