LIFE CERTIFICATES

Indian pensioners submit their Annual Life Certificate (also known as Jeevan Pramaan) once a year to ensure their pension payments continue without interruption. 

1. When to Submit the Life Certificate

Note: Non-submission by the specified deadline leads to a temporary pause in pension credit starting from the month of December until the certificate is submitted. 

2. Ways to Submit the Life Certificate

Pensioners can choose between physical submission or digital methods depending on their convenience.

A. Digital Methods (Online / From Home)

1. Aadhaar Face Authentication (Smartphone):
   • How it works: Uses the smartphone’s front camera to capture the face for Aadhaar-based biometric verification.
      
   • Requirements: Android smartphone, AadhaarFaceRD app, and Jeevan Pramaan Face App downloaded from Google Play Store. No external physical scanner is needed.
      

2. Jeevan Pramaan Portal & Mobile App:

• How it works: Log in using the Jeevan Pramaan app or UMANG app.
  Requirements: An external biometric device (fingerprint or iris scanner) connected to a PC or smartphone.
   

3. Video-Based Customer Identification (V-CIP):

• How it works: Many major Pension Disbursing Banks (like SBI, Canara Bank, Indian Overseas Bank, Bank of Baroda) offer Video Life Certificate (VLC) links on their portal.  For details , CLICK HERE 
• Process: The pensioner connects via a live video call with a bank official, provides PAN/Aadhaar, and completes verification directly.

1. Doorstep Banking (DSB) Service:
   • How it works: An agent visits the pensioner’s home to collect biometrics and generate the Digital Life Certificate.
      
   • How to book:
     • Doorstep Banking App / Toll-Free Call: Book via the Alliance DSB app or call 1800 121 3721 / 1800 103 7188.
       UIDAI
     • India Post Payments Bank (IPPB): Postmen/GDS provide doorstep DLC service through the PostInfo App or by contacting the local post office.

B. Physical Methods (In-Person)

1. At the Pension Disbursing Bank Branch:
   • Visit your pension branch or any authorized bank branch, fill out the physical Life Certificate form, sign it, and hand it over to the official.
2. Common Service Centres (CSCs) & Post Offices:
   • Visit a nearby CSC or Post Office equipped with Jeevan Pramaan biometric setups to get the digital certificate generated.
      
   • Attestation by Authorized Officers:
   • If a pensioner cannot visit the bank in person due to illness or physical incapacity, a physical certificate signed by a designated official (Gazetted Officer, Bank Manager, Postmaster, Magistrate, etc.) can be submitted on their behalf.
3. For NRI Pensioners:
   • NRI pensioners living abroad can submit a life certificate issued/attested by an authorized official of the Indian Embassy/High Commission, Consul of Indian Consulates, or a local Notary Public in that country.

      

   • Details Required for Submission

• Aadhaar Number
   
• Mobile Number (to receive OTP and Pramaan ID)
   
• PPO (Pension Payment Order) Number
   
• Pension Disbursing Authority/Bank details (Bank name, Branch, and Account Number)