Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q52: Scenario: Ms. Rina, a shopkeeper aged 58, wishes to enroll in a social security scheme. She has a functional savings bank account but no prior insurance. She approaches you to join PMJJBY and PMSBY. Based on the eligibility rules (as of 2026), what is the correct course of action?

A
Enroll her in both PMJJBY and PMSBY immediately.
B
Enroll her in PMJJBY only, as PMSBY has an age limit of 50.
C
Enroll her in PMSBY only, as she has crossed the entry age limit for PMJJBY.
D
Deny both, as the maximum entry age for both schemes is 55.
✅ Correct Answer: C
🎯 Quick Answer:
She can only join PMSBY.
Concept Definition: Application of Age Limits.
Structural Breakdown: 1. PMJJBY Eligibility: Entry is strictly 18 to 50 years.
Since Rina is 58, she is ineligible to join PMJJBY.
2. PMSBY Eligibility: Entry is 18 to 70 years.
Rina (58) is well within this limit.
Historical Context: This scenario highlights the "protection gap" for those above 50 who did not join PMJJBY earlier.