Digital Life Certificate for Pensioners Seeking Pension

• 11th Mar 2021
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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.

Conclusion

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