Social Security & PensionCentralMode: Bank Branch
PMJJBY & PMSBY: Affordable Life & Accidental Insurance (₹2 Lakh Cover)
पीएम जीवन ज्योति एवं सुरक्षा बीमा योजना (₹2 लाख सुरक्षा कवच)
Nodal Authority: Department of Financial Services, Ministry of Finance
Jan Suraksha schemes deliver micro-insurance protection to rural farming households, providing ₹4 Lakhs of cumulative safety coverage for less than ₹1.25 per day.
Max Subsidy Cap
₹2,00,000 payout to nominee on death or permanent disability
Small/Marginal Share
₹2 Lakh cover for just ₹456 total annual premium (~₹1.25 per day)
Funding Pattern
100% Central : 0% State
Toll-Free Helpline
1800-180-1111
Subsidy Slabs by Farmer Category
| Farmer Social Category | Government Subsidy Share |
|---|---|
| Small & Marginal Farmers (< 2 Hectares) | ₹2 Lakh cover for just ₹456 total annual premium (~₹1.25 per day) |
| Women Farmers | Identical low-cost coverage |
| Scheduled Caste (SC) & Scheduled Tribe (ST) | Identical low-cost coverage |
| General / Large Farmers (> 2 Hectares) | Available to all bank account holders aged 18 to 50 (PMJJBY) and 18 to 70 (PMSBY) |
Mandatory Eligibility Requirements
- PMJJBY: Bank account holders aged 18 to 50 years.
- PMSBY: Bank account holders aged 18 to 70 years.
- Must give auto-debit consent for annual premium deduction.
Step-by-Step Application Process
- 1Activate auto-debit via mobile banking app (YONO SBI, Baroda M-Connect, HDFC NetBanking) or submit consent slip at bank branch.
- 2Premium of ₹436 (PMJJBY) and ₹20 (PMSBY) is debited every May 31st.
- 3In case of claim, nominee submits claim form, death certificate, and FIR/post-mortem (for accident) to the bank branch.
Required Documents Checklist
Aadhaar card
Bank passbook and nominee KYC details
Direct Application Link
Jan Suraksha National Portal
Submit your application directly through the authorized government portal:
Open Official PortalFarmer Helpline: 1800-180-1111
Top Farmer Benefits
- Instant financial support for farm families during tragic accidental demise or natural death.
- Hassle-free automated yearly renewal from savings account in May.
Other Social Security & Pension Schemes
Check Your Complete State Entitlements
Enter your landholding acreage to match all eligible state and central agricultural subsidies.
Open Subsidy MatcherFAQ
Frequently asked questions
₹2,00,000 life insurance cover (PMJJBY @ ₹436/yr) and ₹2,00,000 accidental death/disability cover (PMSBY @ ₹20/yr). Specifically, small & marginal farmers receive ₹2 Lakh cover for just ₹456 total annual premium (~₹1.25 per day), while women and SC/ST farmers receive Identical low-cost coverage. The maximum assistance is capped at ₹2,00,000 payout to nominee on death or permanent disability.
Applicants must submit: Aadhaar card, Bank passbook and nominee KYC details. All documents must be clearly scanned and linked to your active Aadhaar-seeded bank account.
You can apply directly through Jan Suraksha National Portal (https://jansuraksha.gov.in) or visit your local Common Service Center (CSC / VLE). Follow the step-by-step procedure: (1) Register with Aadhaar, (2) Upload land records and quotations, (3) Receive pre-sanction, and (4) Complete geotagged verification.
Key qualifying conditions include: PMJJBY: Bank account holders aged 18 to 50 years.; PMSBY: Bank account holders aged 18 to 70 years.; Must give auto-debit consent for annual premium deduction..