Get Rs 5 Lakh Free Medical Cover with Ayushman Vay Vandana Card – Application Process Explained

by Jobuza Team | May 29, 2025 | BLOG, Trending News

Ayushman Vay Vandana: The Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PMJAY) is a flagship healthcare scheme by the Government of India, designed to provide free medical treatment to eligible citizens. A special provision under this scheme offers cashless treatment worth up to Rs 5 lakh per year to all senior citizens aged 70 and above, regardless of their income or economic status.

This initiative aims to support more than 6 crore senior citizens across 4.5 crore households in India, making quality healthcare accessible and affordable.

Key Features of Ayushman Bharat PMJAY for Senior Citizens

• Eligibility: All Indian citizens aged 70 years and above

• Coverage: Free medical treatment up to Rs 5 lakh per year

• Network: Access to over 2,000 empanelled hospitals across the country

• No income restriction: Only age is required for eligibility

• Immediate coverage: No waiting period after enrolment

• Mandatory Aadhaar e-KYC for enrolment

Who Can Apply?

To be eligible for this scheme:

• The applicant must be 70 years or older, as per their Aadhaar card.

• There is no income or category requirement.

• If the Aadhaar card shows only the year of birth, January 1 of the following year is considered for age calculation.

• If both parents are 70 or older, only one needs to be enrolled initially. The second can be added later using the “Add Member” option.

How to Register for Ayushman Bharat PMJAY

Senior citizens can register themselves and get their Ayushman Vay Vandana Card by following these steps:

Option 1: Through the Official Website

1. Visit the official PMJAY portal: www.beneficiary.nha.gov.in

2. Complete Aadhaar-based e-KYC verification.

3. Fill in personal details such as name, age, address, and family information.

4. Upload required documents and submit the application.

5. Once approved, download the Ayushman Vay Vandana Card.

Option 2: Through the Ayushman Bharat Mobile App

1. Download the Ayushman App from the Google Play Store.

2. Open the app and tap “Login” as a beneficiary or enrolment operator.

3. Enter your mobile number, captcha code, and authenticate via OTP.

4. Provide Aadhaar details and consent for e-KYC.

5. Fill in demographic details like category, PIN code, and state.

6. Add eligible family members using the “Add Member” option.

7. Submit the application and download the card once approved.

Benefits of the Ayushman Vay Vandana Card

• Cashless treatment in empanelled hospitals, including private and government facilities

• Covers a wide range of medical conditions and surgeries

• No waiting period—coverage begins immediately

• Reduces out-of-pocket expenses for elderly citizens

• Enables senior citizens to access high-quality healthcare without financial stress

Final Words

The Ayushman Bharat PMJAY Senior Citizen Scheme is a landmark initiative aimed at securing the health of India’s elderly population. With no income or category barrier, this scheme ensures that every senior citizen aged 70 and above can access free medical care up to Rs 5 lakh annually.

Whether for yourself or your elderly family members, make sure to complete the enrolment process and download the Ayushman Vay Vandana Card to start accessing these healthcare benefits immediately.

EPFO New Rules 2025: 5 Important Conditions to Withdraw Your PF Amount

by Jobuza Team | May 27, 2025 | BLOG, Trending News

The Employees’ Provident Fund Organisation (EPFO) has introduced significant updates to its withdrawal rules for 2025. With over 7 crore Indians holding savings in the EPFO, these new regulations are crucial for anyone planning to withdraw their PF (Provident Fund).

The process has now become faster, easier, and completely digital. If you are an EPFO member and intend to withdraw your PF, make sure you meet these five key conditions.

1. UAN and Registered Mobile Number Must Be Active

Your Universal Account Number (UAN) must be active. The mobile number linked to your UAN should also be active and in your possession. During the withdrawal process, you will receive a One-Time Password (OTP) on this number for verification. Without it, you won’t be able to complete your claim.

2. Aadhaar Must Be Linked with Your EPFO Account

Your Aadhaar number must be linked to your EPFO profile. When you submit a claim online, identity verification is done through e-KYC using Aadhaar OTP. If your Aadhaar is not linked, you won’t be able to withdraw your PF.

3. Bank Account and IFSC Code Must Be Correct

The PF amount is directly transferred to your bank account. Make sure your bank account number and IFSC code are accurately updated in your EPFO records. Any incorrect information can lead to claim rejection or delay.

4. PAN is Required if Your Service is Less Than 5 Years

If you’ve worked for less than five years and are applying for a final settlement, your PAN details must be updated in the EPFO records. Without it, TDS (Tax Deducted at Source) may be charged at a higher rate.

5. Your Date of Joining Must Be Recorded in EPFO

EPFO must have your date of joining on file. If this detail is missing, it can delay or even block your PF claim. Ensure your employer has updated this information correctly in the system.

No Extra Documents Needed for Online PF Withdrawal

According to the EPFO website, you do not need to submit any additional documents for online partial PF withdrawal. The online application itself acts as a self-declaration. This move has made the process simpler and more convenient for employees.

Reasons You Can Partially Withdraw Your PF in 2025

Partial PF withdrawal is allowed for several important life events and emergencies. These include:

• Buying or constructing a house

• Closure of factory or company lockout

• Medical treatment for self or family members

• Marriage expenses (self or family)

• Education of children (after matriculation)

• Natural disasters

• Power supply issues affecting livelihood

• Purchase of equipment for disabled persons

Additionally, members who are above 54 years of age can take a partial withdrawal as a loan before retirement.

How to Withdraw PF Money Online

Follow these steps to claim your PF online:

1. Visit the EPFO portal and log in using your UAN and password.

2. Ensure all KYC details and service information are updated.

3. Choose either partial withdrawal (Form 31) or full withdrawal (Form 19), depending on your need.

4. Authenticate your claim by entering the OTP sent to your registered mobile number.

Other Key Changes EPFO Introduced in 2025

Here are some additional updates EPFO has implemented to enhance user convenience:

• Easy Profile Updates: You can now update personal details like name, birth date, gender, and marital status online without submitting documents—if your Aadhaar is linked.

• Faster PF Transfers: Transferring your PF while changing jobs is now quicker and requires less involvement from the employer.

• Online Joint Declaration: Employees can now submit joint declarations digitally through the portal, provided Aadhaar is linked.

• Centralized Pension Payments: Pensions are now sent directly to beneficiaries through the National Payments Corporation of India (NPCI), eliminating delays.

• Clear Rules for High-Income Earners: High-salary employees can now contribute extra to avail pension benefits under clarified guidelines.

Conclusion

EPFO New Rules 2025: With the new EPFO rules in 2025, withdrawing your Provident Fund has become smoother and more efficient. From Aadhaar linking to digital declarations, the process has evolved to match the pace of modern work life. Make sure your details are up to date and fulfill the required conditions to avoid any issues during your withdrawal process.

UPI Alert: New Government Tool to Curb Fraud May Delay Some Transactions

by Jobuza Team | May 26, 2025 | BLOG, Trending News

Why Your UPI Payments May Be Delayed: Government Rolls Out New Fraud Detection Tool

UPI Alert: If you’ve recently experienced a delay while making a UPI payment on apps like Google Pay, PhonePe, or Paytm, you’re not alone. The Government of India has launched a new security tool called the Financial Fraud Risk Indicator (FRI) to strengthen digital payment safety and reduce cyber fraud.

As India’s digital payment system continues to grow—surpassing 200 billion transactions in the past year—the risk of online fraud has also increased. To address this, the government is now using real-time fraud detection tools to protect users and payment platforms alike.

What Is the Financial Fraud Risk Indicator (FRI)?

The Financial Fraud Risk Indicator (FRI) is a fraud detection system developed by the Department of Telecommunications (DoT). It flags mobile numbers that are suspected of being involved in financial scams or cybercrimes.

Each mobile number is categorized into Medium, High, or Very High Risk based on:

• Complaints from the National Cybercrime Reporting Portal

• Reports on the DoT’s Chakshu platform

• Intelligence shared by banks and financial institutions

UPI Alert: Once a mobile number is flagged, the system alerts UPI platforms and banks, who may then take extra precautions to verify transactions.

Why Are UPI Transactions Slower?

With the FRI system now active, UPI apps like Google Pay, PhonePe, and Paytm are taking extra security steps when processing transactions involving high-risk numbers. These safety checks may include:

• Short delays in processing payments

• Additional user verification before approving a transaction

• Temporary holds for high-risk transfers

These measures are not technical glitches—they are intentional and designed to protect users from fraud.

Expert View on the New Anti-Fraud System

Gaurav Gupta, Senior Product Manager at Signzy, shared his insights on the FRI system: India’s digital payments are growing fast, but so are fraud risks. The FRI system is a major step forward. It uses real-time intelligence to stop fraud before it affects users. It’s a collaborative move between the government and financial institutions that builds trust and strengthens digital infrastructure.”

A Key Feature of the Digital Intelligence Platform

The FRI is part of the government’s Digital Intelligence Platform—a broader initiative to combat financial fraud. The DoT is actively sharing FRI reports with banks, UPI service providers, and fintech companies so they can respond quickly to threats.

By combining real-time data with predictive risk analysis, the platform aims to protect digital transactions at every stage.

What This Means for UPI Users

If your UPI payment is delayed, it may be because:

• The system is verifying a flagged mobile number

• Your transaction triggered a risk alert

• The app is performing an extra layer of security verification

While these delays can be frustrating, they are designed to prevent fraud and protect your money.

How to stay safe:

• Make sure your UPI app is updated

• Only transact with known and trusted contacts

• Be cautious of unsolicited payment links or calls

Final Takeaway

India’s digital payment network is expanding rapidly, and the risks are evolving with it. The Financial Fraud Risk Indicator (FRI) is a timely and necessary solution that prioritizes user safety and fraud prevention.

UPI Alert: So, the next time your payment is slightly delayed, remember—it’s a sign that your money is being protected in a smarter and more secure way.

IRCTC Update: Here’s How to Edit Passenger Name on Your Booked Train Ticket

by Jobuza Team | May 26, 2025 | BLOG, Trending News

IRCTC Name Change: How to Correct Passenger Name on Booked Train Tickets Easily

IRCTC Update: Train travel in India is more than just a means of transportation. It’s an experience that captures the beauty of the country’s landscapes, cultures, and memories. With millions of people using Indian Railways daily, it’s common for passengers to make errors while booking tickets—especially in the spelling of names.

The good news? IRCTC now allows you to correct or update the passenger name on your e-ticket without the need to stand in long queues at the station. Whether you’ve made a spelling mistake or want to transfer the ticket to a close family member, the Indian Railways has made the process simple and user-friendly.

Can You Change the Name on a Booked IRCTC Ticket?

Yes, you can. Indian Railways permits passengers to change or correct the name on a confirmed train ticket. However, this facility can only be used once per ticket, so make sure to double-check the new details before submitting your request.

How to Change the Passenger Name Online on IRCTC

If you prefer to handle the name correction online, follow these steps:

1. Log in to your IRCTC account using your registered username and password.

2. Navigate to the section titled “Change Boarding Point and Passenger Name Request” from your dashboard.

3. Download the passenger name change request form provided there.

4. Fill out the form with the correct details and upload it back on the same page.

5. Submit the request and wait for IRCTC to process the change.

Prefer Offline? Follow This Process at the Railway Station

If you’re more comfortable visiting the station in person, here’s what you need to do:

1. Take a printout of the confirmed train ticket.

2. Visit the nearest railway reservation counter at least 24 hours before your train’s scheduled departure.

3. Carry an original ID proof of one of the passengers listed on the ticket, along with a photocopy.

4. Request the reservation officer to update the passenger name or transfer the ticket to an eligible family member.

Important Things to Remember

• The name change or transfer is allowed only once per ticket.

• The offline process must be completed at least 24 hours before the train departure.

• Name transfer is only allowed to immediate family members such as parents, siblings, spouse, or children.

This feature is especially useful when someone else in your family ends up traveling instead of the originally booked passenger. Whether you choose the online route or prefer visiting the railway counter, the process is now easier, faster, and more convenient than ever before.