All You need to know about Digital Life Certificate for Pensioners

Buy a life insurance plan in a few clicks

Now you can buy life insurance plans completely online right here.

  • Icon for Kotak Preferred e-Term Plan

    Kotak e-Term Plan

    Kotak e-Term Plan is a pure term plan that provides a high level of protection to your loved ones in your absence.

  • Icon for Kotak Preferred e-Term Plan

    Kotak Health Shield

    The Kotak Health Shield Plan helps secure your finances in times of sudden medical expenses related to illness such as Cardiac, Liver, Neuro and Cancer (all early and major stages of illness /conditions of Cancer); along with offering protection for Personal Accident - in case of accidental death or disability.

  • Kotak E-Invest Plan

    Kotak e-Invest is a comprehensive Unit Linked Life Insurance Plan that can be customized as per your goals and needs - be it protection; investment; financial security for child or retirement planning.

  • Icon for Kotak Preferred e-Term Plan

    Kotak Lifetime Income Plan

    Kotak Lifetime Income Plan gives you the assurance of your income continuing throughout your life and in your absence throughout the lifetime of your spouse!


Get a Call

Enter your contact details below and we will get in touch with you at the earliest.

  • Select your Query

Thank you

Our representative will get in touch with you at the earliest.


Digital Life Certificate for Pensioners Seeking Pension

  • 11th Mar 2021
  • 1,292

Buy Life Insurance Now Digital Life Certificate for Pensioners Seeking Pension

In India, the pension is the primary source of income for most people in the government sector. However, while government employees get a pension from the government in return for their lifetime of hard work, there are some conditions to be followed. One of them is to submit a life certificate each year. This life certificate is generally submitted at a bank branch or post office. However, given the current wave of digitalization, the Government of India has also launched a digital life certificate for pensioners seeking the pension, making the process easier and contactless for pensioners.

What is a digital life certificate?

A digital life certificate is a certificate that government employees use to get their pension. This certificate serves as proof that the individual is still alive. The certificate contains a biometric verification for each retiree who has retired from the central or state government or any other government organization and has contributed towards the Employees' Provident Fund (EPF) and Employees' Pension Scheme (EPS) for more than 10 years.

The life certificate has to be submitted in the month of November every year. Earlier this certificate could be obtained at a bank or post office, depending on where the individual held the pension account. However, now pensioners can get a digital life certificate by visiting the Jeevan Praman website.

What is the eligibility for a digital life certificate?

In order to be eligible for a digital life certificate, individuals need to meet the following criteria:

  • The individual should be a pensioner.
  • The individual should have retired from the central or state government or any other government organization.
  • The individual should have an Aadhar card.
  • The Aadhar card should be registered with a bank, post office, or a pension disbursing agency.

How to create a digital life certificate?

Individuals need the following documents to create a digital life certificate:

  • Aadhar card of the pensioner
  • Current mobile number of the pensioner

In addition to this, pensioners need an internet connection and a computer with Window Operating System 7 or above or Mac. In the absence of a computer, a phone or tablet with Android 4.0 or above or iOS can also be used. They need to attach a biometric device like a fingerprint or iris scanner to their computer or mobile phone. Once the device has been attached, they can follow the steps given below:

  • Open the Jeevan Pramaan website or mobile application.
  • Select ‘New Registration’.
  • Enter the Aadhar number followed by the bank name, bank account number, pension payment order, and mobile number.
  • Click on ‘Send OTP’.
  • Enter the OTP.
  • Click on Submit.

After clicking ‘submit’, the details will be sent to UIDAI for further verification. A Pramaan ID will be generated that can be used to log in to the Jeevan Pramaan account.

  • Log in to the Jeevan Pramaan account.
  • Click on ‘Generate Jeevan Pramaan’.
  • Enter Aadhar number and mobile number.
  • Generate new OTP.
  • Enter pensioner name, type of pension, PPO number, name of the agency, email address, and remarried and reemployed options.
  • Click on ‘No Objection’.
  • Scan fingerprint or iris.

After the details have been authenticated, the digital Jeevan Pramaan will show up. A message will also be sent to the mobile number mentioned in the registration with the Jeevan Pramaan Certificate ID.


While government employees can bank on their pension for retirement, private employees must also invest in a retirement plan, such as the Kotak Premier Pension PlanPlan or Kotak Lifetime Income Plan to secure their future.

- A Consumer Education Initiative series by Kotak Life


Also read

    • 12th Mar 2021
    • 794

    Is It Advisable To Have Multiple Life Insurance Policies?

    Multiple Life Insurance: Is it advisable to have multiple life insurance policies in your portfolio? Read the article to know more on life insurance

    Read more
  • 1 CR Term Insurance Plan: How to Pick the Best 1 CR Term Plan

    1 crore term insurance policies are cost-effective and can protect your family in your absence. Here are the points to keep in mind while buying 1 CR ...

    Read more
    • 23rd Nov 2021
    • 106

    Process of Filing A Claim For Life Insurance

    Claim settlement is one of the key services that an insurance company provides to its customers. Here's all you need to know about the process of fili...

    Read more

Related Plans

  • Kotak e-Term Plan - Online Term Insurance

    Kotak e-Term Plan - Online Term Insurance

    Kotak e-Term Plan is a pure term insurance plan that provides a holistic life protection at affordable prices. Find out the eligibility criteria, key ...

    Know more
  • Kotak Premier Pension Plan

    Kotak Premier Pension Plan

    Kotak Premier Pension Plan helps you accumulate enough wealth for your retirement, while you are earning sufficiently and also offers assured benefits...

    Know more