Central
₹2L cover, ₹20/year
PM Suraksha Bima Yojana
Accident-only insurance cover of ₹2 lakh for just ₹20/year premium.
Central Government Scheme
· Active · Bikaner
Pradhan Mantri Jeevan Jyoti
Bima Yojana (PMJJBY)
PMJJBY is a one-year renewable term life insurance scheme offering ₹2 lakh cover for death due to any cause, at an annual premium of just ₹436, available to any bank account holder aged 18-50. Apply now in Bikaner with expert guidance from Varahii Consultancy.
Premium: ₹436 per year
Cover Amount: ₹2 lakh
Entry Age: 18 to 50 years
Coverage Continues Till: Age 55
Status: Active
City: Bikaner
₹2 L
Life Cover
₹436 /yr
Annual Premium
27.16 Cr
Enrolments (FY26)
18-50
Entry Age Range
What is Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)?
PMJJBY is a one-year renewable term life insurance scheme offering ₹2 lakh cover for death due to any cause, at an annual premium of just ₹436, available to any bank account holder aged 18-50.
Getting Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) sanctioned in Bikaner is rarely about eligibility alone — documentation accuracy and follow-up matter just as much. We handle that end-to-end in Bikaner.
Objective: To extend affordable life insurance coverage to all Indians, particularly those without access to formal insurance products.
Who is this for in Bikaner?
Any individual with a savings bank account, aged 18-50
Particularly suited to those without access to formal life insurance products
Eligibility Criteria – Bikaner
To apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Bikaner, applicants must meet the following conditions:
Age: 18 to 50 years at the time of enrollment; coverage continues until age 55
Bank Account: Must hold a savings bank account and provide consent for auto-debit of the annual premium
No Medical Test: No medical examination required at enrollment — only a simple health declaration
Not Eligible: Individuals outside the 18-50 age band for new enrollment, Accounts without sufficient balance for the auto-debit premium (coverage lapses if debit fails)
Who is NOT Eligible
Individuals outside the 18-50 age band for new enrollment
Accounts without sufficient balance for the auto-debit premium (coverage lapses if debit fails)
Benefits for Bikaner Applicants
Eligible applicants Bikaner can receive the following benefits under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY):
| Benefit | Details |
|---|---|
| Death Cover | ₹2 lakh paid to the nominee on the subscriber's death due to any cause — accident, illness, or natural death |
| Premium | ₹436 per year, auto-debited from the linked bank account |
| Simplified Enrollment | No paperwork beyond a simple consent and health declaration form; processed through banks and post offices |
| Renewal | Automatically renews each year on payment of premium, until age 55 |
Documents Required
Keep the following documents ready before applying Bikaner. Having them prepared speeds up approval significantly.
Savings bank account details
Aadhaar card
Nominee details
Health declaration (self-certified, no medical test)
Pro tip: Register on Udyam Portal before applying. It strengthens your application and may unlock additional MSME benefits.
How to Apply in Bikaner
Follow these steps to apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Bikaner:
Whether you're a first-time applicant or reapplying after a previous rejection, our team in Bikaner can guide you through every step of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) — from checking the latest eligibility criteria to preparing documents in the exact format the sanctioning authority expects.
1
Visit your bank or post office
Approach your bank branch, post office, or use net/mobile banking if your bank supports digital PMJJBY enrollment.
2
Submit the consent form
Fill in basic personal details, nominee information, and a simple health declaration.
3
Authorize auto-debit
Give consent for the ₹436 annual premium to be auto-debited from your savings account each year around 1 June.
4
Receive policy confirmation
Once processed, you'll receive confirmation of your ₹2 lakh life cover.
Online Portal: You can apply directly at https://www.jansuraksha.gov.in. Varahii's consultants can guide you through every step.
Coverage & Limits
| Parameter | Details |
|---|---|
| Policy Type | One-year renewable group term life insurance (non-linked, non-participating) |
| Coverage Period | 1 June to 31 May each year |
| Claim Process | Nominee submits a claim to the bank branch with the death certificate within the prescribed timeframe |
Applying for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) in Bikaner
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is available to entrepreneurs and individuals across Bikaner. Whether you are based in the urban core or surrounding areas of Bikaner, you can approach any participating bank, NBFC, or Microfinance Institution to begin your application.
Varahii Consultancy has helped hundreds of applicants Bikaner successfully complete their Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) applications — from document preparation to follow-up with the sanctioning authority.
Varahii in Bikaner: Our local advisors understand the specific requirements of Bikaner branches and can help you choose the right lender or government office for faster processing.
Industry & Entrepreneurship Landscape in Bikaner
Bikaner's small-business economy is shaped in large part by handicrafts, textiles, gems and jewellery, and agro-based industries, sectors that account for a significant share of local MSME and entrepreneurial activity. Rajasthan consistently ranks among the top five states for MSME registrations, with handicraft and textile units forming the backbone of its small-enterprise economy.
Among individual entrepreneurs in Bikaner, current trends show steady growth in artisan-led and family-run micro-enterprises seeking formal recognition. This shift is directly relevant to Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) applicants, since lenders and sanctioning authorities increasingly favour Udyam-registered, formally documented businesses when reviewing applications.
Banking & credit access in Bikaner: Applicants typically work with SBI, Bank of Baroda, and a dense network of regional rural banks when applying for government-linked schemes, alongside NBFCs and microfinance institutions for smaller ticket sizes.
Why Varahii Is Among the Best Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) Consultants in Bikaner
Choosing the right consultant for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) in Bikaner can be the difference between a smooth approval and months of avoidable delay. Varahii Consultancy has built a reputation in Bikaner and across India for handling government scheme and MSME loan applications end-to-end — not just advising, but actively preparing documentation, tracking application status, and following up with the relevant department or bank until a decision is reached.
Specialised, up-to-date knowledge of Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) eligibility and documentation requirements in Bikaner
End-to-end application support — not just advice — from document prep to final follow-up
Familiarity with local banks, NBFCs, and government offices in Bikaner
Transparent process with no hidden fees and a free initial eligibility check
Varahii in Bikaner: If you're evaluating Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) options in Bikaner, our consultants can give you a realistic eligibility assessment before you commit any paperwork — most consultations start with a free review of your specific situation.
Important Dates
| Milestone | Date / Status |
|---|---|
| Scheme Launched | 9 May 2015 |
| Cumulative Progress | 27.16 crore gross enrolments in FY26 (April 2025-March 2026) |
Contact & Support
| Channel | Details |
|---|---|
| Administered Via | Banks and post offices, underwritten by LIC and other empanelled insurers |
| Portal | jansuraksha.gov.in |
Frequently Asked Questions
₹436 per year, auto-debited from your linked savings bank account.
It pays ₹2 lakh to your nominee if you die due to any cause — accident, illness, or natural death — making it broader than accident-only insurance.
No medical examination is required; only a simple self-declared health consent form is needed at enrollment.
You can enroll between ages 18-50, and the cover continues with annual renewal until you turn 55.
PMJJBY covers death from any cause (illness, natural death, accident) for ₹436/year, while PMSBY only covers accidental death/disability for a much lower ₹20/year.
Related topics: life insurance term insurance PMJJBY Jan Suraksha social security Bikaner
Ready to Apply for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) in Bikaner?
Varahii's verified consultants handle everything — eligibility check, document preparation, application filing, and follow-up with Bikaner authorities. 100% free initial consultation.