PMJJBY Scheme Details: PMJJBY Kya Hai, Full Form, Benefits aur Poora Jaankari – 2025 Guide
PMJJBY Kya Hai?
Aaj ke samay mein financial security sabse badi zarurat ban chuki hai. Agar kisi ghar ka kamane wala vyakti achanak is duniya se chala jaye, toh us par nirbhar logon ke liye jeevan jeena mushkil ho jata hai. Isi problem ka solution ban kar aayi hai PMJJBY – Pradhan Mantri Jeevan Jyoti Bima Yojana.
Ye ek life insurance scheme hai jo sarkar dwara launch ki gayi hai, jisme sirf ₹436 annual premium dekar ₹2 lakh ka life cover milta hai. Chaliye is article mein PMJJBY ke baare mein sab kuch detail mein jaante hain – iska full form, features, benefits, eligibility, aur kaise apply karein.
PMJJBY Full Form in Hindi
PMJJBY ka full form hai: Pradhan Mantri Jeevan Jyoti Bima Yojana.
Hindi mein iska arth hai – ek aisi jeevan bima yojana jo Pradhan Mantri ke dwara shuru ki gayi hai, jiska uddeshya aam aadmi ko kam premium mein jeevan suraksha dena hai.
PMJJBY Scheme Details – Basic Information
| Feature | Details |
|---|---|
| Scheme Name | Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) |
| Launch Year | 2015 |
| Launched By | Pradhan Mantri Narendra Modi |
| Annual Premium | ₹436 per year |
| Coverage Amount | ₹2 lakh |
| Coverage Period | 1 June to 31 May |
| Entry Age | 18 to 50 years |
| Policy Expiry Age | 55 years |
| Claim Amount | ₹2,00,000 |
| Mode of Payment | Auto-debit from bank account |
PMJJBY Eligibility – Kaun Le Sakta Hai Iska Labh?
PMJJBY yojana ka labh lene ke liye kuch basic eligibility criteria hain:
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Vyakti ki age 18 se 50 saal ke beech honi chahiye.
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Applicant ke paas savings bank account hona chahiye.
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Bank account Aadhaar se linked hona chahiye.
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Applicant ki life insured hone ki sahmati honi chahiye.
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Premium ki rakam bank account se auto-debit honi chahiye.
PMJJBY Benefits in Hindi – Yojana ke Mukhya Fayde
1. Low Premium, High Coverage
Sirf ₹436 mein ₹2 lakh ka jeevan bima cover milta hai – jo kisi bhi private policy ke comparison mein bahut hi affordable hai.
2. Auto-Renewal Facility
Is yojana ka premium har saal bank account se automatically deduct ho jata hai – isse policy lapse hone ka chance kam hota hai.
3. Tax Benefit
Income Tax Act ke Section 80C ke tahat is premium par tax benefit mil sakta hai.
4. Security for Family
Yadi kisi karan se policyholder ki death ho jati hai, toh ₹2 lakh ka amount nominee ko milta hai jo unke liye financial support ban sakta hai.
5. Easy Enrollment
Enrollment process bahut hi asaan hai – aap apne bank ke through ya online banking apps ke madhyam se apply kar sakte hain.
PMJJBY Premium Amount Details
Starting mein is yojana ka premium ₹330 tha, lekin 2022 mein ise badhakar ₹436 kar diya gaya. Yah premium har saal ek baar 31 May se pehle auto-debit ke through account se kat liya jata hai.
Important Note: Agar kisi saal premium ka payment nahi hota, toh policy automatically lapse ho sakti hai.
How to Apply for PMJJBY – Apply Karne ka Tarika
PMJJBY ke liye apply karne ke liye aap neeche diye gaye steps follow kar sakte hain:
Step 1:
Apne savings bank account mein login karein ya branch visit karein.
Step 2:
PMJJBY enrollment form bhar kar submit karein.
Step 3:
Aapke account se ₹436 ka premium auto-debit ho jayega.
Step 4:
Policy confirmation SMS/email ke through mil jayega.
Alternatives: Aap online bhi apply kar sakte hain via:
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SBI YONO app
-
PNB One
-
HDFC NetBanking
-
Axis Mobile App
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ICICI iMobile app
Documents Required for PMJJBY Enrollment
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Aadhaar card
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Bank passbook / account details
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Passport size photo (if needed)
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PMJJBY application form (bank se milega)
PMJJBY Claim Process – Death Claim Kaise Karen?
Agar insured vyakti ki death ho jaati hai, toh nominee ko neeche diye gaye steps follow karne honge:
Step 1:
Nearest bank branch mein death certificate aur PMJJBY form jama karein.
Step 2:
Claim form ke sath nominee ID proof, bank passbook, aur death certificate submit karein.
Step 3:
Verification ke baad 7 se 30 din ke andar ₹2 lakh ka amount nominee ke account mein transfer kar diya jata hai.
PMJJBY vs PMSBY – Dono Mein Kya Antar Hai?
| Feature | PMJJBY | PMSBY |
|---|---|---|
| Full Form | Pradhan Mantri Jeevan Jyoti Bima Yojana | Pradhan Mantri Suraksha Bima Yojana |
| Type of Cover | Life Insurance | Accident Insurance |
| Annual Premium | ₹436 | ₹20 |
| Coverage | ₹2 lakh (Death) | ₹2 lakh (Accidental Death/Disability) |
| Eligibility | 18 to 50 years | 18 to 70 years |
PMJJBY FAQs – Logon ke Sawalon ke Jawab
Q1. PMJJBY me maximum kitna cover milta hai?
Aapko ₹2 lakh ka life insurance cover milta hai.
Q2. PMJJBY me claim kaise karein?
Nominee ko death certificate, form aur ID proof ke sath bank mein claim file karna hota hai.
Q3. Kya PMJJBY ek baar hi lena padta hai?
Nahi, ye ek yearly renewable policy hai. Har saal premium auto-debit hota hai.
Q4. Kya main PMJJBY cancel kar sakta hoon?
Haan, aap apne bank branch mein jaake policy cancel kar sakte hain.
Conclusion – PMJJBY Ek Smart Bachat aur Suraksha Ka Saadhan
Agar aap ek middle-class ya lower-income group se belong karte hain, toh PMJJBY ek smart aur affordable life insurance option hai. Kam premium mein bada coverage milta hai jo aapki family ko aapki death ke baad financial sahara de sakta hai.
Aapka ek chhota sa kadam, aapki family ki badi suraksha ban sakta hai. Toh agar aap eligible hain, toh bina deri ke PMJJBY mein enrollment karayein.
- PMJJBY scheme details
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- PMJJBY vs PMSBY
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- Benefits of Pradhan Mantri Jeevan Jyoti Bima Yojana
- PMJJBY death claim procedure
- PMJJBY enrolment process step by step
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