MargadarshiniPensioner's life certificate (Jeevan Pramaan)తె
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Pensioner's life certificate (Jeevan Pramaan)

When and how to give your yearly life certificate so your pension does not stop: central pensioners by face scan on a phone, through the postman or at the bank; Andhra Pradesh government pensioners at the sub-treasury.

About this guidePending verification

Published on 12-11-2026. Not every fact has been checked against its official source yet: confirm at the office.

Where:At the officeAt the bankBy phone

For whom: Central government, EPFO (EPS-95) and Andhra Pradesh government pensioners and family pensioners (living in Andhra Pradesh or abroad), and family members helping them.

1Your situation

We show only what your answers need.

Where does the pensioner live now?
Whose pension do you get?
Is the pensioner 80 or older?
How would you like to give the life certificate?

Your answers stay on this phone.

2Documents you need

Tick the ones you have. They are kept in this browser.

  • If you don't have it: → Seeding Aadhaar to your bank account (for DBT)
    Details

    The Aadhaar number must already be registered with the bank or post office account the pension comes into.

    Sources: 1, 5

  • Details

    Any mobile number in use. It need not be the number linked to the bank account.

    Sources: 1, 5

  • Details

    PPO number, pension account number, type of pension, sanctioning authority and disbursing agency. If you gave a digital certificate last year, these fill in by themselves.

    If you don't have it: Look in your PPO copy, your pension sanction order, or your bank passbook.

    Not confirmed: The official papers do not say where to find your PPO number; this is our pointer. If you cannot find it, ask your bank branch or the treasury.

    Sources: 1, 5, 4

  • Details

    An Android phone on version 9 or later, with a camera of at least 13 megapixels and 500 MB free. It also works on an iPhone. The phone need not be yours: a family member’s phone will do.

    Sources: 1, 2, 3

  • Details

    A phone with the NIDHI mobile app on it.

    Not confirmed: G.O.Rt.No.1721 of 2026 gives no requirements for the phone. Ask your sub-treasury.

    Sources: 10

  • Details

    The Annexure-XIX form of the CPAO Scheme Booklet, 2026 (Annexure-XIII in the 2021 booklet). Not needed if you give it digitally.

    If you don't have it: Ask at the bank branch your pension comes through.

    Not confirmed: The official papers do not say the bank hands out the form; ask at the branch.

    Sources: 1, 7

  • Details

    With the pensioner's photo, present home address, PPO number and bank account details. Family pensioners must also give certificates that they have not remarried and are not employed, and their date of birth.

    If you don't have it: Ask at your sub-treasury office.

    Not confirmed: The photo, address and other details are from a 2005 circular memo of the combined Andhra Pradesh Finance Department. The 2023 and 2026 orders name this certificate and its employment and marriage details but do not describe the paper form. Ask your sub-treasury for the current form and where to get it.

    Sources: 8, 12, 10

    3Your steps

    · Do them in order. Tick each one when it is done.

    If something goes wrong
    1. Do this now

      Give the life certificate between 1 and 30 November each year.

      It is valid until 30 November of the next year.

      Where
      You do this yourself

      Sources: 1, 2

    2. Do this now

      If you are 80 or older, you can give it from 1 October; give it by 30 November.

      It is valid until 30 November of the next year.

      Where
      You do this yourself

      Sources: 1, 2

    3. Do this now

      Andhra Pradesh government pensioners and family pensioners must give the life certificate (the Annual Verification Certificate, AVC) every year in January and February, with their details on employment, re-employment, marriage and re-marriage.

      If it is not given in time, the pension is stopped.

      Where
      You do this yourself

      Sources: 9, 10, 12

    4. Do this now

      Give the life certificate once 12 months have passed since the last one you gave (for a new pension, since the month it was sanctioned).

      If it is not given, the pension stops.

      Where
      You do this yourself
      Not confirmed

      For the digital certificate, the EPFO page names Common Service Centres, branches of pension-paying banks, post offices (through IPPB) and PF offices; it does not name the face scan on your own phone. A central government release of November 2025 says EPFO pensioners also use Jeevan Pramaan. If in doubt, ask your EPFO office.

      Sources: 14, 3

    5. Do this now

      If you live abroad: get the life certificate from an official of the Indian Embassy, High Commission or Consulate in your country, or from a notary public, or from an officer of an Indian authorised bank's branch there.

      Send it to the bank branch that pays your pension. It is due every November (October and November if you are 80 or older).

      Where
      The Indian Embassy, High Commission or Consulate in the country where you live
      Not confirmed

      These ways are from CPAO's scheme for central government civil pensioners paid through banks. Defence, railway, postal and telecom pensioners should confirm with their pension office or bank. The papers and fee an embassy asks for differ from country to country; see that mission's website.

      Sources: 7

    6. Do this now

      If you live abroad and your pension comes through a bank listed in the Second Schedule of the RBI Act, a life certificate signed by an officer of that bank is enough; you need not appear in person.

      Where
      At the bank

      Sources: 7

    7. Do this now

      Or it can be given through an agent you have authorised in India: if the agent gives the bank a life certificate signed by a magistrate, a notary, a banker or a diplomatic representative of India, you need not appear in person.

      Where
      You do this yourself

      Sources: 7

    8. Do this now

      If you cannot go to the embassy yourself, you can send the required papers by post, with a doctor's certificate saying you cannot come in person.

      Before issuing the certificate, the official checks you against the photo in your PPO or your passport.

      Where
      The Indian Embassy, High Commission or Consulate in the country where you live
      Not confirmed

      For the papers to send and any fee, see the mission's website or ask there.

      Sources: 7

    9. Do this now

      If you live abroad: tell the bank branch that holds your pension account that you have become a non-resident.

      The bank converts the account to a Non-Resident Ordinary (NRO) account; the pension is credited there, in India, in rupees only. If you wish, the bank can send it abroad.

      Where
      At the bank

      Sources: 7

    10. Do this now

      Andhra Pradesh government pensioners living abroad give the Annual Verification Certificate (life certificate) through the Indian Consulate in the country where they live; the pension paying officer must accept it.

      Where
      The Indian Embassy, High Commission or Consulate in the country where you live
      Not confirmed

      This is from a 2005 circular memo of the combined Andhra Pradesh Finance Department (a copy is on the website of Telangana's State Audit Department). We did not open the Andhra Pradesh Treasuries website (treasury.ap.gov.in), whose security certificate is for another name, and found no newer order. Ask your sub-treasury first whether this rule still holds and where to send the certificate.

      Sources: 8

    11. Do this now

      Under Andhra Pradesh's orders, state pensioners can give the life certificate in any of these ways: a Jeevan Pramaan digital certificate through the IPPB doorstep service, at a MeeSeva centre or Common Service Centre, or through a pensioners' association that has a biometric device; by face recognition in the NIDHI mobile app; or by going to the treasury in person.

      Where
      You do this yourself

      Sources: 9, 10

    12. Do this now

      On your phone, log in to the NIDHI app.

      Tap the "AVC" tile on the home page. Check your details and fill in your employment, re-employment, marriage and re-marriage details. Then tap "AVC Authentication" and give it by face recognition.

      Where
      You do this yourself
      Not confirmed

      The 2026 order does not say where to get the app or how to log in. Ask your sub-treasury.

      Sources: 10

    13. Do this now

      On the phone, install UIDAI's "AadhaarFaceRD" app first, then the "Jeevan Pramaan" app, from the Play Store (the App Store on an iPhone).

      AadhaarFaceRD works in the background; you do not open it. The face scan needs your Aadhaar number registered with the bank or office that pays your pension. Without Aadhaar, give the certificate in person or on the signed form.

      Where
      Your smartphone
      Fee
      Free

      Sources: 1, 2, 7

    14. Do this now

      Open the Jeevan Pramaan app.

      The person using the phone (the operator) enters their Aadhaar number, mobile number and email, then the OTP that arrives, and scans their own face. This is done once; the pensioner can be the operator.

      Where
      Jeevan Pramaan app

      Sources: 1, 2

    15. Do this now

      On the "Pensioner Authentication" screen, enter the pensioner's Aadhaar number and mobile number and the OTP.

      Fill in the name as on Aadhaar and the pension details, give consent, and scan the pensioner's face. Use good light, face the camera straight, with only one person in the frame.

      Where
      Jeevan Pramaan app

      Sources: 1, 2

    16. Do this now

      Ask for the life certificate to be done at your home: call the IPPB call centre on 155299, or ask your postman or post office.

      You do not need an IPPB account. You can also have it done at the post office. This needs your Aadhaar number registered with the bank or office that pays your pension. Without Aadhaar, give the certificate in person.

      Where
      India Post Payments Bank (IPPB) call centre: 155299

      Sources: 5, 6, 4, 3, 9, 7

    17. Do this now

      When the postman comes, give your Aadhaar number, mobile number, PPO number and account number, and confirm with your fingerprint or face.

      Pay ₹70 (including GST) once the certificate is made. There is no extra charge for coming to your home.

      Where
      Your home
      Fee
      ₹70 · Only when the certificate is made, including GST

      Sources: 5, 6, 4, 1

    18. Do this now

      If your pension comes through a public sector bank, you can also ask for the banks' "Doorstep Banking" service: call 9152220220.

      The bank takes a small charge; ask how much when you call.

      Where
      Public sector banks' Doorstep Banking
      Fee
      A small charge; ask how much when you call
      Not confirmed

      The number is from CPAO's 2026 booklet, which says the service is in the major cities and names a charge of not more than ₹60. UIDAI's older FAQ sheet (2023) gave 18001213721 and 18001037188, and ₹75.

      Sources: 1, 7

    19. Do this now

      Go to the bank branch (or post office) your pension comes through.

      They make a digital life certificate with your face or fingerprint. You may give the paper form (Annexure-XIX in the 2026 booklet; Annexure-XIII in older papers) instead; the bank must not refuse it.

      Where
      The bank branch or post office your pension comes through
      Not confirmed

      The instruction that any branch should make a digital certificate, even where you have no pension account, is from the November 2025 campaign guidelines. We did not find the 2026 campaign guidelines.

      Sources: 1, 2, 7

    20. Do this now

      Go to the bank branch that pays your pension, a post office or a PF (EPFO) office; they make a digital life certificate with your Aadhaar number.

      Or give the bank that pays your pension a paper life certificate attested by the bank manager or a gazetted officer.

      Where
      The bank branch that pays your pension, a post office or a PF office
      Not confirmed

      The EPFO page does not show the paper form or say where to get it; ask the bank branch.

      Sources: 14

    21. Do this now

      Or go to a nearby Common Service Centre (CSC) or Jeevan Pramaan centre.

      To find one, send an SMS "JPL <your PIN code>" to 7738299899 (for example JPL 520001).

      Where
      SMS: 7738299899
      Not confirmed

      We found no official charge for doing it at a CSC; ask before you start.

      Sources: 1

    22. Do this now

      In January or February, go in person to the sub-treasury (or district treasury) office your pension comes from (direct mustering) and give the Annual Verification Certificate.

      Or have a Jeevan Pramaan digital certificate made at a MeeSeva centre, a Common Service Centre or a pensioners' association that has a biometric device.

      Where
      The sub-treasury or district treasury office your pension comes from
      Not confirmed

      The 2026 order recalls that the Treasury Code let pensioners give the certificate, attested by a gazetted officer, at the bank where they draw the pension (in November). The 2023 and 2026 orders do not list this among today's ways; ask your sub-treasury before relying on it.

      Sources: 9, 10

    23. Do this now

      Write down the "Pramaan ID" in the SMS you get when it is done.

      After a day, download the certificate with that ID from the Jeevan Pramaan website to see whether it was accepted. It can take a few days to reach the bank.

      Where
      Jeevan Pramaan website
      Open the official page
      Not confirmed

      In October 2026 the security certificate of jeevanpramaan.gov.in had been revoked, so we did not open the site itself; these details are from UIDAI, PIB and IPPB papers. A paper form gets no Pramaan ID.

      Sources: 1, 4, 5, 2

    24. Do this now

      Write down the "Pramaan ID" in the SMS you get when it is done.

      After a day you can download the certificate with that ID from the Jeevan Pramaan website. Ask your sub-treasury to confirm that it has reached them.

      Where
      Jeevan Pramaan website
      Open the official page
      Not confirmed

      In October 2026 the security certificate of jeevanpramaan.gov.in had been revoked, so we did not open the site itself; these details are from UIDAI, PIB and IPPB papers.

      Sources: 4, 5

    If something goes wrong

    If it is lateFor central government pensioners: if it is not given by 30 November, the pension stops from December.

    For central government pensioners: if it is not given by 30 November, the pension stops from December. You can give the life certificate any time after that: once it is recorded, the next payment comes with the arrears. If none was given for three years or more, the pension starts again only after the competent authority sanctions it through the CPAO; ask your bank branch.

    The bank branch your pension comes through

    Sources: 1

    AlsoThe 2026 order says the pension is stopped if the life certificate is not given in January and February.

    The 2026 order says the pension is stopped if the life certificate is not given in January and February. If your pension stops, take your Annual Verification Certificate to your sub-treasury office and ask.

    Your sub-treasury or district treasury office

    Sources: 10, 12, 8

    If it is rejectedIf the digital certificate is not made, it is usually because a detail was wrong.

    If the digital certificate is not made, it is usually because a detail was wrong. Try again with the right details; if it still fails, give it at your bank branch (state pensioners: at the sub-treasury). For app problems you can call UIDAI on 1947 or email help@uidai.gov.in.

    UIDAI helpline

    Sources: 1, 8

    AlsoIf the face scan fails: use good light and a plain background; hold your face still and straight, and blink; wear glasses only if your Aadhaar photo has them; unlock your Aadhaar or biometrics if they are locked.

    If the face scan fails: use good light and a plain background; hold your face still and straight, and blink; wear glasses only if your Aadhaar photo has them; unlock your Aadhaar or biometrics if they are locked. On the Jeevan Pramaan face scan, people who have remarried or been re-employed cannot give it this way; they give it the usual way to the office that pays their pension (a bank, post office or treasury). The state pensioners' NIDHI app has its own step for filling in those details before the face scan.

    UIDAI helpline

    1947

    Sources: 1, 10

    AlsoFor a central government pensioner who cannot leave bed: the face scan can be done at home on a phone.

    For a central government pensioner who cannot leave bed: the face scan can be done at home on a phone. Or send the bank branch a note with a doctor's certificate, so that the branch can send an officer to your home or hospital to record it. You can also send the form (Annexure-XIX; Annexure-XIII in older papers) signed by, for example, a gazetted officer, a Tahsildar, a police Sub-Inspector in charge of a station, a postmaster or the head of the gram panchayat.

    The bank branch your pension comes through

    Sources: 1, 7

    AlsoFor Andhra Pradesh government pensioners over 75, or too ill to come, treasury and revenue officers (the Mandal Revenue Officer or Inspector) visit the home to identify them.

    For Andhra Pradesh government pensioners over 75, or too ill to come, treasury and revenue officers (the Mandal Revenue Officer or Inspector) visit the home to identify them. Active pensioners over 75 are identified at a nearby public place such as a community hall or school.

    Your sub-treasury or district treasury office

    Sources: 8

    AlsoIf you have a complaint about your state pension, you can take it to the "Prabhutvaudyoga Pinchanudarula Nestham" cell in the office of the Deputy Director, District Treasuries, in each district: log in on the CFMS website with your pensioner ID, choose the type of grievance, describe it and upload papers.

    If you have a complaint about your state pension, you can take it to the "Prabhutvaudyoga Pinchanudarula Nestham" cell in the office of the Deputy Director, District Treasuries, in each district: log in on the CFMS website with your pensioner ID, choose the type of grievance, describe it and upload papers. You get a grievance ID and an SMS. The sub-treasury officer must reply within 3 working days; if not, it goes up to the Deputy Director (7 days) and then to the Director of Treasuries and Accounts (7 working days).

    Prabhutvaudyoga Pinchanudarula Nestham, office of the Deputy Director, District Treasuries

    Sources: 11

    If you are asked for more moneyA digital life certificate through the postman costs only ₹70 (including GST); there is no charge for the home visit.

    A digital life certificate through the postman costs only ₹70 (including GST); there is no charge for the home visit. If asked for more, complain to the IPPB call centre on 155299.

    IPPB call centre · Open the official page

    Sources: 5, 6

    AlsoIf you are now a citizen of another country: a change of citizenship does not take away a central government pension, and you must give the yearly life certificate and the other certificates like everyone else.

    If you are now a citizen of another country: a change of citizenship does not take away a central government pension, and you must give the yearly life certificate and the other certificates like everyone else.

    The bank branch your pension comes through

    Sources: 7

    Find the office in your district →

    Related guides

    Report a mistake on this page
    The 14 official pages and papers this guide is written from
    1. FAQs on the Annual Life Certificate and Jeevan Pramaan (Digital Life Certificate) for pensionersUnique Identification Authority of India (UIDAI), Government of India, FAQs 1 and 5 (November; 80 and above from 1 October; valid till 30 November of the next year), 3 (Annexure-XIII form), 4 (ways, CSC SMS, ₹70 postman, ₹75 bank doorstep), 6-7 and 35 (late certificate, arrears, three years), 10, 14-16, 18-21, 28-29 (face authentication steps), 31-34. The file carries no date · read on 01-11-2026
    2. O.M. dated 30.07.2025: Comprehensive Guidelines for the Nation-wide Digital Life Certificate Campaign 4.0, 1-30 November 2025 (copy on the CAG of India’s website)Department of Pension & Pensioners' Welfare (DoPPW), Ministry of Personnel, Public Grievances & Pensions, Government of India, Para 1 (campaign every year, 1-30 November; State Governments through their Treasuries/Pension Disbursing Offices among the stakeholders); para 5(a) (80 and above in October); Annex 1, role of banks (DLC at any branch, physical certificate not refused) and 8, role of State Governments (camps at District Treasuries/Pension Disbursing Offices, home visits, grievance officers); Annex 2, SOP for face authentication (30-07-2025) · read on 01-11-2026
    3. Dr. Jitendra Singh, Hon'ble MOS to Launch Nationwide Digital Life Certificate Campaign 4.0 on November 5, 2025Press Information Bureau (Ministry of Personnel, Public Grievances & Pensions), Paras 6-8: face authentication on Android and iOS; pensioners of State Governments, EPFO and autonomous bodies also use Jeevan Pramaan (04-11-2025) · read on 01-11-2026
    4. Good News for Pensioners: Biometric-based Digital Life Certificate can be generated at Door Step through PostmanPress Information Bureau (Department of Posts, PIB Ahmedabad), Paras 1 and 3: post office or postman, ₹70, Central and State Government pensioners, details to give, SMS, certificate online after one day (12-11-2025) · read on 01-11-2026
    5. Digital Life Certificate for PensionerIndia Post Payments Bank (Department of Posts), About DLC Services (pensioners of central or state government whose pension disbursing agency is live for DLC); Important Points 1-2; the page also names "Employees' Provident Fund Organisation" pensioners · read on 01-11-2026
    6. Doorstep BankingIndia Post Payments Bank (Department of Posts), Services offered (Digital Life Certificate Generation "Jeevan Pramaan"); Doorstep Request Submission Process; Doorstep Banking Service Charges · read on 01-11-2026
    7. Scheme for Payment of Pensions to Central Government Civil Pensioners through Authorised Banks (Sixth Edition, 2026)Central Pension Accounting Office (CPAO), Office of the Controller General of Accounts, Department of Expenditure, Ministry of Finance, Government of India, Paras 17.1, 17.2(A)(iii), 17.2(C)(i)-(ii), 17.3(i)-(iii) (pensioners living abroad), 18.1-18.2 (NRI pensioners: NRO account; certificate from the embassy or consulate; documents by post with a doctor’s certificate), 18.8 and its note (change of citizenship; foreign national pensioners), 18.9 (pension paid in India, in rupees); 17.2(B) (banks' chargeable door-step service, on a nominal charge not exceeding Rs. 60), 17.2(C)(vi) (Doorstep Banking in the major cities; toll-free number 9152220220) · read on 01-11-2026
    8. Circular Memo No. 10393-A/79/PSC/2005, dated 19-10-2005: Pensions – disbursement of pension through banks – obtaining life certificate and other certificates from the pensioners – certain instructionsFinance (PSC) Department, Government of Andhra Pradesh (the combined state, before 2014); copy in the GOs Bank of the State Audit Department, Government of Telangana, Opening paras (G.O.Ms.No.1, Finance (PSC), 2.1.2001: certificates to the Sub-Treasury Office in person, by registered post or through the paying bank branch); instructions I(a)-(e) (name "Pensioners' Annual Verification Certificate"; photo, address, remarriage and non-employment certificates for family pensioners; November and December; Annual Verification Day), II (75 and above, ill or invalid: home visits by treasury and revenue officers), III (grievances; Pension Adalat in February and September), IV (pensioners abroad: through the Indian Consulate); Annexures I and II (19-10-2005) · read on 01-11-2026
    9. G.O.Rt.No.39, Finance (HR-III-Pension, GPF) Dept., 15-02-2023: Pension / family pension, simplification of mustering, options for Andhra Pradesh State Government pensioners to give the life certificate / digital life certificate, including the India Post Payments Bank (IPPB) doorstep serviceFinance (HR-III-Pension & GPF) Department, Government of Andhra Pradesh (A.P. Government Orders Issue Register), Paras 1-2 (digital life certificate with non-employment and non-remarriage / non-marriage certificates; January and February only from 2020, Circular Memo of 20-12-2018), 4-5 (IPPB assisted DLC, Rs.70 including taxes, a transaction), 6(d) (any one of: DLC through the Jeevan Pramaan portal by IPPB doorstep service, Mee-Seva centres / Common Services Centres, or pensioners' associations with a biometric device connected to Jeevan Pramaan; or direct mustering), 8 (a nodal officer in each District Treasury). A scanned order, read by OCR (15-02-2023) · read on 01-11-2026
    10. G.O.Rt.No.1721, Finance (HR-III-Pension & GPF) Dept., 05-05-2026: Service pension / family pension, simplification of mustering, options for producing the life certificate / digital life certificate / Annual Verification Certificate, facial recognition service in the NIDHI appFinance (HR-III-Pension & GPF) Department, Government of Andhra Pradesh (A.P. Government Orders Issue Register), Paras 1 (Treasury Code: life certificate at the bank or treasury, attested by a gazetted officer), 3 (January and February only; the options of G.O.Rt.No.39 of 2023), 4 (pensioners who do not give the AVC/LC in time have their pension stopped), 6-7 (AVC/LC by face recognition in the NIDHI mobile app: the "AVC" tile, check details, update employment / re-employment / marriage / re-marriage details, "AVC Authentication") (05-05-2026) · read on 01-11-2026
    11. G.O.Ms.No.51, Finance (HR-III-Pension-GPF) Dept., 28-05-2020: "Prabhutvaudyoga Pinchanudarula Nestham", a cell for pensioners' grievances in the office of the Deputy Director, District Treasuries, in every districtFinance (HR-III-Pension-GPF) Department, Government of Andhra Pradesh (A.P. Government Orders Issue Register), Para 4 (wrongly numbered 3): I-II (the cell and its district nodal officer, the Assistant Treasury Officer (Pensions)), VI(a)-(n) (log in on the CFMS website with the pensioner ID; grievance ID; SMS or mail; reply by the STO within 3 working days; escalation to the Deputy Director, District Treasuries (7 days) and the Director of Treasuries and Accounts (7 working days)) (28-05-2020) · read on 01-11-2026
    12. Pension Check listOffice of the Principal Accountant General (A&E), Andhra Pradesh (Comptroller and Auditor General of India), 'For Pensioners': submit the Annual Verification Certificate (life certificate) to the disbursing authority in time. The date is the page's 'last updated' (26-10-2020) · read on 01-11-2026
    13. NTR Bharosa Pension Scheme website: About (eligibility, sanction, distribution)Society for Elimination of Rural Poverty (SERP), Government of Andhra Pradesh, Tabs 'Distribution of Pensions' (tabs with biometric and iris devices for paying pensions every month) and 'Roles and Responsibilities' (Panchayat Secretary / Bill Collector pays on the 1st; bedridden at home) · read on 01-11-2026
    14. EPFO FAQsEmployees' Provident Fund Organisation (EPFO), Answer to "When and to whom the pensioner is to give a life and non-remarriage certificate?": pensioners under the Employees' Pension Scheme, 1995 give it "after 12 months from the month in which the pension was sanctioned or date of submission of last Life certificate", attested by the bank manager or a gazetted officer; the paper certificate goes to the bank that pays the pension; the pension stops if it is not given; the digital certificate with Aadhaar at Common Service Centres, branches of pension disbursing banks, post offices through IPPB and PF offices · read on 31-10-2026