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How To Download The PMJJBY Certificate Online?

The PMJJBY scheme is a government-backed life insurance plan that offers term coverage at a low annual price. Once enrolled under this scheme, you can download your policy certificate from your participating bank's official website under the insurance section.

Life insurance plans can help protect your loved ones from life’s uncertainties and ensure their financial stability in your absence. This is why the Indian Government has introduced its own life insurance scheme to ensure that people of any income level can get life insurance. 

The Pradhan Mantri Jeevan Jyoti Bima Yojana, or PMJJBY scheme, is a cost-effective, pure term insurance policy that can be renewed yearly. It covers the insured's mortality and was first introduced in 2015. 

This blog explains where you can get this policy, how to download your PMJJBY certificate, and how to perform your PMJJBY status check online. We also discuss the regulations under which the policy operates so you have an in-depth view of how everything works. Read on to find out more!

What is the PMJJBY Scheme?: A Quick Glance



Plan Type

Life Insurance Plan

Master Policy Holder

Participating Banks/Post Offices

Entry Age

Minimum: 18 Years

Maximum: 50 Years

Policy Tenure 

1 year with yearly renewability up to 55 years.

Sum Assured

₹2 Lakhs

Coverage Period

June 1st to May 31st (1 Year)

Coverage Offered 

  • Coverage of the insured’s death due to any cause. This coverage will only be in effect after the first 30 days from policy commencement - with accidental death being the only exception.

  • No maturity or survival benefits. 


Death Benefit of ₹2 lakhs (sum assured)

Annual Premium 

₹436 per annum per member (Auto-debited from the insured’s bank account) 

PMJJBY Policy Certificate Download Online

The PMJJBY policy certificate download procedure may vary across banks, but the overall steps involved will be the same. 

Here are the general guidelines to follow to download your PMJJBY certificate online:

  1. Log into your bank account on your bank's official website and access the net banking facility.

  2. Navigate to the insurance section. This will be a tab at the top stating 'Insurance'.

  3. In the Insurance section, go to 'Social Security Scheme' and choose the ‘Pradhan Mantri Jeevan Jyoti Bima Yojana’ option under it.  

  4. Select the type of transaction you want to make. Most banks will ask you to select the product type or the service type for this. 

  5. Next, input your details to verify your identity. Depending on the bank, these details can be your name, date of birth, nominee, Aadhar number, bank name, account number, etc.

  6. After filling in your required details, check the 'Declaration of Good Health' check box and hit 'Submit'.

  7. After registering your PMJJBY certificate, you will be redirected to a confirmation page where you can download your PMJJBY certificate.

Where Can I Buy a PMJJBY Life Insurance Plan?

This government-backed life insurance scheme is offered/administered by LIC (Life Insurance Corporation of India) and other life insurance companies with the necessary approvals and tie-ups with specific banks or post offices. 

In other words, to subscribe to this scheme, you must have a savings account with a participating bank or post office, as they are considered the master policyholders. In case of claims, either you or your policy nominee must contact the bank and undergo the due process. 

This policy should not be confused with PMSBY, another government-backed insurance scheme.

Eligibility Criteria to Enrol and Download the PMJJBY Certificate

  • Age Limit: Anyone who wishes to apply for a PMJJBY policy must be within 18 - 50 years. 

  • Bank Account: Interested candidates must also have a savings account opened under the participating bank or post office and must give their consent to enable auto-debit under their account to subscribe to this scheme. 

  • Documents Required: Mandatory KYC documents like Aadhar card and other documents like your bank passbook, mobile number, etc., as requested by the bank or insurance company.   

  • Medical Checkup: The PMJJBY scheme does not require a medical examination for enrollment.

PMJJBY Registration Procedure

To get your Pradhan Mantri Jeevan Jyoti Bima Yojana certificate download, you must first register for this scheme through your bank. Here is the PMJJBY enrollment process:

  • Step 1: Check if Your Bank or Post Office Offers the PMJJBY Scheme

    Several banks do not offer this scheme, so always check with your financial institution to see if they provide this service before you consider applying.

  • Step 2: Log In to Your Savings Account 

    Go to your bank's official website and sign in to your account using your net banking login details. You can only enrol in this scheme if you have a savings account under the participating financial institution.

  • Step 3: Enrol for the PMJJBY Scheme

    • To enrol in the PMJJBY, navigate to the website's insurance section. This will often be a tab labelled 'Insurance' at the top of the page. 

    • Then, under a section called 'Social Services Programs' or 'Social Security Schemes', you will find 'Pradhan Mantri Jeevan Jyoti Bima Yojana'.

    • Register using your mobile number, net banking, or debit card, and enter the required details for registration to be sent for verification.  

  • Step 4: Link Your Bank Account to the PMJJBY Scheme

    Choose the bank account you want linked to the PMJJBY policy. The money from this account will be automatically deducted once a year through an auto-debit facility on policy renewal.

How To Raise A Claim Under the PMJJBY Life Insurance Plan?

  • Step 1: Notify the Bank and/or the Insurance Company 

    The policy nominee should notify the bank and/or the life insurance company regarding the insured's death and raise a claim under their PMJJBY policy. This can be done through a phone call or by emailing their customer care department.

  • Step 2: Present the Required Documents 

    The nominee must present the documents to the insurance company to process their claim. 

    Hence, the list of documents required is: 

    • Insured's death certificate.

    • Original PMJJBY certificate, downloaded from the bank’s website.

    •  Identity proof of the nominee/legal heir.

    • Bank account details of the nominee/legal heir.

    • Filled Discharge Form: The nominee/legal heir must sign the discharge form and get it attested by a bank manager or gazetted officer.

  • Step 3: Submitting the Claim

    Depending on your bank, you may have to submit these documents to them or the insurance provider directly. 

    • If it is to your bank, they will submit the claim on your behalf. 

    • If you submit them directly to the insurer, the documents must be submitted to the insurance company's nearest branch or uploaded onto their website.  

    In both cases, the policy claim must be submitted within 30 days of the insured's demise.

  • Step 4: Processing of Claim 

    The insurance company will process the claim application and verify the submitted documents. If the claim is approved, the claim amount/death benefit will be credited to the nominee's or legal heir's bank account.

Waiting Period for PMJJBY Claims

The waiting period for the PMJJBY scheme is 30 days from the date of policy commencement. This means the policy nominee can claim the death benefit only when the policyholder dies after the 30-day waiting period.

The waiting period applies to all policyholders, irrespective of the cause of death. The only instance this waiting period is waived is for accidental deaths. For all other cases, the waiting period is applicable even if the policyholder dies due to natural causes.

PMJJBY Status Check Online

Checking Your Policy Status  

  1. Log in to your bank account and go to the Insurance section of the website.

  2. Click on the PMJJBY option and enter your account number 

  3. Input your registration details and click Submit. 

  4. You will be shown the current status of your PMJJBY application.

  5. Alternatively, you can also contact your bank to request information on your PMJJBY policy. 

Checking Your PMJJBY Claim Status

  • Action to be Taken by the Nominee

    The policy nominee can claim the PMJJBY sum assured amount only after the insured's death. They must contact the bank and initiate the claims procedure by following the steps stated above. 

  • Action to be Taken by the Bank

    The bank will verify if the policy was in effect on the date of the insured's death. It will also verify the claims form and the nominee's details. 

    It will then submit documents like the claim form, death certificate, discharge receipt, and a copy of the nominee's cancelled cheque to the insurance company. 

    The bank must send the claim form to the insurance company within 30 days.

  • Action to be Taken by the Insurance Company

    The insurance company will verify the submitted documents. If the claim is admissible, it will check if the policy coverage is in effect. It will forward the same to the bank and obtain the necessary verification.

What is the Enrollment Period for PMJJBY?

The Indian government specifies a set time within which you must enrol for the PMJJBY scheme. This enrollment period lasts a month, from May 1st to May 31st of the year. This is done to ensure a structured approach to the registration process. 

You can also apply for this scheme after May. However, you will be required to pay for the premium on a pro-rata basis, depending on what time of the year you enrol.

PMJJBY Policy Pro-Rata Premiums for Delayed Enrollments


Premium payable

June, July, and August


September, October, and November


December, January, and February


March, April, and May


Features of the PMJJBY Life Insurance Plan: Key Takeaways

  • The PMJJBY life insurance plan premiums qualify for tax deductions under Section 80C of the Income Tax Act.

  • You can take a break from the program momentarily and then return, provided you have a current health certificate, a linked bank account, and pay the fees.

  • Upon the insured's death, the policy will pay the nominee a lump sum payment of ₹2 lakhs. This amount is fully tax-exempt. 

  • The policy's annual premium stays the same, ₹436, no matter your age.

  • The insurance premium will be automatically deducted from your bank account annually on renewal dates, so you never have to worry about forgetting to make payments.

  • The PMJJBY certificate can be downloaded online through your bank's website. Moreover, you can perform a PMJJBY status check online as well.


The PMJJBY scheme is a government-backed life insurance plan that can be purchased for as little as ₹436 annually (per person) regardless of age, so long as you are within 18 - 50 years. It can be renewed annually and is a cost-effective way to ensure your family stays protected. 

You can download the PMJJBY certificate online through your bank's official website by logging in to its net banking facility and providing the necessary details. Similarly, you can also check your policy status online.

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Tata AIA Life Insurance

A joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. (AIA),  Tata AIA Life Insurance  is one of the leading life insurance providers in India. We post everything you need to know about life insurance, tax savings and a variety of lateral topics such as savings and investments in this space. You can access and read a host of different blogs, articles and pages at the Tata AIA Life Insurance Knowledge Center or get in touch with us with any queries or questions!

View all posts by Tata AIA Life Insurance

Frequently Asked Questions (FAQs)

What is the difference between PMJJBY and PMSBY?

While the Indian government offers both of these insurance policies to Indian citizens, and both require a bank or savings account to be purchased, there are some key differences you must note. 




Plan Type

Term Life Insurance Plan

Accidental Death and Disability Insurance


Coverage for the insured’s death.

Coverage for accidental death and disability

Sum Assured 

₹2 lakhs for the insured’s death

₹2 lakhs for accidental death and total permanent disability 

₹1 lakh for partial disability

Annual Premium 



Tax Benefits

Under Section 80C of the Income Tax Act. 


What does the PMJJBY policy not cover?

Some key exclusions under the PMJJBY policy are:

  • Intoxication-induced suicide attempt.

  • Self-mutilation and/or suicide.

  • Death due to breaches of law, even if it is committed unintentionally.

How do I cancel my PMJJBY policy?

There are two main ways to cancel your PMJJBY policy:

  • Visit or contact your bank and request the PMJJBY premium yearly auto-debiting procedure be terminated. The coverage will be terminated if your premiums are not paid on time. 

  • Transfer all of the money from your linked savings account to an unlinked one. The auto-debit will not be processed as there is no money in the account, and the policy will be cancelled.

If I decide to exit the PMJJBY scheme, can I rejoin at a later point in time?

Yes, anyone who exits or cancels their scheme can rejoin at any point by paying the annual premium and submitting a self-declaration of good health.


Generic disclaimer 

  •  Insurance cover is available under the product.

  •  The products are underwritten by Tata AIA Life Insurance Company Ltd.

  • The plans are not a guaranteed issuance plan, and it will be subject to Company’s underwriting and acceptance.

  • For more details on risk factors, terms and conditions please read the sales brochure carefully before concluding a sale.

  • This blog is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. The information is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.

  • Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.

  • Every effort is made to ensure that all information contained in this blog is accurate at the date of publication, however, the Tata AIA Life shall not have any liability for any damages of any kind (including but not limited to errors and omissions) whatsoever relating to this material.

  • Other disclaimers
  •  Tax: *Income Tax benefits would be available as per the prevailing income tax laws, subject to fulfilment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere in this document. Please consult your own tax consultant to know the tax benefits available to you.

  • Guaranteed/Guarantee: 1Guaranteed Returns/Payouts depend on Plan Option, Policy Term, Premium Payment Term and Age at entry

  • #Riders are not mandatory and are available for a nominal extra cost. For more details on the benefits, premiums and exclusions under the riders please refer to the Rider Brochure or contact our Insurance Advisor or visit our nearest branch office.

  • Bonus: 2These bonuses are not guaranteed in nature. The Company may declare Cash Bonus rate annually in advance. The Cash Bonuses if declared, will be applicable provided all due premiums have been paid.

  • ULIP:



    • Past performance is not indicative of future performance.

    • All investments made by the Company are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.

    • Please make your own independent decision after consulting your financial or other professional advisor.

  • GST : @All Premiums, Charges, and interest payable under the policy are exclusive of applicable taxes, duties, surcharge, cesses or levies which will be entirely borne/ paid by the Policyholder, in addition to the payment of such Premium, charges or interest. Tata AIA Life shall have the right to claim, deduct, adjust and recover the amount of any applicable tax or imposition, levied by any statutory or administrative body, from the benefits payable under the Policy