TRF renewal in PMJJBY (Pradhan Mantri Jeevan Jyoti Bima Yojana) and PMSBY (Pradhan Mantri Suraksha Bima Yojana) refers to the automatic renewal of insurance policies by deducting the premium from the bank account. The renewal charge for PMJJBY is Rs 436 and for PMSBY it is Rs 20 per year.