Pension not to be denied for want of Aadhaar and non-submission of Life or non re-marriage certificate

Pension not to be denied for non-submission of Life Certificate or non re-marriage certificate for want of Aadhaar or fingerprint authentication failure

EPFO has issued a circular letter no. Pension-1117(10)2016-17/Jeevan Pramaan dated 09.04.2018 to all Pension Disbursing Banks, Director General, Postal Services regarding problems faced by Pensioners in submission  of Life Certificate/non  re-marriage certificate under EPS, 1995.

As per the agreement signed between EPFO and Banks for disbursement of pension under EPS 1995 lays down the duties & responsibilittes of banks including collection of Life Certificate/Non-re-marriage certificate annually in the month of November each year from pensioners and forwarding the same to EPFO field offices for necessary action . Concerned branches of the Banks were doing this exercise for collection of Life Certificate in paper.

From the year 2016, the Life Certificates are being obtained from the pensioners digitally as Jeevan Pramaan in place of the Life Certificate in paper form being submitted by the pensioners to the bank earlier.Submission of Jeevan Pramaan digitall y has been facilitated through UMANG APP in the mobile phones also.

Pension not to be denied for want of Aadhaar

According to the letter/circular, EPFO have received complaints from pensioners that they are being turned away and denied pensions for want of Aadhaar or Aadhaar fingerprint authentication not being successful due to poor fingerprint of the beneficiary or due to network/connectivity or other technical reasons. Because of this, pensioners are not able to get and submit Jeevan Pramaan.

This matter has been raised by the Petitioners in the ongoing Supreme Court case  on Aadhaar .

EPFO has invited attention to the Cabinet Secretariat’s OM No . D- 26011/04/2017-DBT , dated 19.12.2017 on “Usc of Aadhaar in Benefit Schemes of Government- Exception Handling” and asked Banks to handle the exceptions in the following manner:-

(A) Giving pension where Jeevan Pramaan can not be submitted on account of not possessing Aadhaar:

(i) Effort should be made to ensure that such pensioners are facilitated for Aadhaar enrolment. UIDAI has already directed that banks shall set up Aadhaar enrolment centers in 10 percent of their branches. The list of the bank branches with Aadhaar enrolment facilities, are available on The bank manager may coordinate with the bank branch where the Aadhaar enrolment facility is available and get the beneficiary enrolled for Aadhaar.

(ii) As per Aadhaar (Enrolment and Update)  Regulations 2016   banks should also make special arrangement  for the bed-ridden,  differently  abled, or senior citizens who are unable to visit the Aadhaar involvement Centre.

(iii) Till such time Aadhaar is assigned to such pensioners,  a paper life certificate may be accepted after collecting Aadhaar enrolment application receipts from such pensioners. After  due verification  through alternate identification documents as deemed necessary by the bank, pensions may be disbursed . An entry with necessary details such as paper life  certificate, Aadhaar enrolment application receipts etc may be recorded in an exception register  which should  preferably  be  maintained in an electronic form.

(B) Giving pension where fingerprint authentication fails 

(i) Banks may make provisions for IRIS scanner along with the fingerprint scanner in bank branches. It has been observed that in many cases IRIS authentication is successful even though finger print authentication may have failed . This is particularly true for many senior citizens. In such cases, digital life certificate may be generated on the basis of IRIS authentication and pension may be given.

(ii) In case where finger print or IRIS authentication is not feasible for any reason, an entry should be made in the exception register with reasons and pension may be provided on the basis of paper life certificate and physical Aadhaar card or E-Aadhaar card of the pensioner after due verification as deemed fit by the bank. QR Code on E-Aadhaar card downloaded after 1 April , 2018 has photograph and other demographic details which are digitally signed by UIDAI. A QR code scanner which works  even  offline  can  thus confirm the authenticity of a paper E-Aadhaar card.

(C) The exception register which would contain the details of exception granted in aforesaid paras alongwith paper life certificate, Aadhaar number or Aadhaar enrolment ID etc, maybe reviewed and audited periodically by senior management of the bank. The Life Certificate in physical form alongwith Aadhaar card, printed E-Aadhaar or Aadhaar enrolment application receipt of the pensioner should be forwarded to the concerned office of  EPFO on day to day basis.

Accordingly, EPFO has requested all P.F. Commissioners to issue suitable instruction  to field offices under their jurisdiction for taking necessary actions adopting the methodology explained  in the circular for acceptance of life certificate /non re-marriage certificate by the Banks and  release  of pension to pensioners.

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