PNB Pradhan Mantri Suraksha Bima Yojana (PMSBY) 2026 Rules & Form

Name Of Post :	PNB Pradhan Mantri Suraksha Bima Yojana (PMSBY) 2026 Rules & Form
Organization :	Punjab National Bank (PNB)
Post Date / Update :	08 August 2026\| Update: 13 August 2026
Post Type :	Sarkari Yojana 2026
Total Post :	N/A
Short Information :	Punjab National Bank (PNB) has issued guidelines and enrollment details for the Pradhan Mantri Suraksha Bima Yojana (PMSBY). Eligible savings bank and post office account holders aged 18 to 70 years can enroll to get accidental insurance coverage up to ₹2 Lakh at an annual premium of ₹20. Read the official notification for complete details.

Punjab National Bank (PNB) aur anya participating banks tatha Post Office ke madhyam se Pradhan Mantri Suraksha Bima Yojana (PMSBY) ke naye niyam aur enrollment rules lagu kiye gaye hain. Yeh scheme ek behad kifaayati accidental insurance policy hai jisme accidental death aur permanent disability par aarthik sahayata pradan ki jaati hai. Sarkar dwara chalayi ja rahi is scheme ka uddeshya aam janta ko matra 20 rupaye varshik premium par suraksha kavach available karana hai.

Is scheme ke antargat accidental death hone par ya dono aankhon ya dono haath/pair khone par kul Rs. 2 Lakh ka sum insured milta hai. Yadi accident me kisi ek aankh ki roshni ya ek haath/pair ka upayog hamesha ke liye chala jata hai, to aarthik sahayata ke roop me Rs. 1 Lakh ka sum insured pradan kiya jata hai. Is yojana me shamil hone par kisi bhi nagrik ko achanak aane wali durghatna ki sthiti me bima cover prapt hota hai.

Pradhan Mantri Suraksha Bima Yojana (PMSBY) ke liye kisi bhi participating bank ya Post Office me savings account holder hona zaroori hai. Candidate ki aayu 18 saal (completed) se 70 saal (nearest birthday) ke beech honi chahiye. Yadi kisi vyakti ke paas ek se adhik bank ya post office accounts hain, to bhi woh keval ek hi account ke zariye is scheme me shamil ho sakta hai.

Is yojana ka coverage period har saal 1st June se shuru hokar agle saal 31st May tak chalta hai. Auto-debit ke zariye premium har saal 31st May se pehle ya 1st June ko account se kaata jata hai. Yadi koi account holder saal ke beech me bhi is yojana se judna chahta hai, to woh full annual premium dekar enroll ho sakta hai aur risk cover auto-debit hone ki date se shuru hoga.

Age limit ki baat karo to minimum age 18 saal aur maximum age 70 saal tay ki gayi hai. Jaise hi account holder ki umar 70 saal poori hogi, yeh bima cover swatah samapt ho jayega. Account close hone ya account me paryapt balance na hone par bhi insurance cover terminate ho jata hai.

PMSBY ke antargat varshik premium matra Rs. 20/- per annum per member hai jo bank account se auto-debit ke madhyam se kaata jata hai. Enrollment form bharte samay account holder ko auto-debit consent dena hota hai jisse har saal May-June mahine me premium apne aap deduct ho jaye aur policy continuously renew hoti rahe.

Aavedan karne ke liye account holder ke paas Aadhar Card hona zaroori hai jo ki primary KYC document ke roop me maana jata hai. Iske alawa Voter ID Card (EPIC), MGNREGA Job Card, Driving License, PAN Card ya Passport ka upayog bhi pehchan patra ke roop me kiya ja sakta hai.

PMSBY ke tahat koi alag se selection process ya test nahi hota hai. Account holder ko keval Consent-cum-Declaration form bharkar apne bank branch ya post office me jama karna hota hai jisme nominee ka details aur auto-debit authorization shamil hota hai. Bank dwara auto-debit hone ke baad turant Acknowledgement Slip cum Certificate of Insurance issue kar diya jata hai.

Yojana ke antargat participating bank ya post office hi subscribers ki taraf se Master Policy Holder hote hain. Claim settlement process ko general insurance companies ke sath milkar behad aasan aur consumer-friendly banaya gaya hai taaki durghatna ki sthiti me nominee ko claim prapt karne me koi pareshani na ho.

📅 Important Dates

Annual Coverage Period Begins	1st June of every year
Annual Coverage Period Ends	31st May of every year
Premium Auto-Debit Period	Between 25th May and 1st June every year

💳 Application Fee

Annual Premium (All Categories)	₹20/- per annum per member (Auto-debit from Bank/Post Office Account)
General / OBC / EWS	N/A
SC / ST	N/A
PH / PWD	N/A
Payment Mode	Update Soon

🎂 Age Limit

Minimum Age	18 Years (Completed)
Maximum Age	70 Years (Age nearest birthday)
Age Relaxation	Niyam ke hisaab se (notification dekho)

✅ Selection Process

Submission of Consent-cum-Declaration Form at Bank / Post Office Branch
Verification of KYC and Account Details by Branch Officials
Auto-debit of ₹20 Annual Premium from Savings Account
Issuance of Acknowledgement Slip cum Certificate of Insurance

📊 PMSBY Benefits & Sum Insured Details

Benefit Type	Sum Insured Amount	Disability / Event Details	Eligibility
Accidental Death	Rs. 2,00,000/- (Rs. 2 Lakh)	Death on account of an accident	Account holders aged 18-70 years
Permanent Total Disability	Rs. 2,00,000/- (Rs. 2 Lakh)	Total and irrecoverable loss of both eyes or loss of use of both hands or feet or loss of sight of one eye and loss of use of hand or foot	Account holders aged 18-70 years
Permanent Partial Disability	Rs. 1,00,000/- (Rs. 1 Lakh)	Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot	Account holders aged 18-70 years

📊 PMSBY Scheme Eligibility Criteria

Category / Parameter	Requirement Details
Eligible Group	Individual Bank / Post Office Account Holders
Age Limit	18 to 70 Years
Primary KYC Document	Aadhaar Card
Account Limit	Only one Bank / Post Office account per individual
Consent Required	Auto-debit authorization for annual premium deduction

📊 Coverage & Policy Period Details

Feature	Details
Annual Coverage Period	1st June to 31st May (One-year renewable cover)
Premium Auto-Debit Due Date	On or before 31st May / 1st June every year
Risk Cover Start Date	From the date of auto-debit of premium from subscriber's account
Policy Termination	On attaining 70 years of age or closure/insufficient balance in account

📄 Documents Required

Aadhaar Card (Primary KYC)
Electoral Photo Identity Card (EPIC / Voter ID)
MGNREGA Card
Driving License
PAN Card
Passport
Bank / Post Office Account Passbook / Details

📝 How To Apply / Register for PMSBY Scheme

Apne us bank branch ya Post Office me jayein jahan aapka savings account hai.
Branch se Pradhan Mantri Suraksha Bima Yojana (PMSBY) ka Consent-cum-Declaration Form lo.
Form me apni basic details jaise Account Number, Naam, Date of Birth, Mobile Number aur Address bharo.
Nominee ka naam, aayu aur unke sath relationship dhyan se bharo (minor nominee hone par guardian ka naam likhein).
Primary KYC ke roop me apne Aadhar Card ya anya valid identity proof ki copy sath me attach karo.
Form par signature karke auto-debit authorization par consent do taaki har saal ₹20 premium deduct ho sake.
Bhara hua form branch officer ke paas submit karo aur wahan se Acknowledgement Slip cum Certificate of Insurance prapt karo.

🔗 Important Links

Check Scheme Details	Click Here
Official Website	www.pnbindia.in
Join WhatsApp Channel	Click Here
Join Telegram Channel	Click Here

Ye jaankari apne dosto tak pahuchao 👇

WhatsApp Telegram

❓ PNB Pradhan Mantri Suraksha Bima Yojana (PMSBY) 2026 Rules & — Important Questions

1. PMSBY scheme kya hai?

PMSBY ek sarkari accidental insurance scheme hai jisme durghatna me death ya permanent disability hone par aarthik sahayata milti hai.

2. PMSBY ke liye varshik premium kitna hai?

Is yojana ke antargat saal ka premium matra ₹20 per annum per member hai.

3. PMSBY ke liye age limit kya hai?

Is scheme me shamil hone ke liye aayu 18 saal se 70 saal ke beech honi chahiye.

4. PMSBY me kitna insurance cover milta hai?

Accidental death ya total permanent disability par ₹2 Lakh aur partial permanent disability par ₹1 Lakh milta hai.

5. Premium ka bhugtan kaise hota hai?

Premium rashi aapke savings bank ya post office account se auto-debit facility ke zariye har saal 1st June se pehle deduct hoti hai.

6. Kya multiple bank accounts se PMSBY le sakte hain?

Nahi, ek vyakti keval ek hi bank ya post office account ke madhyam se is scheme me shamil ho sakta hai.

📌 Related Updates

Note: Apply karne ya result check karne se pehle official notification / website zaroor verify karein. Sarkari Alarm sirf jaankari provide karta hai — saare official links upar diye gaye hain.