In India, there are approximately 70 lakh pensioners, including those from the Central Government and Defense personnel. These pensioners receive their pensions through Pension Disbursing Authorities (PDAs), such as banks and post offices. Annually in November, pensioners are required to provide a life certificate, known as Jeevan Pramaan Patra, to these PDAs. This certificate is necessary to confirm their continued existence and eligibility for pension payments.
1: Digital Life Certificates (DLC)
Digital Life Certificates (DLC) offer pensioners a convenient method to authenticate their existence without physically visiting the offices of the disbursing agency. This service was introduced by the government in November 2014 and relies on Aadhaar-enabled biometric authentication, enabling pensioners to generate their life certificates digitally.
1.1: Submitting a Digital Life Certificate from Home
Here are a few simple ways for pensioners to submit a digital life certificate from the comfort of their homes:
1.1.1: Aadhaar-based online Digital Life Certification (DLC) - Jeevan Pramaan
To use this online facility for issuing a digital life certificate, pensioners and family pensioners must possess an Aadhaar Number. This Aadhaar Number should also be linked to the Pension Payment Order and their bank account by the Pension Disbursing Authority, which is typically their bank or post office.
1.2: The Process for Issuing Digital Life Certificates
The process for pensioners to issue digital life certificates is as follows:
Step 1: The pensioner must enroll and biometrically authenticate themselves using one of the following methods:
Step 2: After successfully submitting the digital life certificate, the pensioner will receive an SMS with a transaction ID. This transaction ID can be used to download computer-generated life certificates from the website www.jeevanpramaan.gov.in for record-keeping.
2: Life Certificate through Face Authentication
The Department of Pension & Pensioners' Welfare, in collaboration with UIDAI and MeitY, has introduced Face Authentication technology for the submission of Digital Life Certificates of pensioners.
2.1: Steps for Face Authentication
Pensioners can submit their Life Certificates through Face Authentication as follows:
Section 3: Submission of Digital Life Certificate through India Post Payments Bank (IPPB)
The Department of Pension & Pensioners' Welfare, in collaboration with the India Post Payments Bank (IPPB) and MeitY, offers the "Doorstep Service for Submission of Digital Life Certificate by Postman."
Section 4: Submission of Life Certificate through Doorstep Banking
The Public Sector Banks (PSB) Alliance, comprising 12 public sector banks, extends "Doorstep Banking" services, including life certificate collection, to customers in 100 major cities across India.
Section 5: Submission of Life Certificate Signed by Designated Official
Pensioners can submit a life certificate that has been signed by a "designated official," eliminating the need for personal presence. This option is provided in accordance with paragraph 14.3 of the CPAO-issued Scheme Booklet.