For many retirees, pension works as the only source of income. This not only helps them in meeting their daily requirements but also dealing with monetary crunch in case of financial emergencies. To support retired individuals, the Government of India has come up with several pension schemes over the years. One such scheme is the Jeevan Pramaan Certificate. However, to avail one, individuals are required to furnish a life certificate to the agency that is authorised for pension disbursal.
Since the process of acquiring a life certificate used to get quite hectic and time-consuming, the Central Government decided to launch the Jeevan Pramaan app.
Jeevan Pramaan is the result of the Central Government’s Digital India initiative. The main purpose of launching this digital platform was to make it easier for pensioners to apply for a Jeevan Pramaan Patra online and avail of pension schemes. This process does not require individuals to visit any disbursement agency to generate this document.
Furthermore, this particular procedure is secure as it involves obtaining biometrics of retirees for authentication. The pension disbursing agency can access this document directly as it is available at the Life Certificate Repository. Both certification authorities and pensioners get to access the document any time, from anywhere.
To get the Jeevan Pramaan Patra delivered, no manual intervention is required, and one can collect it from a pension disbursement agency. For this, individuals can make use of the ‘Centre Locator’ feature of the Jeevan Pramaan app and find the nearest centre.
One has to fulfil the following criteria to be eligible for Jeevan Pramaan Patra:
By having a Jeevan Pramaan Patra, pensioners get these advantages;
Other than these, the arrival of this online facility further helps pensioners remain aware of important updates. With the SMS notification feature, they get notified regarding any kind of changes every time.
Jeevan Praman Patra uses Aadhaar-based biometric authentication. Upon successful authentication, the life certificate is generated and stored in the digital life certificate archive. The pension disbursing agency can access any information regarding life certificates from that archive anytime.
The following Steps are in which Jeevan Praman Patra works:
You have to register yourself on the Jeevan Praman Patra portal by providing details such as your Aadhaar number, bank account number, name of the bank, mobile number and pension payment order. You can do so online by downloading the mobile/PC application or offline by visiting the nearest Jeevan Pramaan Centre.
To authenticate yourself on the Aadhaar platform you have to provide your fingerprint or Iris scan as a biometric.
Upon successful authentication, you will receive an SMS which will contain your unique Jeevan Pramaan Certificate ID. This works as an acknowledgement receipt. Your life certificate is stored in an online life certificate archive and is accessible by the pensioner and the pension disbursing agency.
You can download the PDF version of the certificate by providing the Jeevan Pramaan ID on the website. The pension disbursing can do the same.
The life certificate can be digitally delivered to the pension disbursing agency without any manual interference. However, the agency should contact the Jeevan Pramaan team to enable such a service.
Jeevan Pramaan can be accessed by any individual who has worked for any Central or State Government organisation. With this facility, you can avoid visiting any pension disbursement agency and provide evidence of your existence. However, there are certain eligibility requirements for this. Let’s check them out.
Other than meeting these basic eligibility parameters, individuals need to possess certain documents to benefit from this facility. Every pensioner must keep his/her Aadhaar card handy in order to generate a jeevan pramaan patra using Jeevan Pramaan app. Apart from that, having an operational mobile number will be necessary.
You have to go through the following process to register for Jeevan Pramaan.
A pensioner will require the following documents to get a Jeevan Pramaan Patra:
Here are the steps every pensioner needs to follow to complete the registration on the Jeevan Pramaan app and obtain a jeevan pramaan patra:
After the generation of your life certificate, it will be available for both you and the pension disbursing agency on the app.
Also Read: Taxability of Pension: Is Pension Taxable?
A pensioner should take note of the following points for Jeevan Pramaan Patra:
It is evident that the entire process of obtaining a life certificate and even getting a physical copy of it has become hassle-free. Note that Jeevan Pramaan is entirely dependent on the biometric details of pensioners. Therefore, make sure you are providing all the accurate information while applying for your Aadhaar.
Ans: Any individual who is remarried or reemployed is ineligible to apply for Jeevan Pramaan. Such individuals must provide their life certificates in the normal manner to the pension disbursing authority. Apart from these two groups, all others will qualify for Jeevan Pramaan.
Ans: Your Jeevan Pramaan or Pramaan ID is not valid for life. The Pension Sanctioning Authority determines the validity of such an ID. After the expiry of your Jeevan Pramaan ID, you need to obtain a fresh certificate.
Ans: In case of rejection, you should contact the pension disbursing agency immediately. Rejection of such a certificate only occurs if you provide the wrong details or information. To generate a new Jeevan Pramaan ID, make sure you provide accurate details in the application.
Ans: To acquire a Jeevan Pramaan, a pensioner does not need to visit a pension disbursing officer personally. Similarly, you do not need to submit this digital life certificate application physically at the bank or post office. The last difference is that a digital Jeevan Pramaan comes with a unique Pramaan ID.
Ans: It is not mandatory for a pensioner to possess a digital life certificate or Jeevan Pramaan. The facility of an electronic life certificate is an add-on feature that eases life certificate procurement. However, if you possess a standard life certificate, this document will be sufficient to claim your pension.
Disclaimer: Mutual Fund investments are subject to market risks, read all scheme-related documents carefully.
This article has been prepared on the basis of internal data, publicly available information and other sources believed to be reliable. The information contained in this article is for general purposes only and not a complete disclosure of every material fact. It should not be construed as investment advice to any party. The article does not warrant the completeness or accuracy of the information, and disclaims all liabilities, losses and damages arising out of the use of this information. Readers shall be fully liable/responsible for any decision taken on the basis of this article.
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