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What is PPO (Pension Payment Order)?

A Pension Payment Order (PPO) is a document issued by the government or pension authority detailing the amount and frequency of pension payments to retirees.

  • 16,409 Views | Updated on: Mar 14, 2024

Every pensioner covered by the Employees’ Pension Scheme (EPS) is given a specific Pension Payment Order (PPO) number. This 12-digit number is a reference for all communications related to the individual’s pension.

Key Takeaways

  • Pension Payment Order (PPO) is a unique 12-digit number issued to every pensioner under the Employees’ Provident Fund Organisation.
  • This particular number is necessary for all contacts and transactions involving your pension.
  • You can access the member sewa portal of the EPFO to obtain your PPO number online.
  • If you misplace your PPO number, you can request a replacement online.

Retirement offers a much-needed relief from the daily grind but can also bring about financial worries. From worrying over monthly expenses to becoming selective about essential purchases, retirement life comes with its share of financial challenges. Fortunately, there is some comfort in the form of a monthly pension that helps reduce financial stress.

The Employee Pension Scheme (EPS), a component of the Employee Provident Fund (EPF), stands out as a pension scheme designed to provide retired individuals with financial assistance. It offers the security pensioners need to enjoy their golden years without financial strain. However, regarding EPS, a term often leaves retirees scratching their heads, i.e., PPO or Pension Payment Order. PPO is a government-issued number that helps track pensioners’ funds and related procedures.

What is PPO (Pension Payment Order)?

A Pension Payment Order (PPO) is a unique 12-digit number issued to every pensioner under the Employees’ Provident Fund Organisation (EPFO). It contains all the details about your pension, such as the amount of your pension, the frequency of payments, and the mode of payment.

What is EPS?

The Employee Pension Scheme (EPS) constitutes a component of the Employee Provident Fund (EPF), managed by the EPFO. Initiated in 1995, EPS aims to furnish financial support and stability to individuals during retirement. This scheme ensures that salaried individuals receive a monthly pension upon retirement age, offering personal benefits and financial security for their families in the event of the pensioner’s passing.

Every month, 12% of an employee’s basic salary and dearness allowance is contributed towards the provident fund (PF) in their EPFO accounts.

Why is Pension Payment Order (PPO) important?

Your PPO number is required for all transactions and communications related to your pension. It is a very important document for pensioners and should be kept safely. Here are some benefits of having a PPO:

Serves as a Proof of Entitlement to Pension

PPO is a legal document that proves a pensioner’s entitlement to receive the pension. It contains all the important details, such as the pensioner’s name, date of birth, pension amount, and mode of payment.

Helps in Tracking Pension Payments

PPO helps pensioners to track their pension payments. It contains the pensioner’s bank account number and IFSC code, which can be used to check the status of pension payments online or through a bank statement.

Required for Making Changes to Pension

PPO is required to make any changes to the pension, such as changing the bank account number, mode of payment, or address.

Required for Availing Pension-Related Benefits

PPO must avail pension-related benefits, such as travel concessions, medical benefits, and family pensions.

How to Get You Pension Payment Order (PPO) Number?

You can get your PPO number by applying for it online through the EPFO’s member sewa portal. You must provide your EPF account number and other basic details to apply for your PPO number. Follow the instructions given below to know your PPO number:

Step 1: Go to and log in.

Step 2: Select the Pensioner’s portal under Online Service.

Step 3: A redirect to the “Welcome to Pensioners Portal” will appear. Click the link that says “Know your PPO number” on the right side of the page.

Step 4: Type in your PF number or bank account number.

How to Recover a Lost Pension Payment Order (PPO) Number?

If you misplace your Pension Payment Order (PPO) number, it is crucial to retrieve it promptly to ensure uninterrupted receipt of pension funds. Follow the steps below to regain your PPO number:

  • Visit the official EPFO website at
  • Go to the ‘Online Services’ section and access the ‘Pensioner’s Portal.’
  • Choose the ‘Know Your PPO No.’ option on the redirected page.
  • Input the bank account number associated with the Pension Fund in the provided space. Note that your member ID serves as the Pension Fund number.
  • After entering the required details, the screen will display your PPO number.

Wrapping Up

Pension Payment Orders (PPO) are not just random numbers but a lifeline for every retiree covered by the Employees’ Pension Scheme (EPS). It is the key to unlocking the financial security and peace of mind that retirement should bring.

So, as you savor the well-deserved respite that retirement brings, rest assured that your PPO is there to provide the financial support you need to enjoy your golden years without unnecessary financial strain. It is your ticket to a worry-free retirement, so keep it safe and use it wisely.

- A Consumer Education Initiative series by Kotak Life

Amit Raje
Written By :
Amit Raje

Amit Raje is an experienced marketer who has worked in various Fintechs and leading Financial companies in India. With focused experience in Digital, Amit has pioneered multiple digital commerce in India. Now, close to two decades later, he is the vice president and head of the D2C business department. He masters the skill of strategic management, also being certified in it from IIMA. He has challenged his challenges and contributed his efforts in this journey of digital transformation.

Amit Raje
Reviewed By :
Prasad Pimple

Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors