Enrol in PMJJBY (₹436/year life cover) or PMSBY (₹20/year accident cover) via your bank account.
Jurisdiction
All of India
Who applies
Indian citizens aged 18–50 years (PMJJBY) or 18–70 years (PMSBY) with an Aadhaar-linked savings bank account seeking low-cost government-backed life or accident insurance
Typical time
Same-day or next-day enrolment at a bank branch or through net banking; insurance cover effective from the day of premium debit
Fee
PMJJBY: ₹436 per annum (auto-debited once per year on 1 June or date of enrolment); PMSBY: ₹20 per annum (auto-debited annually)
| # | Document | Type needed | Purpose |
|---|---|---|---|
| 1 | Aadhaar Card | Self-attested Copy | Mandatory KYC for enrolment; account must be Aadhaar-seeded for premium auto-debit under DBT framework |
| 2 | Savings Bank Passbook | Self-attested Copy | Confirms existence of a savings account with a participating bank from which premium will be auto-debited |
| 3 | Enrolment / Consent Form | Original | Signed consent form authorising the bank to auto-debit annual premium and nominating beneficiary; available at bank branch or downloaded from jansuraksha.gov.in |
| 4 | Nomination details (nominee's Aadhaar / identity proof) | Self-attested Copy | Nominee's identity proof to be recorded for claim settlement; nominee receives claim amount on account holder's death |
Original documents: Carry originals only for in-person visits — do not hand them over permanently unless explicitly required.
Approach any participating scheduled commercial bank branch where you hold a savings account, or log in to the bank's internet banking or mobile banking app. Nearly all public sector banks (SBI, PNB, Bank of Baroda, etc.) and many private banks participate. You can also enrol through Business Correspondents and Common Service Centres (CSCs) in rural areas.
Collect the PMJJBY or PMSBY enrolment form from the bank or download from jansuraksha.gov.in. Fill in personal details, savings account number, nominee name, nominee relationship, and nominee contact. Sign the auto-debit authorisation. Submit the form at the branch counter. For online enrolment, follow the bank's net banking flow under 'Insurance' or 'Government Schemes'.
On submission of the consent form, the bank debits the annual premium (₹436 for PMJJBY or ₹20 for PMSBY) from your savings account immediately or on the next working day. Insurance cover commences from the date of premium debit. Ensure your account has sufficient balance on 1 June each year for annual renewal (or maintain a minimum balance).
The bank issues a confirmation SMS or passbook entry for the premium debit. You may request a policy certificate or acknowledgement slip from the branch. Keep this for your records. For claims, the bank acts as the insurance master policyholder on behalf of the insurer (LIC for PMJJBY, New India Assurance / NPCI empanelled insurers for PMSBY).
In case of death (PMJJBY) or accident (PMSBY), the nominee or claimant submits a claim form along with required documents (death certificate, FIR / police report for accident, disability certificate) to the bank branch within 30 days of the event. The bank forwards the claim to the insurer. Claim is typically settled within 30 days.
Participating Scheduled Commercial Bank
Steps 1–4 — enrolment, premium debit, and confirmation
Acts as master policyholder on behalf of the insurer; processes enrolment forms, deducts premium, and assists with claims
LIC of India (PMJJBY) / Empanelled General Insurer (PMSBY)
Step 5 — claim settlement
Reviews claim documents forwarded by bank and approves or rejects the claim; transfers claim amount to nominee's account
Scheme details, enrolment form downloads, claim forms, and list of participating banks for PMJJBY and PMSBY
Opening a zero-balance Jan Dhan savings account if you do not yet have a bank account, which is required for enrolment
Both PMJJBY and PMSBY are renewed annually with auto-debit on 1 June (or anniversary date). If your account has insufficient balance on that date, the cover lapses. Ensure a minimum balance of ₹456 (₹436 + buffer) or ₹40 is available. Lapsed cover can be reinstated by paying arrears, subject to insurer's terms.
If you have multiple bank accounts, you can enrol PMJJBY or PMSBY through only one account per scheme. Duplicate enrolments are detected by the insurer and excess premiums are refunded, but claims may be affected.
If you close your account and move to another bank, you must re-enrol in the new bank. The prior year's cover may be at risk. Always enrol in the new bank before closing the old account.
Claims are settled to the registered nominee. If the nominee predeceases the insured or nominee details are incorrect, the claim process becomes complex. Update nominee details whenever life circumstances change.
PMJJBY has a 30-day waiting period from the date of enrolment. Deaths occurring within the first 30 days are not covered except in case of accidental death. Plan accordingly when enrolling.