Pensioners not required to be physically present in bank for life certificate
Moneylife Digital Team 27 November 2017
November is the month for all pensioners to provide life certificates to their bank so that they would continue to receive their pension. While most the these senior citizen visit bank branches during November and sign on the register as proof of living, some find it difficult to be physically present for this. This usually means a lot of trauma for elders who are not in good health or too old to make it physically to their bank branches. 
 
The government has taken steps to end the pain of this process, however, many pensioners and their care-givers are unaware of it. Therefore, here is what you can do. 
 
Pensioners who are unable to go to bank branches themselves can submit a physical copy of their life certificate or use a digital certificate that is issued by Jeevan Pramaan website https://jeevanpramaan.gov.in/. A pensioner can submit Aadhaar-based online life certificate through the Jeevan Pramaan website. A successful authentication generates digital life certificate that gets stored in the Life Certificate Repository, which can be accessed by the pension disbursing agencies on-line. But more about it later.
 
An office memorandum, issued by the Central Pension Accounting Office, under the Ministry of Finance, clearly says, "...the pension account holding branches of all authorised banks may be instructed to strictly adhere to the existing norms and do not harass the pensioners/family pensioners by insisting upon presenting themselves physically in the bank if their life certificate is submitted duly signed by the authority specified in Correction Slip No.14..."
 
 
This means, pensioners who are unable to visit their bank branch, can submit a life certificate, duly signed by a Magistrate, a Registrar or sub-Registrar, a Gazetted Officer, a Police Officer no below the rank of Sub-Inspector, a postmaster, a class I officer of the Reserve Bank of India (RBI), a pensioned officer who before retirement exercised powers of a Magistrate, a Justice, a Block Development Officer or Munsif or Tehsildar or Naib Tehsildar, a Head of Village Panchayat, a Member of Parliament or State Legislature or a Treasury Officer.
 
For pensioners receiving pension through their savings account in a public sector bank, the Officer of the bank can sign the life certificate. However, many a times, such pensioners or their family members find it difficult to submit physical copy of the life certificate. 
 
(Sample of Life Certificate)
 
"Pensioners, who are not in a physical condition to visit the branch, can request an officer from the bank to visit their home for signing the certificate. Also such pensioners should get a similar certificate from their doctor and attach it with the life certificate while submitting to the bank branch. Also note the pensioner is required to submit such life certificate and doctor's certificate within 30 days of signing the same by designated officer and the doctor," says Abhay Datar, a retired banker and expert at Moneylife Foundation's Helpline. 
 
Devidas Tuljapurkar, Joint Secretary of All India Bank Employees Association (AIBEA), also says that pensioners are not required to be physically present at bank branch if they have health related issues. "An official from the bank branch should ideally visit such pensioners and sign the life certificate. However, due to the manpower shortage, this is not possible for the officials to visit homes of pensioners. But they can certainly make the visit after banking hours, in cases, where the pensioner is bed-ridden or not in a condition to move around," he added.
 
Coming back to the Jeevan Pramaan digital life certificate, which can be obtained through Jeevan Pramaan Centres, banks, government offices or by using an application on computer, mobile (smart phone with fingerprint scanning facility) or tablet.
 
After downloading the app, the pensioner has to provide necessary information like Aadhaar number, pension payment order, bank account, bank name and mobile number. The pensioner then needs to authenticate herself through fingerprint scanner. 
 
After a successful authentication, an SMS acknowledgement is sent to the pensioner's mobile number including her Jeevan Pramaan Certificate ID. The pensioner can also download a PDF copy of her life certificate from the Jeevan Pramaan website.
Comments
PRAKASH D N
3 years ago
As per RBI directive RBI/2017 -18/89DBR.No.Leg.BC.96/09.07.005/2017-18 November 9, 2017 giving facilities for senior citizens, bank officers have to visit the pensioner at his place where the pensioner is immobile for health reasons and submit the Life Certificate.
Rajagopalan R Nida
3 years ago
My email ID is [email protected]
My Pension SB a/c no is 4/1295724 at Porur branch,Indian Bank.
Rajagopalan R Nida
3 years ago
My epf pension is paid through Indian Bank, Porur Branch,Chennai.My PPO No is32644.
from last year the said branch of Indian bank informed all pensioners to go to Tambaram,EPF office. As per above news the branch at porur needs to be instructed to accept my Life Certificate.Even the corporation's E service booths also not accepting.
A man of 73 years needs to go to tambaram means some harasement to the senior citizen. monthly am getting Rs 800 only
Sanjoy Acharjee
3 years ago
There is a problem in generating digital Life Certificate for pensioner of Assam State Govt. Name of state - Assam is absent from dropdown menu for selection of State. Jeevan Pramaan portal has not yet updated states list adding name of Assam. Aadhar Card barrier is supposed to be removed as Aadhar Enrolment process is going on in Assam for quite a few months back. Jeevan Pramaan authority may be requested to update state names to help aged & ailing pensioners of Assam Govt.
Sanjoy Acharjee
3 years ago
Here in the branch, there is no offline process or form thereof. The bank officer assured of attesting the form if I submit one. But, where to get the firm. Form issued by my PDA Branch in Assam is not as same as one I downloaded from SBI website. This has given rise to doubt as to where an attested Form sent by registered post will ultimately be accepted by Bank because of the form being one other than that the bank has issued to the pensioners. I obtained a photo from my friend there which is not properly printable. Hence. I am confused & require support. Bank Branch (code - 000109) of Karimganj Assam is indisposed to reply queries sent via email. This has put me into some tension. Please show way out.
Sanjoy Acharjee
3 years ago
Here in the branch, there is no offline process or form thereof. The bank officer assured of attesting the form if I submit one. But, where to get the firm. Form issued by my PDA Branch in Assam is not as same as one I downloaded from SBI website. This has given rise to doubt as to where an attested Form sent by registered post will ultimately be accepted by Bank because of the form being one other than that the bank has issued to the pensioners. I obtained a photo from my friend there which is not properly printable. Hence. I am confused & require support. Bank Branch (code - 000109) of Karimganj Assam is indisposed to reply queries sent via email. This has put me into some tension. Please show way out.
Sanjoy Acharjee
3 years ago
I am a pension holder. My PDA is SBI Karimganj Main Branch, Assam. At present, I am temporarily staying in Hyderabad, Telangana. I approached an SBI Branch at SERILINGAMPALLY
Branch Code 06314 to submit my Life Certificate. In this branch online process is available. I have an Aadhar Card obtained in Kolkata. SBI official took up the task, but in drop down menu, Assam State is not mentioned & there online generation & submission of Life Certificate failed. At present, Aadhar Enrollment is going on in Assam, but Jeevanpramman has not yet incorporated name of Assam as one of the state in drop down, causing utmost problem to me. As a result, I am to go to Home Branch of SBI in Assam to submit my Life Certificate.
If PPO based Life Certificate can be generated & submitted, it would lessen our tension & more or less 70 hours of journey by train. No offline form was available. What to do at this stage.
MDT
Replied to Sanjoy Acharjee comment 3 years ago
Dear Sir,
As per reply from SBI, a pensioner can submit life certificate at any branch of the Bank.
Here is the link to the webpage & specific answer provided by SBI...
https://www.sbi.co.in/portal/web/customer-care/faq-centralised-pension-processing
20. Where should the pensioner submit his/her life certificate?
Ans: The pensioner can submit life certificate at any branch of the Bank either in person or through his/her authorized representative. The receiving official will acknowledge receipt of the Life Certificate.

Kindly show this to the SBI officer at Hyderabad. After checking the details from the above URL, he will accept your life certificate.
Pradeep Ratnaparkhi
3 years ago
I want to know if a person receiving pension from EPFO can go to the concerned branch of the Bank any where in India to present himself as alive?
Shifali Gupta
3 years ago
I am father of shifali gupta and drwaing pension central government. I want to know whether I can submiy life certificate reemployment and re merriage certifiicates before november .pl guide me.
Manoj
3 years ago
Well, digital life certificates are not used by state govts. UP state requires the pensioner to present themselves at the treasury for taking fingerprints. They also do not accept Jeevan Praman. Download Umang app and see for yourself.

This govt believes in selling dreams and shortchanging people.
Gem mo
3 years ago
please send live certificate link
PARSHA RAM
4 years ago
this is a good move by the authorities concerned.
k.mohanarangam k.mohanarangam
4 years ago
will be a great relief for those
who are unable to physically
present/visit the authorities

N.Hanumanta Rao
4 years ago
The above Jeevan Pramaan may also be made applicable to all 5 crore pensioners of Family pension scheme of EPFO.
S BHASKARA NARAYANA
4 years ago
Though I am physically fit to go to Bank's Branch, I obtained my Digital Life Certificate (DLC) at Customer Service Support (CSS) authorized by Govt. of India, by paying Rs.50/- to inculcate the easy way of submitting LC and sensitize the Bank's staff. But, the Bank's Branches' controller refused to accept the DLC, sent through my co-pensioner, mainly due to lack of knowledge on Jeevan Pramaan. Offcourse, I presented physically two days later at the pension paying branch and they accepted my presence and updated my LC free of cost.
Similarily, the STO, of Kakinada (EGDist.)(AP) warned the local Customer Service Support centres (six in number) not to issue DLCs under Jeevan Pramaan, for which they are not going to accept.
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