Obtaining of Life Certificate by Banks from the doorstep of the pensioners: DoP&PW Circular
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare
8th Floor, Janpath Bhawan,
Janpath, New Delhi-01.
Dated January 17, 2020
Subject: Obtaining of Life Certificate by Banks from the doorstep of the pensioners
undersigned is directed to say that instructions have been issued from
time to time. for submission of Life Certificate by pensioners, in the
month of November every year Attention is also drawn to the following
circulars, meant to facilitate submission of Life Certificate by
Pensioners and ensure Ease of Living for them:
CPAO/Tech/Grievances/2010-11/531, dated 30.06.2011, issued by Central
Pension Accounting Office. New Delhi, which provides for exemption from
personal appearance by Pensioners submitting Life Certificate. if the
prescribed form in Annexure-XVII of Para 15.2(i) of Scheme Booklet, is
signed by certain specified authorities.
Certificate/2014-15/31-32, dated 30.01.2015, issued by Central Pension
Accounting Office, New Delhi, which highlights the Digital Life
Certificate mode of submission as part of Prime Minister’s “Digital
- RBI/2014-15/587, dated 07.05.2015, issued by
the Reserve Bank of India, prescribing mandatory issue of
acknowledgement to Pensioners on submission of Life Certificates and
promoting the use of Digital Life Certificates among Pensioners, which
would eliminate the need for their physical presence at branches.
RBI/2017-18/89, dated 09.11.2017, issued by Reserve Bank of India,
directing Banks for enabling Ease of submitting Life Certificate,
whereby a Pensioner can submit Life Certificate in any branch of the
pension paying Bank and the same is uploaded promptly in CBS by the
receiving branch itself. It also directs all Banks to ensure Door-step
submission of Life Certificate facility, along with Banking facility to
all senior citizens of more than 70 years of age and differently abled
or infirm persons, including pick up of cash and delivery of cash
- OM No. 1/20/2016-P&PW(E), dated
14.11.2017, issued by Department of Pension & Pensioners’ Weifare,
which re-iterates RBI’s concen w.r.t. old/infirm pensioners, for whom
Banks should make concrete efforts to provide the facility of obtaining
Life Certificate from their premises/residence and exempt personal
- OM No. 1/20/2018-P&PW (E), dated 18.07.2019,
issued by Department of Pension & Pensioners’ Welfare, which
prescribes that pensioners aged 80 years and above may be allowed to
give their Life Certificate w.e.f. 1* October every year, which would be
valid till 307 November of the subsequent year, in order to provide
Senior pensioners with an exclusive window at Banks, for the activity
and avoid the general rush.
(2) In spite of detailed
instructions, as brought out above, it has been observed that a large
number of pensioners (around 8-10 percent) are unable to submit their
Life Certificate by the stipulated date, i.e. 30% November every year on
account of various reasons. The pension disbursing authorities/banks
are constrained to discontinue disbursement of their monthly pension, in
such cases, due to non-submission of the Life Certificate. Such
pensioners face a lot of difficulty in re-commencement of their pension.
In order to promote Ease of Living for Pensioners and minimize the
cases of non submission of Life Certificate by the pensioners and ensure
uninterrupted disburse. Pension to them, in addition to the
instructions contained in Para 1 above, the following Instructions are
hereby issued for strict compliance –
All Pension disbursing banks shall send SMSs/E-mails to the pensioners
on 24th October, 1st November, 15th November and 25th November, every
year reminding them to submit their Annual Life Certificate by the
stipulated date, ie 30th November.
- All Pension disbursing
banks shall make an exception list. as on 1st December every year, of
those pensioners who fail to submit their Life Certificate by 30th
November and send SMS/E-mail to the pensioners included in the aforesaid
exception list advising them to submit the Life Certificate at the
earliest to avoid discontinuation of their pension. The Bank shall also
ask such pensioners, through SMS/E-mail. as to whether they are
interested in submission of Life Certificate through a doorstep visit by
the bank. Wherever a call centre /App based facility is available,
Banks should also encourage taking request for doorstep visits through
such modes. The banks shall not charge any Pensioner more than Rs. 60/-
for such a doorstep visit. In line with the Reserve Bank of India
circular, RBI/2014-15/587, dated 07.05.2015, all banks shall encourage
promoting Life Certificate through Digital means.
- As regards
pensioners who have failed to submit their Life certificate in the year
2019, the banks will prepare an exception list of such pensioners
immediately and follow the steps mentioned in sub-para 3(ii) above.
The CPPCs of Pension Disbursing Banks (in case of more than 1 CPPC in
any Bank, then one nominated official on behalf of the bank as a whole)
shall report to the Department of Pension & Pensioners’ Welfare in
the months of January, February and March respectively the total number
of Central Govt Pensioners who have given the Life Certificate, the
total number of Pensioners who have not given their Life Certificate.
along with a break-up of the certificates submitted physically and
through digital means, on the following email address: rajesh.kr7
(4) CPPCs/Branches of your bank may
be advised to Strictly comply with the above instructions. The banks are
also requested to give wide publicity by putting up these instructions
in their websites and also on the notice boards of the branches of the
This ts issued with the approval of competent authority.
Hind version will follow.
Under Secretary to the Government of India
Tel No. 23310108
CMDs of all Pension Disbursing Banks
Copy for information to: (1) Central Pension Accounts Officer, CPAO-Trikoot-H, Bhikaji Cama .
Place New Delhi (2) Department of Financial Services, Jeevan Deep Building, Sansad Marg, New Delhi.