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Pradhan Mantri Suraksha Bima Yojana (PMSBY): 2026 Guide to Eligibility, Benefits & Application

Complete 2026 guide to Pradhan Mantri Suraksha Bima Yojana (PMSBY). Learn eligibility requirements, benefit amounts, required documents, and how to apply on official portals.

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Official Guide and Eligibility Framework for Pradhan Mantri Suraksha Bima Yojana (PMSBY) — Financial empowerment, micro-enterprise loans, and direct cash benefits
🇮🇳India
Government Scheme
Verified Editorial Visual
Editorial overview visual for Pradhan Mantri Suraksha Bima Yojana (PMSBY). Verified against official sovereign gazette rules.Source: Civic Benefits Media Repository • EDITORIAL_VERIFIED

PMSBY Core Attributes

What Is PMSBY?

Pradhan Mantri Suraksha Bima Yojana (PMSBY) is a government-backed accident insurance scheme offering high-coverage accident protection to all bank and post office account holders aged 18 to 70 years. At an ultra-affordable premium of just ₹20 per annum auto-debited from the account, it provides ₹2 Lakh in the event of accidental death or permanent total disability. Administered under statutory authority by Department of Financial Services (DFS), Ministry of Finance, this program is designed to provide structured, predictable assistance to qualifying citizens and residents. Beneficiaries meeting all published eligibility criteria have an administrative right to receive designated services, financial allowances, or subsidies without arbitrary bias.

Statutory Benefits & Assistance Schedule

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Benefit ProvisionCategoryFrequencyStatutory AllotmentConditions & Limits
Accidental Death CoverAccident InsuranceOne-Time Claim Settlement₹2,00,000 paid to designated nomineeOfficial Government Grant
Total Irrecoverable Loss of Both Eyes/Hands/FeetDisability InsuranceOne-Time Claim Settlement₹2,00,000Official Government Grant
Total Loss of One Eye/Hand/FootPartial Disability InsuranceOne-Time Claim Settlement₹1,00,000Official Government Grant

Official Eligibility Requirements

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FactorRule / RequirementThresholdStatusAuthoritative Source
Age RangeAge Range must satisfy: 18 to 70 years of ageVerifiedMandatoryVerified Government Assessment
Bank AccountBank Account must satisfy: Holds an active savings bank or post office account with auto-debit consentVerifiedMandatoryVerified Government Assessment
Aadhaar CardAadhaar Card must satisfy: Aadhaar is the primary KYC document for the bank accountVerifiedMandatoryVerified Government Assessment

How to Apply: Step-by-Step Procedure

1

Submit Consent Form to Bank

Visit your bank branch, log into net banking, or send an SMS consent for PMSBY enrollment.

2

Automatic Premium Deduction

₹20 is debited automatically every year between May 25 and May 31.

Apply on Official Government Portal

Required Verification & Evidence Checklist

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* Note: The readiness meter indicates document organization completeness and does not guarantee official approval.

Frequently Asked Questions About PMSBY

The cover is for one year from June 1 to May 31, renewed automatically each year via bank auto-debit.

Official Government Citations & Portals

Type: OFFICIAL_PORTAL
Verified: 2026 Official Gazette
Independent Civic Platform Transparency Notice

Yojana Eligibility is an independent civic discovery platform and is not operated by, affiliated with, or endorsed by Department of Financial Services (DFS), Ministry of Finance or the government of India. All eligibility information and calculators provided are for informational guidance. Statutory eligibility determination and benefits disbursements are executed exclusively by the responsible sovereign authority upon formal application review.

Official Gateway Actions

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