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PM Jan Dhan Yojana (PMJDY)
Zero-balance bank account with RuPay debit card and accident insurance for everyone without a bank account.
PM Jeevan Jyoti Bima Yojana (PMJJBY)
Ministry of Finance
Life insurance cover of ₹2 lakh for a very low annual premium, linked to your bank account.
🎁 Benefits
- Life cover of ₹2 lakh in case of death due to any reason
- Premium about ₹436 per year (check current rate)
✅ Who can apply
- Age 18 to 50 years with a savings bank account (cover continues until age 55)
- Auto-debit consent required
📎 Documents needed
- Aadhaar card
- Bank account details
- Nominee details
🧭 How to apply
- Visit your bank branch or use net banking / mobile banking
- Fill the enrolment form with auto-debit consent
- Premium is debited yearly in May-June
Related schemes
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PM Suraksha Bima Yojana (PMSBY)
Accidental death and disability insurance of up to ₹2 lakh for a premium of about ₹20 a year.
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Public Provident Fund (PPF)
Long-term tax-saving savings scheme. Amounts and rules change often; confirm on the official ministry portal before applying.