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  1. Big relief for pensioners: EPFO and IPPB launch free doorstep digital life certificate service

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Big relief for pensioners: EPFO and IPPB launch free doorstep digital life certificate service

Upstox

2 min read | Updated on October 15, 2025, 08:58 IST

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SUMMARY

The Employees’ Provident Fund Organisation (EPFO) has partnered with India Post Payments Bank to offer free doorstep digital life certificate services to pensioners

epfo free digital life certificate

The timeline for submitting the annual Life Certificate depends on the pensioner's age. | Image: Shutterstock

In a move to make life easier for pensioners, especially those living in remote and rural areas, the Employees’ Provident Fund Organisation (EPFO) has approved a partnership with India Post Payments Bank (IPPB).

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As part of this initiative, EPFO will sign a Memorandum of Understanding (MoU) with IPPB to provide doorstep Digital Life Certificate (DLC) services to pensioners under the Employees' Pension Scheme, 1995 (EPS'95).

Under this service, EPS'95 pensioners will be able to submit their life certificates from the comfort of their homes using IPPB’s wide network of postal staff and technology. This eliminates the need for elderly pensioners to travel to bank branches or EPFO offices.

"This initiative will allow pensioners, especially in rural and remote areas, to submit their life certificates from home through IPPB’s vast postal network, free of charge. The partnership aims to enhance ease of living for elderly pensioners, ensure timely pension continuity, enable quicker family pension initiation and improve accuracy under the Centralised Pension Payment System (CPPS)," said Ministry of Labour & Employment in a press release.
The cost of each Digital Life Certificate, ₹50, will be fully paid by EPFO, so the service will be completely free for pensioners.
Key benefits of the initiative
  • Pensioners no longer need to leave their homes to submit their life certificate.

  • This is especially beneficial for those living in remote and rural areas.

  • Timely submission of the life certificate ensures uninterrupted pension disbursement.

  • Integration with the Centralised Pension Payment System (CPPS) ensures more accurate record-keeping and service delivery.

Life Certificate submission 2025 deadline

The timeline for submitting the annual Life Certificate depends on the pensioner's age. Super Senior Citizens, aged 80 and above, can start submitting their Life Certificate from October 1 each year. All other pensioners, below the age of 80, must wait until November 1 to begin submission. However, for all pensioners, regardless of age, the final deadline to submit the certificate is November 30.

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Upstox
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