La plie paidbah ha ka 9 tarik u Jymmang 2015 da u Myntri Rangbahduh ka ri u Narendra Modi, ïa ki skhim Jansuraksha- ka Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), ka Pradhan Mantri Suraksha Bima Yojana (PMSBY), bad ka Atal Pension Yojana (APY) la thmu ban pyniar ia ka jingiada kaba jem dor ha ka liang ka pisa tyngka ia baroh, khamtam eh ia ki bynta jong ka imlang sahlang kiba duna ka jingioh jingshakri bad kiba kham don ha ka jingma. Kine ki skhim ba kongsan ki thmu ban pyniar ha kaba iadei bad ka insurance bad ka jinglong jingman ka bai bam tymmen da kaba iada ia ki nongshong shnong na ki jingbym thikna jong ka jingim bad ban kyntiew ia ka jingskhem ha ka liang ka pisa tyngka ha ka samoi kaba jrong.

Haba pyrkhat halor ki nongrim jong ki lai tylli ki skhim Jan Suraksha, ka Myntri Kam pla tyngka jong ka sorkar pdeng kaba dei peit ruh ia ki kam kompeni ka Nirmala Sitharaman ka la ong, “U Myntri Rangbahduh ba donburom u Narendra Modi u la plie paidbah ïa ki skhim Jan Suraksha kiba kynthup ïa ka PM Jeevan Jyoti Bima Yojana, PM Suraksha Bima Yojana bad ka Atal Pension Yojana ban ai ïa ka Insurance kaba duna ka jinglut bad ki jingmyntoi na ka bai bam tymmen.”

Da kaba kdew sha ki jingtip ha ka jingdap 11 snem jong ki Skhim Jan Suraksha, ka Sitharaman ka la ong ba palat 27 klur, 58 klur bad 9 klur ki jingpynrung kyrteng la pyndep hapoh ka PMJJBY, PMSBY & APY.

Halor ka skhim PMJJBY, ka Myntri Kam pla tyngka ka la ong ba kane ka skhim ka la dep siew ia ki jingkam kiba shongdor palat T. 21,500 klur na ka bynta palat 10.7 lak tylli ki longiing.

Hapoh ka skhim PMSBY, ka Sitharaman ka la ong ba kane ka skhim ka la dep siew ïa ki jingkam kiba shongdor haduh T.3,660 klur na ka bynta palat 1.84 lak tylli ki longïing.

“Haba ngi rakhe ia ka jingdap 11 snem jong ki skhim Jan Suraksha, ka jingsngewnguh kaba khraw ia baroh ki nongshim bynta, kynthup ia ki nongtrei jong ki bank bad ki kompeni insurance, kiba la wanrah ia ka jingjop jong ka skhim lyngba ka ka jingtrei shitom jong ki” la pynkut ka Sitharaman.

Ha kane ka sngi, u Myntri Khynnah ka sorkar pdeng ba dei khmih ia ka tnad kam pla tyngka, u Pankaj Chaudhary u la ong, “Ka jingthmu jong kine ki skhim ka long ban ai jingiada bad ka jingkyrshan bai bam tymmen na ka bynta ki briew kiba duk. Ka jingthmu ba kongsan jong ki skhim ka la long ka jingpynkylla digital bad ka jingpynsuk ia ka jingpynrung kyrteng bad ki jingkam. Ka jingplie online ia ka rynsan Jan Suraksha ka la plie lad ia ki nongshong shnong ban pynrung kyrteng da kaba suk khlem da hap leit sha ki tnad jong ki bank ne ki post ophis. Ka jingpynkylla digital ïa ka rukom ban kam ka la pynthikna ïa ki jingpynbeit kiba kham kloi, kaba plie lad ïa ka jingkyrshan ha ka por kaba biang na ka bynta ki longïing kiba donkam eh.”

Katba ngi dang rakhe ïa ka jingdap 11 snem jong ki lai tylli ki skhim jingïada ha ka imlang sahlang (Jan Suraksha) — ka Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), ka Pradhan Mantri Suraksha Bima Yojana (PMSBY) bad ka Atal Pension Yojana (APY), to ngin peit biang kumno kine ki skhim ki plie lad ban ioh ia ka insurance kaba jem dor bad ka jingshngain ia ki briew (Jan Suraksha), ki jingjop jong ki bad ki bynta ba kongsan.

1. Ka Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)

Ka Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) kadei kaba la saindur ban pynbiang Life Insurance na ka bynta ka jingiap na kano kano ka daw ha ka premium kaba duna ia ka T. 2 shi sngi.

Ka bynta ba kongsan jong ka skhim: Ka PMJJBY kadei ka jingpynbiang kaba shi snem, kaba lah ban pynthymmai na uwei u snem sha uwei pat. Ia ka skhim la tyrwa / pyniaid lyngba ka LIC bad kiwei kiwei ki kompeni Life Insurance kiba kwah ban tyrwa ia ka jingshakri katkum ki kyndon ba iasriem ryngkat bad ki jingmynjur kiba kongsan bad ki jingiateh bad ki Bank / Post office na ka bynta kane ka jingthmu. Ki bank/ post office kiba iashim bynta ki long kiba laitluid ban iatreilang bad kano kano ka kompeni life insurance ban pyntreikam ia ka skhim na ka bynta ki nongshim bynta jong ki.

Ki jingdonkam ban ioh bynta: Baroh kiba don account ha ki bank/ post ophis ba iashim bynta ha ka rta kaba 18 haduh 50 snem, kiba ai ia ka jingmynjur jong ki ban iasoh / ai jingbit ban khate dalade, ki don hok ban iasoh bad ka skhim. Ha kaba iadei bad ka  jingdon bun tylli ki bank / Post office account ha kawei lane ki bank/ Post office bapher bapher, u briew u lah ban iasoh bad ka skhim lyngba tang kawei ka bank/ Post office account.

Ka por pynrung kyrteng: Ka jingpynbiang kan long na ka bynta shisnem kaba sdang naduh ka 1 tarik u Jylliew haduh ka 31 tarik u Jymmang ia kaba don ka lad ban iasoh / khate dalade na ka bank / Post office account ba la buh kyrpang ha ki phorm ba la buh.

Ka Premium: T.436/- shisnem uwei u dkhot. Ia ka premium yn ot na ka bank / Post office jong uba don account lyngba ka ‘auto debit’ ha kawei ka bynta jong ka jingsiew, katkum ka lad ba la ai, ha ka por ba pynrung kyrteng hapoh ka skhim. Ka jingpynslem ban pynrung kyrteng na ka bynta ka jingïada kaba lah ban long da kaba siew ïa ka pro-rata premium kumba la batai harum;

1. Na ka bynta ban pynrung kyrteng ha u bnai Jylliew, Naitung bad Nailar – Dei ban siew pura ia ka Premium kaba hap siew man u snem kaba long T.436/-.

2. Na ka bynta ban pynrung kyrteng ha u bnai Nailur, Risaw, bad Naiwieng – dei ban siew ia ka pro rata premium kaba T. 342/-.

3. Na ka bynta ban pynrung kyrteng ha u bnai Nohprah, Kyllalyngkot bad Rymphang – dei ban siew ia ka pro rata premium kaba T. 228/-.

4. Na ka bynta ban pynrung kyrteng ha u bnai Lber, Iaiong bad Jymmang – dei ban siew ia ka pro rata premium kaba T. 114/-.

Ki jingmyntoi: T.2 lak dei ban siew ha ka jingiap na kano kano ka daw jong uba don bynta. Ka don ka por kaba 30 sngi shuwa ban treikam naduh ka tarik ba la pynrung kyrteng.

Ki jingjop: Haduh ka 29.04.2026, ki jingpynrung kyrteng hapoh ka PMJJBY ki la long palat ia ka 27.43 klur bad ka jingsiew baroh kaong T. 21,512.50 klur na ka bynta 10,75,625 tylli ki jingkam.

Haduh ka 29.04.2026, kane ka skhim ka la ïoh ia ka jingpynrung kyrteng haduh 12.72 klur ngut ki kynthei bad 8.09 klur ngut na kiba don ia ka account jong ka PMJDY.

Ka tyllong: Ki Bank bad ki Kompani Insurance na ka bynta ki jingpynrung kyrteng, ki Bank na ka bynta ki kynthei kiba dei ki nongïoh jingmyntoi bad kiba don ia ka account PMJDY

Tyllong: Ki Kompeni Insurance

2. Ka Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Ka Pradhan Mantri Suraksha Bima Yojana (PMSBY) kadei kaba la buh ryntih ban ai jingiarap na ka bynta ka jingiap ba jia ryngkhat bad ka jingduna ha ki dkhot met na ka bynta ka jingiap ne jingduna ha ki dkhot met na ka daw jong ka jingjia aksiden, haduh T 2 Lak sha ki briew kiba don hapdeng ka rta 18-70 snem, ha ka premium kaba rit kaba duna ia ka T. 2/- shibnai.

Ka bynta ba kongsan jong ka skhim: Ka PMSBY kadei ka jingpynbiang kaba shisnem, kaba lah ban pynthymmai na uwei u snem sha uwei pat. Ia ka skhim la tyrwa / pyniaid lyngba ki Public Sector General Insurance Company (PSGIC) bad kiwei kiwei ki kompeni Insurance kiba kwah ban ai ia ka jingshakri hapoh ki kyndon kiba iasriem ryngkat bad ki jingmynjur kiba donkam bad ban iateh bad ki Bank / Post office na ka bynta kane ka jingthmu. Ki bank / Post office kiba iashim bynta kin long kiba laitluid ban iatreilang bad kano kano ka kompeni insurance kaba kum kata ban pyntreikam ia ka skhim na ka bynta ki nongshim bynta jong ki.

Ki kyndon ban ioh: Baroh kiba don account ha ki bank/ post ophis shimet jong ki bank/ post ophis ba iashim bynta ha ka rta kaba 18 haduh 70 snem, kiba ai ia ka jingmynjur jong ki ban iasoh / plie lad ia ka auto-debit, ki don hok ban iasoh bad ha ka skhim. Ha ka jingdon bun tylli ki bank / Post office account ba la bat da u briew shimet ha kawei lane ki bank/ Post office bapher bapher, u briew u lah ban iasoh bad ka skhim lyngba tang kawei ka bank/ Post office account.

Ka por pynrung kyrteng: Ka jingpynbiang kan long na ka bynta shisnem kaba sdang naduh ka 1 tarik u Jylliew haduh ka 31 tarik u Jymmang ia kaba don ka lad ban iasoh / khate dalade na ka account ba la buh kyrpang jong ka bank / Post office ha ki phorm ba la buh.

Premium: T.20/- shisnem uwei u dkhot. Ia ka premium yn ot na ka bank / Post office jong uba don account lyngba ka ‘auto debit’ ha kawei ka bynta jong ka jingsiew, katkum ka lad ba la ai, ha ka por ba pynrung kyrteng hapoh ka skhim.

Ki Jingmyntoi: Katkum ka table harum:

Ki Jingjop: Haduh ka 29.04.2026, ki jingpynrung kyrteng hapoh ka PMSBY ki la long palat ia ka 58.09 klur bad ka jingsiew baroh ka long. 3,667.52 klur na ka bynta 1,84,662 tylli ki jingkam.

Haduh ka 29.04.2026, kane ka skhim ka la ïoh ia ka jingpynrung kyrteng haduh 27.45 klur ngut ki kynthei bad 19.30 klur ngut na kiba don ia ka account PMJDY.

Tyllong: Ki Bank bad ki Kompani Insurance na ka bynta ki jingpynrung kyrteng, ki Bank na ka bynta ki kynthei kiba dei ki nongïoh jingmyntoi bad kiba don ia ka account PMJDY

Tyllong: Ki kompeni Insurance

3. Ka Atal Pension Yojana (APY)

La sdang ia ka Atal Pension Yojana (APY) ban wanrah ia ka rukom ai jingiada ia baroh ki nong India, khamtam ia kiba duk, kiba duna ka ioh ka kot bad ki nongtrei ha ki kam bym pat pynskhem. Kadei ka sienjam jong ka Sorkar ban pynbiang ia ka jingshngain ha ka liang ka pisa tyngka bad ban siew ia ki jingdonkam ba kyrkieh ha ki por ban wan na ka bynta ki briew kiba trei ha ki kam bym pat pynskhem. Ia ka APY la pyniaid da ka Pension Fund Regulatory and Development Authority (PFRDA) hapoh ka jingpyniaid ba pura jong ka National Pension System (NPS).

Ka jinglah ban ioh: Ka APY ka plie ia baroh kiba don bank account ha ka rta kaba 18 haduh 40 snem ki bym dei ki nongsiew income tax bad ki jingnoh synniang ki iapher, katkum ka jait bai bam tymmen ba la jied.

Ki jingmyntoi: Ki nongiashim bynta kin ioh ia ka bai bam tymmen ba la pynthikna kaba duna tam shibnai kaba long T. 1000 lane T. 2000 lane T. 3000 lane T. 4000 lane T. 5000 hadien ba la dap 60 snem ka rta, katkum ki jingnoh synniang jong u nongiashim bynta hadien ba u la iasoh bad ka skhim.

Ka Jingsiew ia ki jingmyntoi jong ka Skhim: Ka bai bam tymmen man ka bnai ka long kaba lah ban ioh da u nongshim bynta, bad hadien jong u sha ka lok jong u bad hadien ka jingiap jong ki, ia ka bai bam tymmen ba la kyllum lang, kumba la lum ha ka rta kaba 60 snem jong u nongshim bynta, yn sa pynphai biang sha uno uno u briew ba la jied da u nongiashim bynta.

Ha ka jingiap syndet jong u nongiashim bynta (ka jingiap shwa ka rta 60 snem), ka lok jong u nongiashim bynta ka lah ban bteng ia ka jingnoh synniang sha ka APY account jong u nongiashim bynta, na ka bynta ka por ba dang sah, haduh ba u nongiashim bynta ba shisha un da dap 60 snem ka rta.

Ka por ban ai jingsiew: Ki nongiashim bynta ki lah ban noh synniang sha ka APY man la u bnai/ man la ka lai bnai / man la ka shiteng snem.

Ka jingmih noh na ka Scheme: Ki nongiashim bynta ki lah ban mih noh da ka mon sngewbha na ka APY katkum ki katto katne ki kyndon, da kaba ot noh ia ka jingnoh synniang lang jong ka Sorkar bad ka jingsiew ia ka sut.

Ka jingiaid shaphrang jong ka skhim – Ki jingpynrung kyrteng ha ki lak:

Ki kynthei ki don kumba 49% na baroh kiba pynrung kyrteng hapoh ka Scheme

Ki jingjop: Haduh ka 30.04.2026, palat 9.04 klur ki briew ki la pynrung kyrteng ha kane ka skhim.

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