Jeevan Pramaan Patra 2023 - Download, Online, & How to Apply

Many people rely on pension savings as their main source of income after retiring. Others use it as a second source of income to cover their expenditures.

Submitting a Jeevan Pramaan Patra/Life Certificate to the pension funding agency is one of the essential documents to ensure a smooth flow of pension money each month. Do you want to learn more about how it ensures that pension funds are received continuously?

What is Jeevan Pramaan Patra?

A biometrics-enabled digital service for retirees is called Jeevan Pramaan. Pensioners from federal, state, or government agencies can use this service.

The pension payments made by various governmental entities serve as the main source of income and sustainability for more than one billion pensioner families in India. About 50 lakh retirees from the Central Government and a comparable amount from the various State & UT Governments and other government organizations. Pensioners from numerous public sector organizations are included in this. Additionally, the amount of Army and Defense Personnel receiving pension exceeds $25 lakhs.

One of the main requirements for retirees is to submit life certificates to the approved pension disbursing organizations, such as banks and post offices, for their pension to be credited to their account. The person receiving the pension must either personally go before the pension issuing agency to obtain the life certificate or have the life certificate granted by the authority they previously served and have it forwarded to the disbursing agency.

The simple requirement of personally appearing before the disbursing agency or obtaining a life certificate frequently proves to be a significant barrier to the pensioner's smooth distribution of pension funds. It has been noticed that this leads to significant hardship and unneeded bother, especially for elderly and disabled pensioners who frequently cannot appear before the relevant authority to obtain their life certificate. In addition, many government workers decide to relocate once they retire to be closer to their families or for other reasons. It creates a significant logistical challenge regarding receiving their full pension amount.

The Government of India's Jeevan Pramaan Digital Life Certificate for Pensioners Scheme aims to solve this issue by digitizing the entire life certificate acquisition process. It intends to simplify the certification procedure for pensioners, making it hassle-free and considerably more straightforward. This project will make it unnecessary for retirees to physically appear before the issuing agency or the certification authority, which would greatly benefit pensioners and reduce unnecessary administrative burdens.

What Is the Purpose of the Jeevan Pramaan Patra?

It gives the pension issuing agency instructions to keep providing pension funds for another year. The pension won't be paid to the person's account until the certificate is submitted. The certificate can be filed every year between October 1 and November 30. You must physically be present at the pension issuing office to receive this certificate. If not, you can request that the certificate be provided by the institution where you previously worked and have it delivered to the organization.

What is A Digital Life Certificate?

The person applying for a pension must be available at the pension issuing organization. Due to people's advanced age, obtaining a life-proof document can be a challenging phase of receiving a pension. Due to their health issues, they might not always be able to visit the issuing agency. Additionally, many retirees decide to move and establish themselves in another area for various reasons. As a result, it will be difficult for them to access their pension money easily.

The Digital Life Certificate (DLC) for Pensioners Scheme, also known as Jeevan Pramaan, is a result of the Indian government incorporating technology innovation. It will simplify and streamline retirees' life certificate application procedure by digitizing it. This program removes the logistical barriers for seniors by relaxing the requirement to be physically available at the pension payment office.

How Do Online Services Operate?

Here is how to receive your DLC step-by-step:

Obtaining DLC First

Step 1: Get the "Jeevan Pramaan" mobile app or software for your Windows computer and Android smartphone, respectively.

Step 2: To register yourself, enter the required information, including your Aadhaar number, bank information, mobile number, pension payment order, and bank name.

Step 3: DLC needs an iris scan or fingerprint in addition to your attestation. The Aadhaar platform will already have the information. Therefore online biometric data will be used.

Step 4: A message acknowledging your application will be delivered to the registered phone number upon successful authentication. Your Jeevan Pramaan Patra online Certificate ID is included.

Step 5: Your certificate will be added to the Life Certificate Repository, making it accessible at all times to the pensioner and the organization in charge of disbursing pensions.

Step 6: Using the Pramaan ID, download the certificate in PDF format from the Jeevan Pramaan official website.

Life Certificate Submission Process

Following a circular released by the Department of Pension and Retirees' Welfare on September 20, 2021, seniors can submit the life certificate utilizing either the Doorstep Banking Alliance of 12 PSU banks or the Postal Department's Doorstep Service for submission of Digital Life Certificate.

Here's how to use these doorstep services to submit your life certificate.

Doorstep Banking Alliance: This partnership between 12 public sector banks aims to deliver services right to customers' doorsteps. SBI PNB, BOB, BOI, IOB, IB, P&SB, UCO, and Union Bank of India are some of the banks that are a part of the alliance. As part of its doorstep banking services, the alliance has launched a service for collecting life certificates.

How to use: A senior must first reserve the service using a mobile app, internet, or toll-free hotline. The doorman representative will go to the pensioner's home as per the appointment.

According to the website for the alliance, "In the current pandemic situation, it is difficult for clients, especially old pensioners, to visit a branch for Life Certificate submission. PSB Alliance has brought the Digital Life Certificate submission facility through Door Step Banking. Pensioners may book the service through any channels, i.e., DSB App/Web Portal/Toll-Free Numbers. DSB Agent will visit the customer's doorstep & collect the online Life Certificate using Jeevan Pramaan App.

On September 20, 2021, the Department of Pension & Pensioners' Welfare published an office memo outlining the numerous methods a retiree can use to submit the annual life certificate, or Jeevan Pramaan Patra, as it is more popularly called. The life certificate can be submitted physically (by going to the bank or post office or by using a doorstep service) or digitally. The life certificate, or Jeevan Pramaan Patra, can be submitted in the following five ways by pensioners. 

Electronic Submission

Pensioners can use the Jeevan Pramaan Portal ( to submit their life certificates online. To get the Jeevan Pramaan app through the portal, a pensioner must first download the Jeevan Pramaan app. Furthermore, a pensioner must submit their fingerprints via UIDAI-mandated equipment. The mobile phone can be connected to a fingerprint device.

The pensioner must register once they have downloaded the mobile app and obtained the required fingerprint device. The pensioner's Aadhaar number, mobile number, and email address must be provided during registration. The pensioner's cellphone number is optional for convenience to be linked to their Aadhaar number. To submit the digital life certificate, one can adhere to the instructions provided in the app.

Physical Visit Process

Visit a pension issuing bank and submit the properly filled form. This is one of the most popular ways to submit a life certificate. The bank counter has the forms on hand.

A life certificate can be submitted from home using the Doorstep Banking Partnership. Doorstep Banking (DSB) is an alliance of 12 public sector banks. The banks include PNB, Bank of Baroda, State Bank of India (SBI), and others.

According to the circular, this PSB partnership has launched a service for collecting life certificates under the DSB's auspices. The DSB representative will come to the pensioner's house to provide the service. The senior citizen can make a reservation for the service via a mobile app, online, or toll-free call.

  • You can get the mobile app from Google Playstore under the name "Doorstep Banking."

  • The service can be reserved at

  • A pensioner can schedule the service by calling the toll-free numbers 18001213721 or 18001037188.

Home delivery of a life certificate by the Mailman: In November 2020, the Department of Posts & the Ministry of Electronics & Information Technology (Meity) introduced the Doorstep Service for Home Delivery of a Digital Life Certificate by the Mailman. A pensioner must download the Postinfo App from Google Playstore in order to submit a life certificate through this feature.

Submission via the designated representative: According to the circular, if a pensioner submits a life certificate form that a "designated authority has signed," personal appearance is unnecessary. A pensioner who presents a life certificate in the appropriate format and has it signed by the appropriate parties is exempt from personal appearance, as stated in paragraph 14.3 of the Scheme manual published by the Central Pension Accounting Office (CPAO).

How Does the Jeevan Pramaan Patra Work?

An Aadhaar-based biometric authentication is used in Jeevan Pramaan. Upon successful authentication, the pension Jeevan Pramaan Patra online is generated and saved in the life certificate repository. Such life certificates are always available online to the pension disbursing organization.

  • Life Certificate Generation - You can either use the PC/mobile application or go to the closest Jeevan Pramaan Center. You must provide information to register yourself, including your Adhaar number, bank account number, active mobile number, and bank name.

  • Aadhaar Authentication: You must submit a biometric in order to prove your identity. You can use either your fingerprints or your iris as a biometric. Online authentication is performed using the Aadhaar platform.

  • Life Certificate - You will get an SMS after successful authentication. Your Jeevan Pramaan Certificate ID is provided in the SMS, which serves as an acknowledgment of certification. The Life Certificate Repository will keep your certificate on file. It will be accessible to pensioners and pension disbursing organizations 24/7, wherever.

  • Check out your certificate; enter your Jeevan Pramaan Certificate ID on the Jeevan Pramaan website to download the PDF version of the certificate.

  • Electronic Delivery - The certificate could be sent directly from the computer to the organizations responsible for paying pensions. However, it must get in touch with the Jeevan Pramaan team to utilize this service.

Who Is Eligible for Jeevan Pramaan Patra?

Anyone who meets the eligibility requirements listed below may choose Jeevan Pramaan Patra:

You are a qualified pensioner.

  • You previously worked for the central government, state and local governments, or several other institutions of higher learning.

  • Your Aadhaar is registered with the appropriate pension disbursing authorities and is legitimate.

Digital Life Certificate Advantages

  • Jeevan Pramaan Patra effectively substitutes the time-consuming and tedious process of either presenting oneself or obtaining a certificate from the previous employer, as was intended.

  • The pension collection process is streamlined and frictionless with the substitution of this manual procedure.

  • Since the biometric information is based on the pensioner's Aadhaar, the likelihood of fraud is extremely minimal.

  • The pension income credit occurs automatically after the DLC is submitted to the disbursing authority.

  • The Income Tax Act recognizes the Digital Life Certificates.

Where to Find a Jeevan Pramaan Center?

  • The Jeevan Pramaan website can be accessed.

  • The 'Locate a Center' option should be selected.

  • You have the option of location searching using a pin code.

  • Choose the location type, state, and district from the location drop-down menu.

  • A google map and the complete address will be displayed on the screen along with the findings.

  • Additionally, you can use this PDF to look for a recognized center.

Frequently Asked Questions (FAQs):

Q. Are the Citizen Service Centers (CSCs) located?

By selecting 'Locate a Center' on the portal, you can search for the closest CSC. Additionally, you can SMS 7738299899. Mention the keyword 'JPL' at the beginning of the SMS body. Now, specify your pin code after a space. Use JPL 560108 as an example and fax it to 7738299899.

Q. Is the Jeevan Pramaan and Pramaan ID valid forever?

The Jeevan Pramaan and the Pramaan ID are NOT perpetual. The Pension Sanctioning Authority determines the validity period. When the validity term expires, you must get a new Pramaan ID and a new Jeevan Pramaan Certificate.

Do I need to give my bank, post office, or other institution the Jeevan Pramaan or DLC?

You don't need to give the DLC to the bank, post office, or pension disbursing organization. Additionally, each agency/office has instant access to the pensioner's DLC via electronic means. Anytime they want, they can view or download the certificate.

What should I do if I receive a text message that my Jeevan Pramaan has been rejected?

You must contact your Pension Disbursing Agency immediately if your Jeevan Pramaan is rejected. Only if you generate the DLC with inaccurate or partial information will the authorities be able to reject your Jeevan Pramaan. However, if you provide accurate and comprehensive information together with your biometrics, you can create a new Pramaan-ID.

Q. Can I use a Digital Life Certificate?

A Digital Life Certificate is, in fact, a legitimate document. The Income Tax Act recognizes the life certificate. The approach favors the pensioner by requiring them to appear in person before the pension disbursing authority to demonstrate their existence.

Can a pensioner who has remarried or found new employment uses the Jeevan Pramaan, or Digital Life Certificate, facility?

No, a pensioner who has remarried or re-entered the workforce is not eligible to use the Jeevan Pramaan/Digital Life Certificate service. 

Does generating a Jeevan Pramaan, or digital life certificate, require an Aadhaar number?

To generate or get the Jeevan Pramaan, or Digital Life Certificate, an Aadhaar number is required. Your Aadhaar number is a source for Iris or fingerprint biometric authentication.

Q. What has changed in Jeevan Pramaan 3.0 and later?

The UIDAI has decided to stop using 'public biometric devices.' For Aadhaar enabled Authentication, only 'Registered Biometric Devices' would be permitted. To address this, UIDAI unveiled a new Aadhaar Authentication Framework. The UIDAI has also released a new version of the Jeevan Pramaan Application, version 3.0, to enable the new Aadhaar Authentication Framework.

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