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A. Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY)

Risk coverage under this scheme is for Rs. 2 Lakh in case of death of the insured, due to any reason

Key features

  • Entry age – 18 to 50 years
  • Annual premium-Rs.436/-
  • Life insurance cover of Rs.2,00,000/-
  • Cover period : One year starting from 01st June to 31st May
  • Renewal with Auto debit

Delayed enrolment for prospective cover is also possible with payment of pro-rata premium as described below.

Pro-rata premium based on Date of Entry

S No. Enrolment period Premium type Revised Premium
1June, July, August (Full Annual premium) Full Annual premium Rs.436/-
2September, October, November Pro rata premium Rs.342/-
3December, January, February Pro rata premium Rs.228/-
4March, April, May Pro rata premium Rs.114/-


The scheme is a one-year cover term life insurance scheme, renewable from year to year, offering life insurance cover for death due to any cause.

B. Pradhan Mantri Suraksha Bima Yojana(PMSBY)

The risk coverage under the scheme is Rs.2 lakh for accidental death & full disability and Rs. 1 lakh for partial disability.

  • Entry age 18 to 70 years
  • Annual premium- Rs.20/-
  • Accidental insurance cover of Rs.2,00,000/-
  • Cover period : One year starting from 01st June to 31st May
  • Renewal with Auto debit


The scheme is a one year cover Personal Accident Insurance Scheme, renewable from year to year, offering protection against death or disability due to accident.

C. Atal Pension Yojana


Atal Pension Yojana a pension scheme for citizens of India is focused on unorganized sector workers, under the APY guaranteed minimum pension of Rs.1000/2000/3000/4000/5000 per month will be given at the age of sixty years depending on the contribution by the Subscribers any Citizen of India can join the scheme.

Details of Grievance redressal officer [GRO]
Mail ID : [email protected]
Contact no: 94910 41803

Atal Pension Yojana (APY) provides a defined pension, depending on the contribution, and its period. The APY will be focused on all citizens in the unorganized sector. APY administered by the Pension Fund Regulatory and Development Authority (PFRDA).

  • Entry age: 18 to 40 years
  • Fixed minimum pension of Rs. 1000-5000 per month starts at the age of 60 years
  • Fixed minimum pension would be guaranteed by the Government of India
  • If higher investment returns are received on the contributions of subscribers of APY, higher corpus would be paid
  • After demise of the subscriber, pension would be paid to his/her spouse
  • Corpus amount to be paid to the Legal heirs after demise of the subscriber & his/her spouse

PFRDA links