Pradhan Mantri Jan-Dhan Yojna Overdraft upto Rs 5,000/- in PMJDY Accounts Modalities of Scheme Purpose General purpose loan to provide hassle free credit to low income group / underprivileged customers to meet their exigencies without insistence on security, purpose or end use of the credit. Eligibility (Individuals only) Nature of facility Period of Sanction Loan amount Security Interest rate Processing Fee Sanctioning authority Disbursement Documents a) BSBD accounts, which are operated satisfactorily for at least six months b) OD to be granted to the earning member of family, preferably women of the house. c) There should be regular credits under DBT/ DBTL scheme/other verifiable sources d) Account should be seeded with Aadhaar for avoiding duplicate benefit e) BSBD account holder should not be maintaining any other SB account with any Bank/branch to ensure compliance with RBI directives. f) Age of applicant between 18 years to 60 years (Not eligible: Minors, KCC/GCC borrowers, more than one member of the same family) Running OD facility in SB account 36 Months subject to annual review of account a) 4 times of Average monthly balance b) or, 50% of credit summations in account during the preceding 6 months c) or, Rs 5000/- whichever is lower (System will be enabled to provide report on eligible amount) Nil Not exceeding 2% above base rate Nil Branch Withdrawals through branch/bc/atm/pos Loan application-cum-undertaking Arrangement letter duly accepted by the Account Holder Inspection & follow up Inspection waived for all standard assets. All irregular accounts to be followed up closely. Other features Mobile Number of the borrower/family members to be kept on record Aadhaar number will remain seeded with NPCI during the period of loan. Move-out of Aadhaar for such accounts will be restricted by NPCI. SBOD account will become primary account to receive all subsidies/benefits. DBT should also be frozen to such accounts till the currency of loan. NPCI will provide repository of Aadhaar Seeding for SBOD to the Banks to verify any earlier seeding. Loan accounts will be subject to IRAC norms of RBI.
Loan Application-cum-undertaking for Overdraft in BSBD Accounts under PMJDY The Branch Manager, Date: Bank, Dear Sir, Sub: Overdraft limit in my Savings Account number: I hereby apply for Overdraft limit of Rs - (Rupees only) in my Savings Bank Account Number for meeting my emergency/family needs. 1. Name of the applicant: 2. Date of Birth: 3. Father s/husband s name: 4. Address: 5. Aadhaar No: Mobile Number 6. Source of Income: Annual Income 7. Existing liabilities of borrower, if any a) Our Bank b) Other Banks/Co-op credit society/others: 8. Particulars of family members: Name Relationship Whether dependent Annual Income (Rs) 9. I shall abide by the terms and conditions stipulated by the Bank in this regard. Further, I undertake that a) Details of family members who have availed Overdraft facility under PMJDY. b) Details of family members having KCC/GCC liability. c) Details of any other bank account of the PMJDY account holder in any other bank. d) I shall route all Government benefits/earnings through above said account. e) I hereby authorize the Bank to disclose all or any particulars or details or information relating to my loan accounts with the Bank, to any other financial institution, government or any agency (ies) as may be considered necessary or desirable by the Bank.
f) It will be in order for the bank to disqualify me from receiving any credit facilities from the Bank in case it is proved that the declaration of my outside borrowings made above contain misrepresentation of facts. g) I hereby declare that I have no borrowings/liabilities excepting those mentioned under item (7) as on the date of application. h) I hereby undertake to abide by the terms and conditions that the Bank may stipulate in sanction of this loan. i) I hereby declare that the particulars given above are true and correct to the best of my knowledge and belief. j) I hereby agree that in the event of breach of undertaking or terms and conditions subject to which overdraft facility has been sanctioned and /or any of the undertakings or information, the Bank at its sole discretion may discontinue the OD facility. k) I hereby undertake and agree to repay the outstanding together with interest, cost, charges, etc in the event of termination or discontinuation of the facility. Yours faithfully (Signature of Applicant) Place: ( For office use only) a) Aadhaar Number Seeded to the account: Yes/No b) Amount of Loan: i) 4 times of Average monthly balance Rs: ii) iii) 50% of credit summations in account during the preceding 6 months Loan Amt (Lower of item i or ii) subject to Maximum Rs 5000/- Rs: Rs: Sanctioned overdraft limit of Rs (Rupees ) for a period of 36 months subject to annual review. Branch official Date:
(To be notarized and stamped as per revenue act of the state) LIFE INSURANCE CORPORATION OF INDIA Annexure C2 P&GS unit : INDEMNITY BOND In consideration of the Life Insurance Corporation of India having agreed to pay (name of the Payees) (relationship with deceased) of (name of the deceased) the sum of Rupees due under the Pradhan Mantri Jan Dhan Yojana (PMJDY) in full and final settlement of death claim of ( Name of the deceased) under PMJDY, without requiring production of Probate or Letters of Administration or Succession Certificate granted to the estate of (name of the deceased), I/ We my/our Heirs, Executors and Administrators do hereby agree to keep the said Corporation harmless and indemnified from and against all claims against it on the part of any person or persons whomsoever and all damages, costs and expenses which the said Corporation may sustain or incur in consequence of any such claim or claims. Dated at this day of 20 1 2 3 4 Yours faithfully (Signature or thumb impression of Legal heirs) WITNESS by Official of Bank Signature Full name and Designation Seal 1. Declaration by the person submitting the indemnity (in case it is signed in a language different from that of the form) I hereby declare that I have fully explained the above contents to the person signing indemnity and I have truthfully recorded the answers given by him Declarant s Name and Address Signature of the Declarant I certify that the contents of the indemnity bond have been fully explained to me by (name, designation, occupation) Mr. / Mrs. and I have understood the significance of the contents of the form. Signature of claimant 2. In case the Claimant is illiterate his /her thumb impression should be attested by a person of standing whose identity can easily be established but unconnected with the Corporation and this declaration should be made by him. I hereby declare that I have fully explained the above contents of this indemnity bond to the Claimant in language and that the claimant has affixed the thumb impression above after fully understanding the contents thereof. Name and Address of the declarant: Signature of the Declarant
LIFE INSURANCE CORPORATION OF INDIA Annexure C1 OFFICE FORM OF APPLICATION TO DISPENSE WITH LEGAL EVIDENCE OF TITLE Pradhan Mantri Jan Dhan Yojana (PMJDY) life cover on the life of (name of the dceased) for Rs. 30000/- I (name of the Claimant) relation (relation with deceased) of the above named (name of deceased) do hereby solemnly declare that the above insured member of PMJDY died intestate and I request that legal evidence of title required in terms of the above policy be dispensed with and I hereby solemnly declare that the following statements are true to the best of my knowledge and belief: Full name, address and occupation of the deceased at the time of his death Religion of the deceased When and where did he die Has the deceased left any of the following relations, and if so, give their full names and ages Details Full name Age Son 1 2 3 4 Daughter 1 2 3 4 Widow or widows / widower Father Mother
If any of the aforesaid relations are minor, state with whom the minors are living and by whom they are being maintained: Whether there is any dispute between any of the relatives mentioned whether the deceased has left any will YES / NO YES / NO Dated at this day of 20 Witness by Bank Official Name Designation Address Signature of the Claimant* Seal of the Bank * (This form should be submitted by one of the legal heir who claims the money) 3. Declaration by the person submitting the form of application (in case form filled up is signed in a language different from that of the form) I hereby declare that I have fully explained the above questions to the nominee / Claimant and I have truthfully recorded the answers given by the nominee / claimant. Declarant s Name and Address Signature of the Declarant I certify that the contents of the form have been fully explained to me by (name, designation, occupation) Mr. / Mrs. and I have understood the significance of the contents of the form. Signature of the Claimant 4. In case the Claimant is illiterate his /her thumb impression should be attested by a person of standing whose identity can easily be established but unconnected with the Corporation and this declaration should be made by him. I hereby declare that I have fully explained the above questions and contents of this form to the Claimant in language and that the claimant has affixed the thumb impression above after fully understanding the contents thereof. Name and Address of the declarant: Signature of the Declarant
The Guidelines and Features of Life Cover under Pradhan Mantri Jan Dhan Yojana (PMJDY) Preamble The Hon ble Prime Minister in his Independence Day Speech on 15 th August, 2014 announced a comprehensive program of Financial Inclusion targeting the large number of people who are currently deprived of even rudimentary financial services. The Pradhan Mantri Jan Dhan Yojana (PMJDY) sets out to provide a basic Bank account to every family who till now had no account. The bank account comes with a RuPay debit card with a built-in accidental cover of Rs 1 lakh. During the launch of the PMJDY scheme on 28.08.14 in New Delhi, Hon ble Prime Minister announced a life cover of Rs. 30,000/- with the RuPay Card for all those who subscribe to a bank account for the first time during the period 15 th August, 2014 to 26 th January, 2015. This Rs. 30,000/- life insurance cover under Pradhan Mantri Jan Dhan Yojana, will give a life insurance cover on death of the life assured, due to any reason, to the deceased s family. The scheme aims to provide security to those families who cannot afford direct insurance, namely the urban poor and rural poor who are not covered under any social security scheme. Benefits The scheme provides for life cover of Rs. 30,000/- payable on death of the beneficiary due to any cause, subject to fulfillment of the following eligibility conditions: Basic Eligibility Conditions i. Person opening Bank account for the first time, with RuPay Card in addition, during the period from 15-08-14 to 26-01-15, or any additional period as may be extended further by Government of India. ii. The person should normally be head of the family or an earning member of the family and should be in the age group of 18 to 59 (i.e. person should be at least 18 years old, and should not have turned 60). In case the head of family is 60 years or more of age, the second earning person of the family in the above mentioned age group will be covered, subject to eligibility. Contd.2
: 2 : iii. Person must have a RuPay Card and Bio Metric Card linked to bank account or in process of being linked to bank account if not already there. iv. The account can be any bank account including a small account. v. For the coverage to be effective the above RuPay Card should be valid and in force. vi. Only one person in the family will be covered in the Bima Scheme and in case of the person having multiple cards / accounts the benefit will be allowed only under one card i.e. one person per family will get a single cover of Rs.30,000/-, subject to the eligibility conditions. vii. The life cover of Rs 30,000/- under the scheme will be initially for a period of 5 years, i.e. till the close of financial year 2019-20. Thereafter, the scheme will be reviewed and terms and condition of its continuation, including the issue of future payment of premium by the insured thereafter, would be suitably determined. Ineligible Categories i. Central Government and State Government employees (in service or retired) and their families. ii. iii. iv. Employees (in service or retired) of Public Sector Undertakings, Public Sector Banks, any entity owned by Central Government, any entity owned by a State Government or any entity jointly owned by the Central Government and any State Government, and their families. Persons whose income is taxable under I.T. Act 1961 or are filing the yearly Income Tax return or in whose case TDS is being deducted from the income, and their families. Persons who are included in the Aam Aadmi Bima Yojana covering 48 occupations defined under the Scheme, and their families. v. Otherwise eligible account holders, who have life cover on account of any other scheme of the Bank against the account, shall have to choose between the two schemes and derive benefit from only one. vi. All persons who do not fulfill the basic eligibility conditions of the scheme. Death benefit eligibility The nominee of the accountholder will be entitled to receive death benefit of Rs.30,000/- in case of the unfortunate death of the accountholder on account of any cause. Exit from Scheme: The person will exit the scheme on reaching age 60 i.e. on the day the person turns 60. Contd..3
: 3 : Claim Settlement a) The Claim amount of Rs.30,000/- is payable to the nominee(s) of the accountholder. The Risk cover will be provided to the person from his age of 18 (Completed) till he attains the age of 60 years completed i.e. eligibility will cease on turning 60 years and he will exit the scheme on the day the person turn 60. b) The claim settlement process will be decentralized to the Offices of LIC. The Process followed will be as follows: i. Claim papers will be collected by the District Branch / Nodal Branch of the concerned Bank and submitted to the Pension & Group Scheme Units of LIC for processing of Claims. ii. The Claim will be paid to the nominee who is the nominee in the Bank Account. iii. The Claim amount will be credited to Bank account of the nominee through APBS/NEFT.
भ रत य ज वन ब म नगम LIFE INSURANCE CORPORATION OF INDIA प रध न म त र जन धन य जन क तहत जन-धन ख़ त ध रक क लय र.30,000/- क ज वन ब म स र क द व नपट र ह त प र क रय - प र श PRADHAN MANTRI JAN DHAN YOJANA (PMJDY) ADDENDUM - PROCEDURE FOR CLAIM SETTLEMENT UNDER LIFE INSURANCE COVER OF Rs.30,000/- FOR PMJDY ACCOUNT HOLDER 1
LIFE COVER UNDER PRADHAN MANTRI JAN DHAN YOJANA (PMJDY) - MODIFICATIONS As per letter dated 20.04.2015 Ref: F.No. I-13016/01/2014-Ins.I, from Department of Financial Services, Ministry of Finance, Government of India, regarding the approvals / modifications in original terms and conditions laid down under the Life Cover under Pradhan Mantri Jan Dhan Yojana (PMJDY), modified terms and conditions are as under: 1. As per the guidelines and features of PMJDY, under para Ineligible Categories one ineligible category is mentioned as, Otherwise eligible account holders, who have life cover on account of any other scheme of the Bank against the account, shall have to choose between the two schemes and derive benefit from any one. Modifications :- It has been decided that coverage cannot be denied to the member under the PMJDY Scheme; if the member himself has paid the Insurance Premium in full or partially for availing any other Insurance Benefit linked with the same bank account. 2. In case of joint account of PMJDY, if primary account holder is ineligible for risk cover of Rs.30,000/- then whether the risk cover of Rs.30,000/- can be extended to the secondary account holder if he / she is satisfying the eligible conditions? Modifications :- It has been decided that in case of joint account under PMJDY, if primary account hodler is ineligible for risk cover of Rs.30,000/- then the risk cover of Rs.30,000/- should be extended to the secondary account holder provided if he / she satisfies the eligibility conditions for life cover. 3. Extension of Scheme : earlier the Scheme was opened for the period 15.08.2014 to 26.01.2015 Modifications :- It has been decided to extend the scheme upto 31.01.2015. 4. It may be possible that as on date of opening the account (accounts opened between 15 th August, 2014 to 25 th January, 2015), the account holder may not be 18 years of age but may be subsequently attaining age 18 years of age (between 16 th August 2014 to 26 th January, 2015). If member attains age of 18 years subsequently before 26.01.2015, whether he should be considered for Life Insurance coverage under Pradhan Mantri Jan Dhan Yojana (PMJDY) or not. Modifications: - It has been decided that if a minor opens an account between 15 th August 2014 to 26 th January 2015 then he should be considered eligible for Life Insurance Cover under PMJDY on attaining the age of 18 years within the then period from 15.08.2014 to 26.01.2015 (Now extended to 31.01.2015). 5. The following modifications in the basic eligibility conditions for life cover under PMJDY have been approved :- i) Original Condition:- Person opening bank account for the first time, with RuPay Card in addition, during the period from 15.08.2014 to 26.01.2015, or any additional period as may be extended further by Government of India. Revised elgibility condition: - Person opening Bank account having RuPay Card in addition, during the period from 15.08.2014 to 31.01.2015, or any additional period as may be extended further by Government of India. ii) Original Condition:- The peron should normally be head of the family or an earning member of the family and should be in the age group of 18 to 59 (i.e. person should be at least 18 years old, and 2
should not have turned 60). In case the head of family is 60 years or more of age, the second earning person of the family in the above mentioned age group will be covered, subject to eligibility. Revised elgibility condition:- The person should be a member of the family and should be in the age group of 18 to 59 (i.e. person should be at least 18 years old, and should not have turned 60) and meet all other conditions of eligibility like having a bank account etc. iii) Original Condition:- Person must have a RuPay Card and Bio-Metric Card linked to bank account or in process of being linked to bank account if not already there. Revised elgibility condition:- Person must have a RuPay Card and Bio-Metric Card linked to bank account or in process of being linked to bank account if not already there. However, no Claim should be denied due to this condition. vi) Original Condition:- Only one person in the family will be covered in the Bima Scheme and in case of the person having multiple cards / accounts the benefit will be allowed only under one card i.e. one person per family will get a single cover of Rs.30,000/-, subject to the eligibility conditions. Revised elgibility condition: - In case of a person having multiple cards / accounts, the benefit will be allowed only under one card i.e. one person will get a single cover of Rs.30,000/-, subject to the eligibility conditions. All other terms and conditions as well as procedures for settlement of Claims under PMJDY remain unaltered as per the original Claims procedure. 3
LIFE INSURANCE CORPORATION OF INDIA CENTRAL OFFICE, MUMBAI LIC/PMJDY/CLM/CS LIFE COVER OF RS 30,000/- UNDER PRADHAN MANTRI JAN DHAN YOJANA CLAIM FORM PART A (To be completed by the Nominee /Legal Heirs in case of Nomination not done) Particulars of Deceased Member: Name and Address of the deceased Member PMJDY Account No. Name and Address of Bank where PMJDY account was 1 opened 2. Aadhar Card Number / Biometric Card Number 3 Name of Father/ Husband of the deceased 4 Date of Death: 5 a) Whether deceased member was or any of his family member is: Employee of Central/State Government/Public Sector undertakings/public Sector Bank or any entity owned by Central Government or State Government or any entity jointly owned by Central Government and any State Government. b) Whether deceased member was or any of his family members is: Income-tax payee or whether TDS was deducted from his/her income?. c) Whether deceased member was or any of his family members were: covered under Aam Admi Bima Yojana?(AABY) 6 a)whether the deceased had any other Bank A/c under Pradhan Mantri Jan Dhan Yojana? If yes, Bank Account Number/s of all other Accounts under PMJDY b)whether the deceased had any other Bank A/c other than Pradhan Mantri Jan Dhan Yojana?If yes, Bank Account Number/s of all other Bank Accounts If yes, give details: If yes, give details: If yes, give details: Yes / No Yes / No Yes / No Yes / No If yes, Bank A/c No. 1. Bank A/C No 2. Yes / No If yes, Bank A/c No. 1. Bank A/C No 2. Particulars of the Nominee / Legal Heir/s in absence of Nominee 7 Name & Full address of Nominee / Legal heir/s in absence of Nomination : Telephone or Mobile Number Email address if available: 8 Relationship with the member 9 Aadhar Card / Biometric Card Number of the Nominee / Legal heir I hereby declare that the answers to all the above questions are true Witness by Bank Official with seal: in every respect Signature Name Address: Signature/Thumb Impression of Nominee / Legal Heir / Claimant) Annexure B PART A Place: Date: Nominee s / Legal heir s Aadhar linked account number and bank details. If account is not connected to Aadhar, details of other Bank account where proceeds of the claim are to be credited through NEFT. a)name and address of the Bank b) Account number of the nominee / Legal heir: c) IFSC code : (Enclosed photo copy of first page of Bank Passbook / cancelled cheque for verification)
List of documents to be submitted to the Branch of the Bank: 1. Attested* Death Certificate of the deceased member 2. Attested* Photocopy of Aadhar Card / Biometric Card of the deceased. 3. Attested* photocopy of Aadhar Card / Biometric Card of nominee / claimant. 4. Attested* photocopy of any one of the following age proof of deceased (a) Unique Identification Card (Aadhar Card) (b) Extract from Birth Register (c) Extract from School Certificate (d) Ration Card (e) Voter s list 5. Duly attested* photocopy of Bank Passbook of the deceased member 6. Attested* Photocopy of AABY membership certificate (if available) *Attestations by Nominee / Claimant is also acceptable. Declaration by the person filling in the form (in case form filled up is signed in a language different from that of the Claim form) I hereby declare that I have fully explained the above questions to the nominee / Claimant and I have truthfully recorded the answers given by the nominee / claimant. Declarant s Name and Address Signature of the Declarant I certify that the contents of the form and documents have been fully explained to me by (name, designation, occupation) Mr. / Mrs. and I have understood the significance of the contents of the claim form. Signature of the Nominee / Claimant In case the nominee / Claimant is illiterate his /her thumb impression should be attested by a person of standing whose identity can easily be established but unconnected with the Corporation and this declaration should be made by him. I hereby declare that I have fully explained the above questions and contents of this claim form to the nominee / Claimant in language and that the nominee / claimant has affixed the thumb impression above after fully understanding the contents thereof. Name and Address of the declarant: Signature of the Declarant PART C DISCHARGE RECEIPT FROM NOMINEE / LEGAL HEIRS CLAIMANT Without Prejudice I/We hereby acknowledge receipt from Life Insurance Corporation of India a sum of Rs. 30,000/- (Rupees Thirty Thousand Only) in full and final satisfaction and discharge of all our claims under the above PMJDBY Scheme on the life of member resident of Revenue Stamp Dated at this day of 20. Witnessed by Signature of Authorized Official of the Bank* Name of the Officer : Designation: Signature/Thumb Impression of Nominee/Legal Heirs/Claimant SEAL of the Bank* *where Pradhan Mantri Jan Dhan Account was opened
LIC/PMJDY/CLM/CS PART B To be completed by the Bank 1 Whether Member has opened the bank Account under Pradhan Mantri Jan Dhan Yojana (PMJDY) for the first time in the Bank Branch. Yes / No 2 PMJDY Bank Account Number: 3 Date of opening of the Bank Account: 4 Member s RuPay Card Number: Date of issue of RuPay Card: 5 Date of birth of the Deceased member 6 Name of the Nominee as per Bank Branch Records 7 Serial no of nomination in the Register of nomination as per bank records 8 In the absence of nomination, name of the Claimant / Legal Heir - who will fill up Form no C1 & C2 9 Whether this is a single claim on the life of the Account holder from the Bank Branch? Yes / No 10 Whether deceased member has availed any life cover on account of any other Insurance scheme of the Bank Yes / No against the account. If yes, give details such as whether the member himself has paid the Insurance Premium in full or partially for availing any other Insurance Benefit linked with the same bank account. In the absence of nomination or if the nominee pre-deceases the insured member or nominee is not spouse, child or parent then the Legal Heirs of the accountholder should submit Indemnity Bond to dispense with Legal Evidence of Title in the prescribed Format of LIC Seal Signature of Authorized Signatory of the Bank* Date: Place: Name of the Officer Designation of the Officer Telephone Number of the Bank Branch email address of Bank Branch------------------------------------ *where Pradhan Mantri Jan Dhan Account was opened.
भ रत य ज वन ब म ननगम LIFE INSURANCE CORPORATION OF INDIA प रध न म त र जन धन य जन क तहत जन-धन ख़ त ध रक क न य र.30,000/- क ज वन ब म स रक ष क द व ननपट र ह त प रक र य PRADHAN MANTRI JAN DHAN YOJANA (PMJDY) PROCEDUREFOR CLAIM SETTLEMENT UNDER LIFE INSURANCE COVER OF Rs.30,000/- FOR PMJDY ACCOUNT HOLDER 1
CLAIM PROCESSING PROCEDURE FOR BANKS UNDER PRADHAN MANTRI JAN DHAN YOJANA ववषय स च / CONTENTS A. Preamble B. Definitions C. Benefits under the Scheme D. Basic Eligibility Conditions E. Ineligible Categories F. Exit from Scheme G. Claim Settlement Procedure H. Procedure to be followed by Banks on receipt of Death Claim Intimation I. Procedure to be followed by LIC on receipt of claim intimation. J. List of Annexures 2
A. PREAMBLE PMJDY claim procedure The Hon ble Prime Minister in his Independence Day Speech on 15 th August, 2014 announced a comprehensive program of Financial Inclusion targeting the large number of people who are currently deprived of even rudimentary financial services. The PradhanMantri Jan DhanYojana (PMJDY) sets out to provide a basic Bank account to every family who till now had no account. The bank account comes with a RuPay debit card with a built-in accidental cover of Rs 1 lakh. During the launch of the PMJDY scheme on 28.08.14 in New Delhi, Hon ble Prime Minister announced a life cover of Rs. 30,000/- with the RuPay Card for all those who subscribe to a bank account for the first time during the period 15 th August, 2014 to 26 th January, 2015. This Rs. 30,000/- life insurance cover is called as Life Cover underpradhanmantri Jan DhanYojana, which will serve to give a life insurance cover on death of the life assured, due to any reason, to the deceased s family. The scheme aims to provide security to those families who cannot afford direct insurance, namely the urban poor and rural poor who are not covered under any social security scheme. B. DEFINITIONS PMJDY - PradhanMantri Jan DhanYojana HoF - Head of Family RuPay Card - Debit Card issued by Bank along with the BSBDA Account opened under PMJDY Aadhar Card - Bio-Metric Card issued by Unique Identification Authority of India (UIDAI) IT Act, 1961 - Income Tax Act, 1961, Government of India 3
AamAadmiBimaYojana - Social Security Scheme of Govt. of India, Ministry of (AABY) Finance which provides Life Insurance cover of Rs.30,000/- on death and Rs.75,000/- on Accidental Death apart from Permanent and Partial Disability Benefits. 48 Occupations of AABY - AABY Life Risk cover is provided to persons belonging to 48 occupations which is listed as given in Annexure A. Basic Eligibility - The conditions that must be fulfilled by an Conditions individual to be eligible for the benefit under PMJDY APBS - Aadhar Payments Bridge System Bio-Metric Card - Aadhar Card or any Card issued by appropriate authority which is acceptable to Bank for opening a BSBDA account under PMJDY. C. BENEFITS UNDER THE SCHEME The scheme provides for life cover of Rs. 30,000/- payable on death of the beneficiary due to any cause, subject to fulfillment of the eligibility conditions: D. BASIC ELIGIBILITY CONDITIONS i. Person opening Bank account for the first time, with RuPay Card in addition, during the period from 15-08-14 to 26-01-15, or any additional period as may be extended further by Government of India. ii. The person should normally be head of the family or an earning member of the family and should be in the age group of 18 to 59 ( i.e. person should be at least 18 years old, and should not have completed 60 years of age). In case the head of family is 60 years or more of age, the second earning person of the family in the above mentioned age group will be covered, subject to eligibility. 4
iii. Person must have a RuPay Card and Bio Metric Card linked to bank account or in process of being linked to bank account if not already there. iv. The account can be any bank account including a small account. v. For the coverage to be effective the above RuPay Card should be valid and in force at the time of the death of the member vi. Only one person in the family will be covered in the Bima Scheme and in case of the person having multiple cards / accounts the benefit will be allowed only under one card i.e. one person per family will get a single cover of Rs.30,000/-, subject to the eligibility conditions. vii. The life cover of Rs 30,000/- under the scheme will be initially for a period of 5 years, i.e. till the close of financial year 2019-20. Thereafter, the scheme will be reviewed and terms and condition of its continuation, including the issue of future payment of premium by the insured thereafter, would be suitably determined. viii. In case the PMJDY Account is held jointly, then the first account holder i.e. primary Account holder will be eligible for cover subject to the eligibility conditions. E. INELIGIBLE CATEGORIES i. Central Government and State Government employees (in service or retired) and their families. ii. Employees (in service or retired) of Public Sector Undertakings, Public Sector Banks, any entity owned by Central Government, any entity owned by a State Government or any entity jointly owned by the Central Government and any State Government, and their families. 5
iii. Persons whose income is taxable under I.T. Act 1961 or are filing the yearly Income Tax return or in whose case TDS is being deducted from the income, and their families. iv. Persons who are included in the AamAadmiBimaYojana covering 48 occupations defined under the Scheme, and their families. v. Otherwise eligible account holders, who have life cover on account of any other scheme of the Bank against the account, shall have to choose between the two schemes and derive benefit from only one. vi. All persons who do not fulfill the basic eligibility conditions of the scheme. F. EXIT FROM SCHEME The person will exit the scheme on completing of age 60, i.e. on the day the person completes age 60 or closure of the Scheme, whichever is earlier. G. CLAIM SETTLEMENT PROCEDURE a) The Claim amount of Rs.30,000/- is payable to the nominee(s) / Legal Heirs of the accountholder. The Risk cover will be provided to the person from his/her age of 18 (Completed) till the completion of his / her age 60 years i.e. eligibility will cease on completing 60 years and he/she will exit the scheme on the day the he / she completes 60 years of age.. b) The Death claim benefitof Rs. 30000/- will be settled by the designated Pension & Group Scheme (P&GS) Office of LIC. The process followed will be as under: i. Claim papers as per Annexure B will be submitted by the District Branch / Nodal Branch of the concerned Bank to the nearest Pension & Group Scheme Unit (P&GS unit) of LIC designated for this purpose for 6
processing of Claims. A list of the P&GS Units is enclosed as Annexure D. ii. The Claim will be paid to the nominee who is the nominee in the Bank Account. In the absence of nomination or if the nominee pre-deceases the insured member or if the nominee is not spouse, child or parent then the Legal Heirs of the Accountholder should submit Indemnity Bond to dispense with Legal Evidence of Title in the prescribed Format of LIC (Given in AnnexuresC1 and C2). iii. The Claim amount will be credited to Bank account of the nominee(s) / Legal Heirs through APBS i.e. the amount will be credited to Account linked to Aadhar Card Number. iv. In case where the claim form is directly submitted to any LIC office by the claimant, then LIC office would forward the same to the concerned bank of the deceased Account holder immediately to get necessary verification etc. done from the bank concerned. The concerned Bank Branch will forward the Claim Form to nearest P&GS unit of the LIC for processing the claim. H. PROCEDURE TO BE FOLLOWED BY BANKS ON RECEIPT OF DEATH CLAIM INTIMATION The concerned Branch of the Bank where the PMJDY saving account was initially opened has to lodge the claim with LIC. Whilst lodging the claim, the forwarding Bank Branch shall prima facie examine whether the claim is payable or not based on the eligibility conditions. For this purpose, the following documents will need to be called for:- 1. Attested copy of the Death Certificate of the deceased member. 2. Photocopy of Aadhar card of the deceased to determine the age of the Accountholder as on the date of death. If Aadhar card is not issued then attested photocopy of any one of the following age proof can be called for :- 7
a) Extract from Birth Register b) Extract from School Certificate c) Ration Card d) Voter s Identity Card If the deceased completes 60 year of age before the date of death, then the Life Insurance Benefit will not be available to the person. Hence, the age on date of death assumes importance. 3. Verification of the validity and in force status of the RuPay Card (It is to be checked whether the RuPay Card is Blocked or Not). 4. Verification of Head of Family status with help of BPL card or Ration Card of the deceased and also whether the person is the Earning Member of the family. 5. To verify if the deceased is not ineligible as per the Ineligibility Conditions given in para E. 6. To verify if the deceased is covered under any other Life Insurance Cover of the Bank against the Account as the benefit will be provided under any one Scheme only. 7. In case of joint Accountholders under PMJDY, the first account holder (primary account holder) will be provided Life Insurance cover subject to the eligibility conditions. 8. Claim form-cum-discharge receipt duly filled in (as given in Annexure B) :- Part A of Claim Form has to be completed by the Nominee / Legal Heir / Claimant. Authorized official of the Bank has to fill Part B. The Officer has to witness the signature of Claimant at Part C. Seal of the Bank should be affixed on the Claim form at appropriate places. In the absence of nomination or if the nominee pre-deceases the insured member or if the nominee is not spouse, child or parent then the Legal Heirs of the Accountholder should submit Indemnity Bond to dispense with Legal Evidence of Title in the prescribed Format of LIC (Given in Annexures C1 and C2). 8
9. The completed claim form (Part A, B & C) has to be forwarded to the nearest LIC s P&GS Unit along with the following documents. a) Attested copy of Death Certificate of the deceased member. b) Attested Photocopy of Aadhar Card of the deceased. c) Attested Photocopy of Aadhar Card of the claimant. On receipt of Claim form with all the above mentioned documents in our P&GS Unit, the P&GS Unit will settle the claim in favour of Nominee / Legal heirs, subject to eligibility, by crediting the death claim proceeds to Aadhar linked Bank Account. I. PROCEDURE TO BE FOLLOWED BY LIC ON RECEIPT OF CLAIM INTIMATION On receipt of Claim Form from Banks, after doing necessary inward procedure, the user of P&GS unit take following steps: 1. Verify that the Claim Form is filled up in all respect and deceased has fulfilled the eligibility criteria on the basis of documents submitted by bank. 2. If the claim is otherwise payable, user will log into the claim module for PMJDY (Pradhan Mantri Jan Dhan Yojana). The relevant data will be entered in to the module. 3. The module will generate queries within the system for checking two aspects a) If the claim has been paid earlier on the same life in order to avoid payment of claim on more than one occasion on same life. b) Whether the deceased is also covered under Aam AdamiBimaYojana. 9
4. The query will generate output from two data bases which would either affirmative or negative. 5. If output is affirmative, the list of records would be generated by module for verification by the user. After due verification on manual basis, if it is ensured that the claim on the same life is not paid earlier or the deceased is not covered under AABY, the same has to be authenticated by the supervisor. After authentication by the supervisor, the user can proceed with the settlement of the claim. 6. The above process will ensure non payment of duplicate claim under PMJDY and AABY to the extent possible. The Aadhar Card number of the deceased as well as the claimant will also be used for de-duplication purpose. 7. If the output is negative, the module will allow the user to proceed with the settlement of claim. Registers and records of claim payment will be maintained on similar lines as in case of Registers for AABY claims. Since DAB and Disability benefits are not payable under PMJDY, relevant columns are to be excluded. J. The Claim form can be downloaded from www.licindia.in, www.iba.org.in, http://financialservices.gov.in, www.nic.in. K. LIST OF ANNEXURES ANNEXURE A - List of 48 occupations under Aam Admi Bima Yojana ANNEXURE B - LIC s Claim form-cum-discharge receipt. ANNEXURE C1 - Form of application to dispense with Legal Evidence of Title. ANNEXURE C2 - LIC Format of Indemnity Bond to dispense with Legal Evidence of Title ANNEXURE D - List of P&GS Units for submission of Claim Forms. 10
Zone Division Name & code no. of P&GS unit Address of the P&GS unit Phone no. of unit E-mail ID of the Unit NameofDistricts/statet owhichunitwillprovides ervice State name Name of the Branch Official mobile number of Branch official KADAPA KADAPA-G-502 P&GS Unit C/O COLLEGE ROAD CUDDAPAH-516004 08562-244680 bo_g502@licindia.com Kurnool A.P Sri SRINIVASAN C 94448 55578 KADAPA KADAPA-G-502 P&GS Unit C/O COLLEGE ROAD CUDDAPAH-516004 08562-244680 bo_g502@licindia.com Y.S.R (Kadapa) A.P Sri SRINIVASAN C 94448 55578 KADAPA KADAPA-G-502 P&GS Unit C/O COLLEGE ROAD CUDDAPAH-516004 08562-244680 bo_g502@licindia.com Anantapur A.P Sri SRINIVASAN C 94448 55578 KADAPA KADAPA-G-502 P&GS Unit C/O COLLEGE ROAD CUDDAPAH-516004 08562-244680 bo_g502@licindia.com Chittoor A.P Sri SRINIVASAN C 94448 55578 KADAPA KADAPA-G-502 P&GS Unit C/O COLLEGE ROAD CUDDAPAH-516004 08562-244680 bo_g502@licindia.com S.P.S Nellore A.P Sri SRINIVASAN C 94448 55578 MACHILIM VIJAYAWADA G-505 III Floor,"JeevanKrishna" Besant Road Governorpet Vijayawada Pin-520002 0866-2577007 bo_g505@licindia.com West Godavari A.P Sri GOPI PRASAD B 98663 60763 MACHILIM VIJAYAWADA G-505 III Floor,"JeevanKrishna" Besant Road Governorpet Vijayawada Pin-520002 0866-2577007 bo_g505@licindia.com Krishna A.P Sri GOPI PRASAD B 98663 60763 MACHILIM VIJAYAWADA G-505 III Floor,"JeevanKrishna" Besant Road Governorpet Vijayawada Pin-520002 0866-2577007 bo_g505@licindia.com Guntur A.P Sri GOPI PRASAD B 98663 60763 MACHILIM VIJAYAWADA G-505 III Floor,"JeevanKrishna" Besant Road Governorpet Vijayawada Pin-520002 0866-2577007 bo_g505@licindia.com Prakasam A.P Sri GOPI PRASAD B 98663 60763 Page 1
MACHILIM VIJAYAWADA G-505 III Floor,"JeevanKrishna" Besant Road Governorpet Vijayawada Pin-520002 0866-2577007 bo_g505@licindia.com East Godavari A.P Sri GOPI PRASAD B 98663 60763 VISAKAM VISAKAM G509 3rd FLOOR, L.I.C.BUILDING Jeevita Bhima Marg, D.O, VIZAG-530 004 0891-2746465 bo_g509@licindia.com Srikakulam A.P Sri K.RAVIKANTH 89856 74970 VISAKAM VISAKAM G509 3rd FLOOR, L.I.C.BUILDING Jeevita Bhima Marg, D.O, VIZAG-530 004 0891-2746465 bo_g509@licindia.com Visakhapatnam A.P Sri K.RAVIKANTH 89856 74970 VISAKAM VISAKAM G509 3rd FLOOR, L.I.C.BUILDING Jeevita Bhima Marg, D.O, VIZAG-530 004 0891-2746465 bo_g509@licindia.com Vizianagaram A.P Sri K.RAVIKANTH 89856 74970 WARANGAL WARANGAL- G510 DIVISIONAL OFFICE P B NO 17, BALASAMUDRAM Hanamkonda Dist Warangal-Pin 506001 0870-2579108 bo_g510@licindia.com Warangal TELANGANA Sri P.C.SASTRY 99498 52266 WARANGAL WARANGAL- G510 DIVISIONAL OFFICE P B NO 17, BALASAMUDRAM Hanamkonda Dist Warangal-Pin 506001 0870-2579108 bo_g510@licindia.com Adilabad TELANGANA Sri P.C.SASTRY 99498 52267 WARANGAL WARANGAL- G510 DIVISIONAL OFFICE P B NO 17, BALASAMUDRAM Hanamkonda Dist Warangal-Pin 506001 0870-2579108 bo_g510@licindia.com Karimnagar TELANGANA Sri P.C.SASTRY 99498 52268 WARANGAL WARANGAL- G510 DIVISIONAL OFFICE P B NO 17, BALASAMUDRAM Hanamkonda Dist Warangal-Pin 506001 0870-2579108 bo_g510@licindia.com Khammam TELANGANA Sri P.C.SASTRY 99498 52269 HYDERABAD HYDERABAD- G504 II FLOOR, Jeevan Prakash Divisional Office Secretariat Road Saifabad HYDERABAD 500 063 040-23420749 bo_g504@licindia.com HYDERABAD TELANGANA S.THOMAS 9441285588 HYDERABAD HYDERABAD- G504 II FLOOR, Jeevan Prakash Divisional Office Secretariat Road Saifabad HYDERABAD 500 063 040-23420749 bo_g504@licindia.com RANGAREDDY TELANGANA S.THOMAS 9441285588 Page 2
HYDERABAD HYDERABAD- G504 II FLOOR, Jeevan Prakash Divisional Office Secretariat Road Saifabad HYDERABAD 500 063 040-23420749 bo_g504@licindia.com Mahabubnagar TELANGANA S.THOMAS 9441285588 HYDERABAD HYDERABAD- G504 II FLOOR, Jeevan Prakash Divisional Office Secretariat Road Saifabad HYDERABAD 500 063 040-23420749 bo_g504@licindia.com Medak TELANGANA S.THOMAS 9441285588 HYDERABAD HYDERABAD- G504 II FLOOR, Jeevan Prakash Divisional Office Secretariat Road Saifabad HYDERABAD 500 063 040-23420749 bo_g504@licindia.com Nalgonda TELANGANA S.THOMAS 9441285588 HYDERABAD HYDERABAD- G504 II FLOOR, Jeevan Prakash Divisional Office Secretariat Road Saifabad HYDERABAD 500 063 040-23420749 bo_g504@licindia.com Nizamabad TELANGANA S.THOMAS 9441285588 DHARWARD DHARWARD- G503 Jeevan Prakash College Road P&GS Deptt DHARWAD-580001 0836-2745864 bo_g503@licindia.com Belgaum KARNATAKA Sri M ARJUNAN 82773 29393 S O U T H C E N DHARWARD DHARWARD- G503 DHARWARD DHARWARD- G503 DHARWARD DHARWARD- G503 DHARWARD DHARWARD- G503 MYSORE MYSORE G-506 Jeevan Prakash College Road P&GS Deptt DHARWAD-580001 Jeevan Prakash College Road P&GS Deptt DHARWAD-580001 Jeevan Prakash College Road P&GS Deptt DHARWAD-580001 Jeevan Prakash College Road P&GS Deptt DHARWAD-580001 P.B.No.26 BRANCH 1 ANNEXE BUILDING K R S ROAD, YADAVAGIRI PO MYSORE-570020 0836-2745864 bo_g503@licindia.com Gadag KARNATAKA Sri M ARJUNAN 82773 29393 0836-2745864 bo_g503@licindia.com Dharwad KARNATAKA Sri M ARJUNAN 82773 29393 0836-2745864 bo_g503@licindia.com Haveri KARNATAKA Sri M ARJUNAN 82773 29393 0836-2745864 bo_g503@licindia.com Uttara Kannada KARNATAKA Sri M ARJUNAN 82773 29393 0821-2516877 bo_g506@licindia.com Mandya KARNATAKA Sri H.MANJUNATH 94489 29828 Page 3
N T R A L MYSORE MYSORE G-506 MYSORE MYSORE G-506 P.B.No.26 BRANCH 1 ANNEXE BUILDING K R S ROAD, YADAVAGIRI PO MYSORE-570020 P.B.No.26 BRANCH 1 ANNEXE BUILDING K R S ROAD, YADAVAGIRI PO MYSORE-570020 0821-2516877 bo_g506@licindia.com Hassan KARNATAKA Sri H.MANJUNATH 94489 29828 0821-2516877 bo_g506@licindia.com Kodagu KARNATAKA Sri H.MANJUNATH 94489 29828 MYSORE MYSORE G-506 P.B.No.26 BRANCH 1 ANNEXE BUILDING K R S ROAD, YADAVAGIRI PO MYSORE-570020 0821-2516877 bo_g506@licindia.com Mysore KARNATAKA Sri H.MANJUNATH 94489 29828 MYSORE MYSORE G-506 P.B.No.26 BRANCH 1 ANNEXE BUILDING K R S ROAD, YADAVAGIRI PO MYSORE-570020 0821-2516877 bo_g506@licindia.com Chamarajanagar KARNATAKA Sri H.MANJUNATH 94489 29828 RAICHUR RAICHUR G507 LIC of India Divisional Office BR.CODE G507, I FLOOR JEEVAN PRAKASH STATION ROAD R A I C H U R Pin-584101 08532-230019 bo_g507@licindia.com Bagalkot KARNATAKA Sri VIRUPAKSHA D 94484 67199 RAICHUR RAICHUR G508 LIC of India Divisional Office BR.CODE G507, I FLOOR JEEVAN PRAKASH STATION ROAD R A I C H U R Pin-584101 08532-230019 bo_g507@licindia.com Bijapur KARNATAKA Sri VIRUPAKSHA D 94484 67199 RAICHUR RAICHUR G509 LIC of India Divisional Office BR.CODE G507, I FLOOR JEEVAN PRAKASH STATION ROAD R A I C H U R Pin-584101 08532-230019 bo_g507@licindia.com Bidar KARNATAKA Sri VIRUPAKSHA D 94484 67199 RAICHUR RAICHUR G510 LIC of India Divisional Office BR.CODE G507, I FLOOR JEEVAN PRAKASH STATION ROAD R A I C H U R Pin-584101 08532-230019 bo_g507@licindia.com Raichur KARNATAKA Sri VIRUPAKSHA D 94484 67199 Page 4
RAICHUR RAICHUR G511 LIC of India Divisional Office BR.CODE G507, I FLOOR JEEVAN PRAKASH STATION ROAD R A I C H U R Pin-584101 08532-230019 bo_g507@licindia.com Koppal KARNATAKA Sri VIRUPAKSHA D 94484 67199 RAICHUR RAICHUR G512 LIC of India Divisional Office BR.CODE G507, I FLOOR JEEVAN PRAKASH STATION ROAD R A I C H U R Pin-584101 08532-230019 bo_g507@licindia.com Bellary KARNATAKA Sri VIRUPAKSHA D 94484 67199 RAICHUR RAICHUR G513 LIC of India Divisional Office BR.CODE G507, I FLOOR JEEVAN PRAKASH STATION ROAD R A I C H U R Pin-584101 08532-230019 bo_g507@licindia.com Gulbarga KARNATAKA Sri VIRUPAKSHA D 94484 67199 RAICHUR RAICHUR G514 LIC of India Divisional Office BR.CODE G507, I FLOOR JEEVAN PRAKASH STATION ROAD R A I C H U R Pin-584101 08532-230019 bo_g507@licindia.com Yadgir KARNATAKA Sri VIRUPAKSHA D 94484 67199 UDUPI MANGALORE G508 LIC of India, Popular bldg, ph:2441281 Second Floor K.S.Rao Road Mangalore Pin-575001 0824-2447248 bo_g508@licindia.com Udupi KARNATAKA Sri SHANKAR V HEGDE 94484 88158 UDUPI MANGALORE G509 LIC of India, Popular bldg, ph:2441281 Second Floor K.S.Rao Road Mangalore Pin-575001 0824-2447248 bo_g508@licindia.com Chikmagalur KARNATAKA Sri SHANKAR V HEGDE 94484 88158 UDUPI MANGALORE G510 LIC of India, Popular bldg, ph:2441281 Second Floor K.S.Rao Road Mangalore Pin-575001 0824-2447248 bo_g508@licindia.com Dakshina Kannada KARNATAKA Sri SHANKAR V HEGDE 94484 88158 UDUPI MANGALORE G511 LIC of India, Popular bldg, ph:2441281 Second Floor K.S.Rao Road Mangalore Pin-575001 0824-2447248 bo_g508@licindia.com Chitradurga KARNATAKA Sri SHANKAR V HEGDE 94484 88158 UDUPI MANGALORE G512 LIC of India, Popular bldg, ph:2441281 Second Floor K.S.Rao Road Mangalore Pin-575001 0824-2447248 bo_g508@licindia.com Davanagere KARNATAKA Sri SHANKAR V HEGDE 94484 88158 Page 5
UDUPI MANGALORE G513 LIC of India, Popular bldg, ph:2441281 Second Floor K.S.Rao Road Mangalore Pin-575001 0824-2447248 bo_g508@licindia.com Shimoga KARNATAKA Sri SHANKAR V HEGDE 94484 88158 BANGALORE BANGALORE G501 LIC of India 4TH FLOOR, "JEEVAN PRAKASH", BLDGS, JC ROAD, BANGALORE Pin-560002 022-248948 bo_g501@licindia.com Tumkur KARNATAKA G.N. KRISHNA 9886591967 BANGALORE BANGALORE G502 LIC of India 4TH FLOOR, "JEEVAN PRAKASH", BLDGS, JC ROAD, BANGALORE Pin-560002 022-248948 bo_g501@licindia.com Bangalore KARNATAKA G.N. KRISHNA 9886591967 BANGALORE BANGALORE G503 LIC of India 4TH FLOOR, "JEEVAN PRAKASH", BLDGS, JC ROAD, BANGALORE Pin-560002 022-248948 bo_g501@licindia.com Kolar KARNATAKA G.N. KRISHNA 9886591967 BANGALORE BANGALORE G504 LIC of India 4TH FLOOR, "JEEVAN PRAKASH", BLDGS, JC ROAD, BANGALORE Pin-560002 022-248948 bo_g501@licindia.com Bangalore Rural KARNATAKA G.N. KRISHNA 9886591967 BANGALORE BANGALORE G505 LIC of India 4TH FLOOR, "JEEVAN PRAKASH", BLDGS, JC ROAD, BANGALORE Pin-560002 022-248948 bo_g501@licindia.com Ramanagara KARNATAKA G.N. KRISHNA 9886591967 BANGALORE BANGALORE G506 LIC of India 4TH FLOOR, "JEEVAN PRAKASH", BLDGS, JC ROAD, BANGALORE Pin-560002 022-248948 bo_g501@licindia.com Chikkaballapura KARNATAKA G.N. KRISHNA 9886591967 COIMBATORE Coimbatore G601 LIC of India,P&GS unit, Divisional Office,India Life Building, 1543/44,Trichy Road,Coimbatore. 0422-2300839 / 0422-2301408 bo_g601@licindia.com COIMBATORE TAMILNADU M.Varadarajan 8903855204 COIMBATORE Coimbatore G601 LIC of India,P&GS unit, Divisional Office,India Life Building, 1543/44,Trichy Road,Coimbatore. 0422-2300839 / 0422-2301408 bo_g601@licindia.com ERODE TAMILNADU M.Varadarajan 8903855204 Page 6
COIMBATORE Coimbatore G601 LIC of India,P&GS unit, Divisional Office,India Life Building, 1543/44,Trichy Road,Coimbatore. 0422-2300839 / 0422-2301408 bo_g601@licindia.com NILGIRIS TAMILNADU M.Varadarajan 8903855204 COIMBATORE Coimbatore G601 LIC of India,P&GS unit, Divisional Office,India Life Building, 1543/44,Trichy Road,Coimbatore. 0422-2300839 / 0422-2301408 bo_g601@licindia.com TIRUPUR TAMILNADU M.Varadarajan 8903855204 ERNAKULAM ERNAKULAM G602 LIC of India, P&GS Unit, 4th Floor, Divisional Office, "Jeevan Prakash" P.B.No.1133, M.G.Road, Ernakulam - 682011, Kerala 0484-2360616 / 0484-2362427 bo_g602@licindia.com ERNAKULAM KERALA BSKSV.Subramanya m 8281929813 ERNAKULAM ERNAKULAM G602 LIC of India, P&GS Unit, 4th Floor, Divisional Office, "Jeevan Prakash" P.B.No.1133, M.G.Road, Ernakulam - 682011, Kerala 0484-2360616 / 0484-2362427 bo_g602@licindia.com PALAKKAD KERALA BSKSV.Subramanya m 8281929813 ERNAKULAM ERNAKULAM G602 LIC of India, P&GS Unit, 4th Floor, Divisional Office, "Jeevan Prakash" P.B.No.1133, M.G.Road, Ernakulam - 682011, Kerala 0484-2360616 / 0484-2362427 bo_g602@licindia.com THRISSUR KERALA BSKSV.Subramanya m 8281929813 KOTTAYAM KOTTAYAM G603 LIC of India,P&GS unit, Divisional Office,M.C.Road,Star Junction, Kottayam-686001 0481-2566620 / 0481-2567611 bo_g603@licindia.com KOTTAYAM KERALA V.D.Vinod Kumar 8281930583 KOTTAYAM KOTTAYAM G603 LIC of India,P&GS unit, Divisional Office,M.C.Road,Star Junction, Kottayam-686001 0481-2566620 / 0481-2567611 bo_g603@licindia.com PATHANAMTHITTA KERALA V.D.Vinod Kumar 8281930583 KOTTAYAM KOTTAYAM G603 LIC of India,P&GS unit, Divisional Office,M.C.Road,Star Junction, Kottayam-686001 0481-2566620 / 0481-2567611 bo_g603@licindia.com IDUKKI KERALA V.D.Vinod Kumar 8281930583 Page 7