Jharkhand: Pradhan Mantri Jeevan Jyoti Bima Yojana secures lives of deprived communities

IANS June 18, 2025 223 views

PMJJBY has become a lifeline for Jharkhand's tribal communities, offering affordable life insurance. Over 1.19 lakh people in Latehar district have enrolled, securing their families' futures. Beneficiaries like Pramila Devi credit the scheme for financial stability after losing loved ones. The Modi government's initiative continues to empower backward classes through accessible social security.

"We thank PM Modi for this scheme"—Pramila Devi, PMJJBY beneficiary in Latehar
Ranchi, June 17: Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), the insurance scheme launched during the first tenure of the Narendra Modi government, has brought immense improvement in the lives of socially and economically backward people in the country.

Key Points

1

PMJJBY offers Rs 2 lakh coverage for Rs 436 premium

2

Latehar district sees 1.19 lakh enrollments

3

Tribal families gain financial security

4

Bank Mitras drive rural outreach

Launched on May 9, 2015, the scheme is providing affordable life insurance to low-income groups at very low premiums. An insurance cover of Rs 2 lakh is given in case of any unforeseen event at an annual premium of just Rs 436.

The scheme has provided a secure future for the tribal dominated areas of Latehar district in Jharkhand. Many subscribers of the scheme have registered for the PMJJBY scheme here and are also benefiting from it.

With the help of Bank Mitras and village-level committees, this scheme has reached almost every village. Many locals spoke to IANS about the positive shift that this scheme brought into their lives.

Pramila Devi of Balumath block told IANS, “My husband and I had taken Jeevan Jyoti insurance. The deductible was Rs 436. My husband passed away after one year. It became very difficult for me to run the house and take care of the children. I got Rs 2 lakh under the scheme, which made it a little easier to run the house and take care of the children. We thank Prime Minister Narendra Modi for this scheme.”

Balumath Sakhi Mandal member Soni Devi said, “Pradhan Mantri Jeevan Jyoti Bima Yojana is not only providing security to backward classes but also giving them the confidence that the government is with them.”

Latehar's District Manager Rajiv Kumar Mandilwara informed that 1,19,488 people subscribed themselves for the PMJJBY, and the special thing is that people between 18 and 50 years of age are covered under the insurance.

“The annual insurance period is from June 1 to May 31. The premium is Rs 436. If a person associated with the scheme dies between the ages of 18 and 50, financial assistance is given to his family,” he informed.

Reader Comments

R
Rahul K.
This is truly a life-changing scheme for rural India. ₹436 per year is less than what many spend on tea in a month! The security it provides to families is priceless. More awareness campaigns needed in tribal areas though.
P
Priya M.
Heartwarming to see real impact stories like Pramila Devi's. But implementation needs improvement - my domestic help in Ranchi still doesn't know how to enroll despite being eligible. Banks should conduct more camps in villages.
A
Amit S.
Great initiative! 👏 But ₹2 lakh cover is too low in today's times. Should be increased to at least ₹5 lakh considering inflation. Still, better than nothing for our tribal brothers and sisters in Jharkhand.
S
Sunita T.
As someone from Jharkhand, I've seen how this scheme gives hope to families. Many daily wage workers now have some security. But claim settlement should be made faster - some families wait months for the money during their toughest time.
V
Vikram J.
Good scheme but why limit to 18-50 age group? Many poor people above 50 need this coverage more as they're more vulnerable. Government should consider expanding the age criteria.
N
Neha P.
The Bank Mitras and Sakhi Mandals are doing great work in making this scheme reach the last mile. Women helping women understand financial security is so important for rural empowerment! 💪 More power to them!

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Tags:
PMJJBY Narendra Modi Jharkhand tribal welfare insurance scheme Latehar