Punjab National Bank

PNB PMJJBY Scheme 2026 Life Insurance Cover Rules and Apply Online

Sarkari Yojana 2026

Sarkari AlarmSabse Pehle Update

PNB PMJJBY Scheme 2026 Life Insurance Cover Rules and Apply Online

Name Of Post :	PNB PMJJBY Scheme 2026 Life Insurance Cover Rules and Apply Online
Organization :	Punjab National Bank (PNB)
Post Date / Update :	08 August 2026\| Update: 13 August 2026
Post Type :	Sarkari Yojana 2026
Total Post :	N/A
Short Information :	Punjab National Bank (PNB) provides life insurance coverage under the Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) revised rules. Eligible bank account holders aged 18 to 50 years can enroll to get life cover of Rs. 2 Lakh at an annual premium of Rs. 436. Candidates should read the official notification and scheme guidelines for complete details on enrolment and terms.

Punjab National Bank (PNB) aur anya participating banks tatha Post Office ke madhyam se Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) ke revised rules lagu kiye gaye hain. Yeh ek government backed life insurance scheme hai jiska mukhya uddeshya aam janta ko behad kam premium par life cover provide karna hai. Is yojana ke antargat beema dharak ki kisi bhi karan se mrityu hone par nominee ko aarthik sahayata di jaati hai. Desh ke sabhi nagrik jinka PNB ya kisi bhi participating bank ya post office me saving account hai, ve is yojana me aasaani se register kar sakte hain. Yojana ke naye niyam 1 June 2022 se lagu hain.

Is scheme ke antargat total insurance cover Rs. 2,00,000 (2 Lakh Rupaye) ka milta hai jo member ki kisi bhi karan se death hone par valid hota hai. Yeh cover pure 1 saal ke liye valid hota hai jo har saal 1 June se agle saal 31 May tak chalta hai. Is yojana me kisi tarah ki koi vacancy ya seat limit nahi hoti hai balki sabhi patra khatedarak isme shamil ho sakte hain. Scheme ko Life Insurance Corporation of India (LIC) aur anya authorized life insurance companies dwara banks aur post offices ke sath milkar chalaya jata hai. Agar aapke paas bank account hai toh aap bina kisi pareshani ke is suraksha cover ka labh le sakte hain.

Pradhan Mantri Jeevan Jyoti Bima Yojana me aavedan karne ke liye category ka koi bhedbhav nahi hai, chahe aap General, OBC, SC, ST, ya EWS kisi bhi varg se aate hon, sabhi ke liye barabar niyam hain. Bank account holders ko kewal apna consent form bharna hota hai aur auto-debit facility ko enable karna hota hai. Yadi kisi vyakti ke alag-alag banks me ek se zyada account hain, tab bhi vah kewal ek hi bank account se PMJJBY yojana ka labh le sakta hai. Ek se adhik accounts se judne par bhi maximum life insurance cover kewal 2 lakh rupaye tak hi seemit rahega aur extra premium forfeit kar liya jayega.

Important dates ki baat karo toh PMJJBY ka insurance cover period har varsh 1st June se 31st May tak hota hai. Regular renewal ke liye khatedarak ko 31st May se pehle auto-debit consent form jama karna hota hai jisme account se premium 25 May se 1 June ke beech deduct hota hai. Agar koi vyakti saal ke beech me join karta hai toh uske liye delayed enrolment ki suvidha bhi available hai. Participating banks dwara insurance companies ko premium har saal 30 June tak ya enrolment wale mahine me bheja jata hai. Bank khate me paryapt balance hona zaroori hai taaki samay par premium cut sake aur policy continuous chalti rahe.

Age limit (Age Limit) ki baat karo toh is yojana me shamil hone ke liye applicant ki minimum aayu 18 saal aur maximum aayu 50 saal honi chahiye. Entry age 50 saal tak seemit hai lekin ek baar yojana se judne ke baad 55 saal ki aayu tak annual renewal ke sath life cover chalu rehta hai. 55 saal ki aayu poori hone par yeh insurance cover automatically terminate ho jata hai. Kisi bhi category ke liye age limit me alag se chhoot nahi hai kyunki yeh ek group term life insurance policy hai jisme age slabs sabhi ke liye nirdharit hain.

PMJJBY ka annual premium Rs. 436/- per annum nirdharit kiya gaya hai jo account se auto-debit ke jariye ek bar me kat-ta hai. Agar koi candidate saal ke beech me enrolment karta hai toh pro-rata premium system lagu hota hai. June, July aur August me enroll karne par pura annual premium 436 rupaye dena hota hai. September, October aur November me enroll karne par 3 quarters ka premium 342 rupaye lagta hai. December, January aur February me enrolment par 2 quarters ka premium 228 rupaye lagta hai, jabki March, April aur May me judne par kewal 1 quarter ka premium 114 rupaye auto-debit hota hai.

Educational qualification ki baat karo toh is scheme ke liye kisi bhi prakar ki padhai ya degree ki requirement nahi hai. Apply karne ke liye kewal participating bank ya Post Office me ek active Individual Savings Bank Account hona chahiye aur sath me valid KYC documents hone chahiye. Bank khate ke sath Aadhaar Card link hona primary requirement hai. Agar aapka account PNB me hai toh aap apni branch me jakar direct form jama kar sakte hain ya net banking/mobile banking se bhi online consent de sakte hain.

Is yojana me selection ya approval process behad simple hai aur isme koi written exam ya interview nahi hota hai. Sabse pehle khatedarak Consent-cum-Declaration form bharta hai aur auto-debit authorize karta hai. Bank dwara form verify hone aur account se premium amount deduct hone ke turant baad insurance cover start ho jata hai. Bank subscriber ko ek Acknowledgement Slip-cum-Certificate of Insurance issue karta hai jo scheme enrolment ka direct proof hota hai.

Lien period ke niyam ko samajhna bahut zaroori hai jiske anusaar enrolment date se lekar pehle 30 din ka lien period lagu hota hai. Is pehle 30 dino ke dauran yadi beema dharak ki death kisi normal karan ya bimari se hoti hai toh koi claim payable nahi hoga. Halanki yadi mrityu accident ke karan hoti hai toh lien period lagu nahi hoga aur pura 2 lakh rupaye ka claim nominee ko diya jayega. Yeh rule naye members aur scheme chhodkar dobara re-join karne wale sabhi subscribers par lagu hota hai.

📅 Important Dates

Annual Insurance Cover Period	1st June to 31st May (Every Year)
Annual Renewal Auto-Debit Period	Between 25th May and 1st June
Bank Premium Remittance to Insurer	On or before 30th June every year
Lien Period	30 Days from date of enrolment

💳 Application Fee

Full Annual Premium (June, July & August)	₹436/-
Pro-rata Premium (September, October & November)	₹342/- (3 Quarters @ ₹114)
Pro-rata Premium (December, January & February)	₹228/- (2 Quarters @ ₹114)
Pro-rata Premium (March, April & May)	₹114/- (1 Quarter @ ₹114)
Payment Mode	Auto-debit from designated Savings Bank / Post Office Account
General / OBC / EWS	N/A
SC / ST	N/A
PH / PWD	N/A

🎂 Age Limit

Minimum Age (Entry)	18 Years
Maximum Age (Entry)	50 Years
Maximum Coverage Age (With Renewal)	Up to 55 Years
Age Relaxation	Niyam ke hisaab se (notification dekho)

✅ Selection Process

Submission of Consent-cum-Declaration form by eligible account holder
Verification of KYC and Account details by Bank / Post Office
Successful auto-debit of applicable premium from savings account
Issuance of Acknowledgement Slip cum Certificate of Insurance

📊 PMJJBY Scheme Benefits Overview

Benefit Type	Coverage Amount	Eligibility / Event	Lien Period Condition
Life Insurance Cover	Rs. 2,00,000/- (2 Lakh)	Member's death due to any cause	No claim for non-accidental death in first 30 days; full claim for accidental death

📊 Eligibility Criteria Details

Parameter	Requirement Details
Account Requirement	Individual Savings Bank Account with PNB or any participating Bank / Post Office
Entry Age Limit	18 years completed to 50 years (age near birthday)
Max Coverage Age	Up to 55 years (subject to annual renewal)
Account Limit	Eligible to join through one bank / Post Office account only
Primary KYC	Aadhaar card linked with bank account

📊 Pro-Rata Premium Structure for Enrolment

Enrolment Quarter / Months	Quarters Covered	Pro-Rata Premium Amount
June, July & August	4 Quarters (Full Year)	Rs. 436/-
September, October & November	3 Quarters	Rs. 342/-
December, January & February	2 Quarters	Rs. 228/-
March, April & May	1 Quarter	Rs. 114/-

📊 Policy Termination Conditions

Condition No.	Reason for Termination of Insurance Cover
1	On attaining age of 55 years (annual renewal valid only up to 55th birthday)
2	Closure of account with Bank/Post Office or insufficient balance for auto-debit
3	Multiple account enrolment (cover restricted to max Rs. 2 Lakh; extra premium forfeited)

📄 Documents Required

Duly filled PMJJBY Consent-cum-Declaration Form
Aadhaar Card (Primary KYC document)
Savings Bank / Post Office Account Passbook or Account Details
Alternative KYC Proof (Voter ID / PAN Card / Driving License / MGNREGA Card / Passport - if Aadhaar not available)
Nominee Details (Name, Date of Birth, Address, Relationship, Guardian details if nominee is minor)
Active Mobile Number and Email ID (if available)

📝 How To Apply / Register for PMJJBY Scheme

Apne nazdiki Punjab National Bank (PNB) branch ya kisi bhi participating bank/Post Office branch me visit karo jahan aapka savings account hai.
Branch se Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) ka 'Consent-cum-Declaration Form' prapt karo ya official bank portal se download karo.
Form me apni sabhi personal details jaise Pura Naam, Pita/Pati ka Naam, Pata, Date of Birth, aur Mobile Number sahi-sahi bharo.
Apna Bank Account Number, IFSC Code, aur Aadhaar Number dhyanpurvak enter karo.
Nominee Details section me nominee ka naam, date of birth, relationship, address, aur agar nominee minor hai toh Guardian ka naam aur details darj karo.
Apne KYC document (Aadhaar Card/Voter ID/PAN Card) ki self-attested photocopy form ke sath attach karo.
Form me auto-debit consent par apna signature ya thumb impression lagayein.
Form ko bank officer ke paas jama karo aur pakka kar lo ki aapke account me premium amount ke barabar balance available ho.
Bank official se signed aur stamped 'Acknowledgement Slip cum Certificate of Insurance' prapt karke safe rakho.

🔗 Important Links

Check Scheme Details	Click Here
Official Website	www.pnbindia.in
Join WhatsApp Channel	Click Here
Join Telegram Channel	Click Here

❓ PNB PMJJBY Scheme 2026 Life Insurance Cover Rules and Apply — Important Questions

1. PMJJBY ke antargat kitna life insurance cover milta hai?

Is yojana ke antargat beema dharak ki kisi bhi karan se death hone par nominee ko Rs. 2,00,000 (2 Lakh Rupaye) ka life cover milta hai.

2. Pradhan Mantri Jeevan Jyoti Bima Yojana ke liye age limit kya hai?

Yojana me shamil hone ke liye khatedarak ki aayu 18 saal se 50 saal ke beech honi chahiye, aur renewal ke sath cover 55 saal tak chalta hai.

3. PMJJBY ka annual premium kitna hai aur kaise deduct hota hai?

Annual premium Rs. 436/- per annum hai jo har saal savings bank account se auto-debit ke madhyam se deduct hota hai.

4. Agar saal ke beech me enroll karo toh kitna premium lagega?

June-Aug me Rs. 436/-, Sept-Nov me Rs. 342/-, Dec-Feb me Rs. 228/-, aur March-May me Rs. 114/- pro-rata premium lagta hai.

5. PMJJBY me lien period kya hai?

Enrolment ke pehle 30 dino ka lien period hota hai jisme normal death par claim nahi milta, lekin accidental death par pura claim milta hai.

6. Kya ek vyakti multiple bank accounts se PMJJBY le sakta hai?

Nahi, ek vyakti kewal ek hi bank ya post office account se jud sakta hai. Multiple account se premium katne par bhi cover Rs. 2 Lakh hi rahega.

7. PMJJBY policy kab terminate hoti hai?

Member ke 55 saal ki aayu poori hone par, bank khata band hone par, ya account me premium balance na hone par cover terminate ho jata hai.

📌 Related Updates

Note: Apply karne ya result check karne se pehle official notification / website zaroor verify karein. Sarkari Alarm sirf jaankari provide karta hai — saare official links upar diye gaye hain.