EPS-95 Pensioners Update: If you are a pension recipient, this news is particularly important for you. It is mandatory for those receiving a pension under the EPS-95 scheme to submit a ‘Life Certificate’. A special campaign is being conducted in November 2026 for the submission of digital life certificates, running from November 1 to November 30, 2026.
The most significant aspect is that pensioners no longer need to visit a bank or an EPFO office every time to submit their life certificate. You can complete this process from the comfort of your home using your smartphone with ‘face authentication’. Additionally, a free doorstep service is available via the India Post Payments Bank (IPPB).
Why is a Life Certificate necessary?
A digital life certificate serves to verify that the pension recipient is alive. This verification ensures the continued disbursement of the pension. If the certificate is not submitted within the stipulated timeframe, the pension will not be credited to your account. Once the certificate is submitted and the system is updated, any withheld pension—along with the outstanding balance—can be recovered.
Submit your life certificate digitally from home.
Use the UMANG app for face authentication.
If you have a mobile phone, you can submit your life certificate via the UMANG app using face authentication. This method does not require a fingerprint scanner. You simply need to install the ‘Aadhaar Face RD’ app and the required life certificate application.
Next, enter your Aadhaar and pension-related details, and complete the face authentication process by positioning your face in front of your mobile camera. Once the verification is successful, a digital life certificate will be generated. Be sure to keep the receipt safe after the certificate is issued.
Use IPPB’s doorstep service.
For elderly pensioners who may be unable to submit their life certificate via a mobile phone, a doorstep service has been made available. To avail of this, you can request a doorstep service by calling 033-22029000 or the IPPB customer care number, 155299. Following this step, a postman or a Gramin Dak Sevak (rural postal service agent) will visit your home and assist you in generating your life certificate using the necessary documentation. IPPB provides this service completely free of charge.
How to submit via EPFO or a CSC centre
If you prefer not to use the online facility, you can visit your nearest EPFO office or a Common Service Center (CSC) to have your digital life certificate generated. There, the life certificate can be created through biometric verification. Information regarding the life certificate can also be obtained at banks and post offices.
Which Documents Required for a Life Certificate
Certain documents are required for a life certificate. These include your Aadhaar card, the mobile number linked to it, your PPO (Pension Payment Order) number, bank account details, other pension-related information, and your mobile number. The deadline for the special campaign in November 2024 is November 30.