Digital Life Certificate - Jeevan Pramaan Patra - Process for Pensioners

Pensioners Life Certificate: Process to Submit Online or Banking

Today my father went to Bank & get his Jeevan Pramaan Patra as he don't feel comfortable  with online method. Thus, I thought to put some light on Digital Life Certificate - Jeevan Pramaan Patra - Process for Pensioners .

With the timeline for submission of Life Certificate extended till 31st December in view of the Covid-19 pandemic, the central govt pensioners have three options to submit it to the banks. So far the deadline for the submission has always been 30th November, but this year the Centre has decided to give the pensioners an extra window of 31 days to present their Jeevan Pramaan Patra.

A Pensioner may submit Life Certificate digitally from home by attaching an UIDAI authenticated biometric device to personal computer or Mobile

What is the Digital Life Certificate (Jeevan Pramaan)

Digital Life Certificate or Jeevan Pramaan is a biometric enabled digital service for pensioners. Pensioners of Central Government, State Government or any other Government organization can take benefit of this facility.

Background

More than One Crore families in India can be classified as pensioner families, where the pension disbursed by the various government bodies forms the basis for their income and sustainability. There are about Fifty Lakh pensioners of the Central Government and a similar number of the various State and UT Governments and various other government agencies. This includes pensioners from the various public sector enterprises. In addition to this Army and Defence Personnel drawing pension exceeds Twenty-five lakhs.

One of the major requisite for the pensioners post their retirement from service, is to provide life certificates to the authorized pension disbursing agencies like Banks, Post offices etc., following which their pension is credited to their account. 

In order to get this life certificate the individual drawing the pension is required to either personally present oneself before the Pension Disbursing Agency or have the Life Certificate issued by authority where they have served earlier and have it delivered to the disbursing agency.

This very requirement of personally being present in front of the disbursing agency or getting a life certificate often becomes a major hurdle in the process of seamless transfer of pension amount to the pensioner. It has been noted that it causes a lot of hardship and unnecessary inconvenience particularly for the aged and infirm pensioners who cannot always be in a position to present themselves in front of the particular authority to secure their life certificate. In addition to this a lot of government employees post their retirement choose to move to a different location either to be with their family or other reasons, hence causing a huge logistical issue when it comes to accessing their rightful pension amount.

Digital Life Certificate for Pensioners Scheme of the Government of India known as Jeevan Pramaan seeks to address this very problem by digitizing the whole process of securing the life certificate. It aims to streamline the process of getting this certificate and making it hassle free and much easier for the pensioners. With this initiative the pensioners requirement to physically present himself/herself in front of the disbursing agency or the certification authority will become a thing of the past benefiting the pensioners in a huge way and cutting down on unnecessary logistical hurdles.

• The Life certificate (Jeevan Pramaan Patra) can be submitted either by the traditional method by visiting the bank branch or can do it online
• The pensioners can also avail doorstep banking for submission of Life Certificate placing a request via App

Submission of Life Certificate by vising the branch

The Life Certificate can be submitted either by the traditional method in which the pensioners are required to visit the bank branch disbursing their pension. This process, however, is considered time consuming which also involves health risks as the elderly are more prone to the deadly novel coronavirus.

Submission of Life Certificate through Jeevan Pramaan portal

In online method, a pensioner can submit their Life Certificate digitally from home by attaching an UIDAI authenticated biometric device to their personal computer or mobile.

In order to submit Life Certificate digitally, the pensioners have to ensure that their Pension account is linked with Aadhaar Number.

Here are the steps to do it online:

Step 1 -Visit the Jeevan Pramaan portal.
Step 2 - Provide Aadhaar number, name, mobile number, PPO number, pension account number, bank details, name of pension sanctioning authority, pension disbursing authority, etc.

Step 3 - Once the Aadhaar authentication is complete, download a PDF copy of the certificate from the Jeevan Pramaan website.

Step 4 - Following this the digital life certificate is made available to the pension disbursing agency.

Submission of Life Certificate through Doorstep banking facility

In order to avail doorstep banking for submission of Life Certificate, one has to 

Step 1 - download Doorstep Banking App.

Step 2 - Select Your bank and place your request for doorstep service for submission of Life Certificate.

Step 3 - Enter your pension account number and verify it.

Step 4 - You can see Doorstep services charges, click on proceed. You can avail of this service by paying just nominal fees

Step 5 - After submitting your request, you will get an SMS mentioning the name of agent.

Step 6 -The bank agent will visit your home address and complete the Life Certificate submission process.