Life Certificate Due: Don't Let Your Pension Stop

Every pensioner must submit a Digital Life Certificate once a year or risk their pension being paused. You can do it via app, doorstep service, or bank visit — here's exactly how.

Here's what happened: The annual Digital Life Certificate (Jeevan Pramaan) window opens in October for pensioners aged 80+ and from November 1 for all others — submission is mandatory to continue monthly pension credits.. Pensioners can submit through the Jeevan Pramaan mobile app using Aadhaar-linked biometrics, at a bank branch, Common Service Centre, or via India Post's paid doorstep service.. Defence pensioners under the SPARSH system must use the SPARSH portal or designated service centres — their records are on a separate platform not connected to the standard Jeevan Pramaan flow..

What you should do: Download the Jeevan Pramaan app from the Play Store, link your Aadhaar, and complete face or fingerprint authentication at home before the November deadline.. If you are 80 or above, submit in October itself — do not wait for November, as early submission protects your pension without any gap.. Defence retirees: log into the SPARSH portal (sparsh.defence.gov.in) or visit your nearest SPARSH facilitation centre — submitting through any other channel will NOT update your record..

After submitting, download the Pramaan ID receipt immediately — if your bank or pension office flags a discrepancy, this 11-digit ID is the only proof that your certificate was recorded successfully.

For readers weighing their credit and loan options, our personal loan guide and CIBIL score resources put this update in context.