To promote financial security post-retirement, the Government of India has introduced various pension schemes designed to support individuals in building a retirement corpus. These schemes aim to empower individuals with financial independence during their retirement years. However, to receive the pension benefits from these schemes, pensioners are required to provide a “Life Certificate” to confirm their existence to the pension disbursing agency. Traditionally, obtaining this Life Certificate involved lengthy and cumbersome procedures, often necessitating the physical presence of elderly pensioners at authorized agencies. For those who are elderly, infirm, or geographically distant from these centers, this process could be both inconvenient and challenging.
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To simplify this process and address the issues faced by pensioners, the Government of India introduced the Digital Life Certificate, popularly known as “Jeevan Pramaan Patra.” This online system has modernized the way pensioners can verify their status, removing the need for in-person visits and streamlining the process.
What is the Jeevan Pramaan Patra?
The Jeevan Pramaan Certificate is a digital Life Certificate initiated by the Government of India under its Pension Scheme. It is an Aadhaar-based digital service that relies on a biometric authentication system, offering pensioners an easy, convenient, and secure method to submit their Life Certificates. By using the Jeevan Pramaan system, pensioners can easily submit their certificates, allowing them to receive pension payments directly into their accounts without facing any procedural delays or hurdles. This digital initiative has transformed the process of obtaining a Life Certificate, making it both efficient and accessible.
How Does the Jeevan Pramaan Patra System Work?
Jeevan Pramaan Patra operates entirely digitally, thus eliminating the need for pensioners to visit a certification authority or pension disbursal agency physically. It leverages the Aadhaar platform, where the generation of a Digital Life Certificate is initiated through biometric authentication. Pensioners are required to verify their identity through biometric data, either by fingerprint or iris scan, which ensures a secure authentication process. Once the authentication is successfully completed, the digital Life Certificate is generated and stored in a secure Life Certificate Repository. The certificate is accessible not only to the pensioner but also to the pension disbursing agency, which can retrieve it directly from the repository as needed.
After the authentication process, pensioners receive an SMS confirmation with their Jeevan Pramaan Certificate ID on their registered mobile numbers. This digital Life Certificate remains available in the repository, and both pensioners and authorized agencies can access it from anywhere, eliminating geographical constraints and unnecessary delays. Pensioners can also have their Life Certificate delivered directly to the pension disbursing agency without needing to do so manually. Additionally, a center locator on the Jeevan Pramaan website helps pensioners locate the nearest Jeevan Pramaan center for assistance if needed.
The registration process for Jeevan Pramaan Patra is straightforward and requires only a few steps:
New Registration: Open the Jeevan Pramaan app and select the “New Registration” option to start the registration process.
Provide Necessary Details: Pensioners need to provide details related to their Aadhaar card, pension payment order, and bank information.
OTP Verification: To authenticate, click on “Send OTP” to generate a one-time password (OTP) on the registered mobile number.
Biometric Verification: Once the OTP is entered, pensioners must complete biometric verification using Aadhaar-linked fingerprints or iris data.
After submitting these details, the Unique Identification Authority of India (UIDAI) verifies the data, and a Jeevan Pramaan ID is generated upon successful registration.
Enrolling for the Jeevan Pramaan Certificate
Pensioners have two options for enrolling for the Jeevan Pramaan Certificate. They can either:
Download the App: Individuals can enroll using either the mobile application or the PC application for Jeevan Pramaan.
Visit a Jeevan Pramaan Center: Pensioners can also visit a Jeevan Pramaan center nearby, where they can register in person. Banks, government offices, and Common Service Centers (CSCs) across the country serve as Jeevan Pramaan centers. At these centers, pensioners must provide essential details, including Aadhaar number, bank name, account number, pension payment order (PPO) number, and a registered mobile number.
Step-by-Step Process to Generate Jeevan Pramaan Patra Online
Once registered, pensioners can use the Jeevan Pramaan Patra online system to generate and submit their Digital Life Certificate:
Access the Jeevan Pramaan App: After downloading the Jeevan Pramaan app, pensioners must first locate the registration option and select it.
Provide Personal Information: Enter the Aadhaar number, full name, bank account number, pension payment order (PPO) number, and other relevant personal details. The app then prompts an OTP to be sent to the registered mobile number.
OTP Verification: Pensioners should select the option to receive an OTP, which is sent to their registered mobile number. After entering the OTP, further verification is carried out via Aadhaar.
Generating the Pramaan ID: Once the OTP is verified, the submit button generates a Pramaan ID, allowing pensioners to continue the application process.
Steps to Apply Online for Jeevan Pramaan Patra
After obtaining the Pramaan ID, pensioners can proceed with the Jeevan Pramaan Patra application:
Log In with the Pramaan ID: Using the Pramaan ID and a new OTP, the pensioner can log in to the app to proceed with the application.
Generate Jeevan Pramaan Certificate: Choose the “Generate Jeevan Pramaan” option, and enter the Aadhaar number and mobile number.
Verify with OTP and Provide Additional Information: A new OTP will be generated for verification, after which pensioners must input their PPO number, disbursing agency’s name, and other necessary information.
Complete Biometric Authentication: Using Aadhaar-linked fingerprint or iris data, pensioners complete the biometric verification process.
Digital Certificate Generation: After biometric verification, the Jeevan Pramaan Certificate is displayed on the app screen, and a confirmation SMS is sent to the registered mobile number.
Who Can Benefit from Jeevan Pramaan?
Jeevan Pramaan Patra is a beneficial digital service for all pensioners who receive pensions from the central government, state government, or other government organizations. Recognized under the IT Act, it eliminates the need for pensioners to visit a physical disbursal agency to verify their existence. This is especially advantageous for elderly and ailing pensioners who might find it difficult to travel to physical locations for verification.
Required Documents for Jeevan Pramaan Patra
To generate a Jeevan Pramaan Patra online, pensioners need the following documents:
A valid Aadhaar number
A registered and operational mobile phone number
Before applying for Jeevan Pramaan Patra, pensioners must register with the official Jeevan Pramaan portal.
Eligibility Criteria for Jeevan Pramaan Patra
To be eligible for the Jeevan Pramaan Certificate, applicants must meet certain conditions:
They should be retired and receiving a pension.
They must be a retired employee of either the Central or State Government.
They should possess a valid Aadhaar card.
Their Aadhaar number must be registered with their respective pension disbursement agency.
Benefits of Jeevan Pramaan Patra
Jeevan Pramaan Patra offers numerous advantages:
Ease of Submission: Jeevan Pramaan simplifies the process of submitting Digital Life Certificates, ensuring pensioners can complete the process without physically visiting offices.
Security through Biometric Verification: With Aadhaar-based biometric authentication, the possibility of fraudulent activities related to pensions is minimized.
Instant Notifications: Pensioners receive SMS notifications regarding the certificate generation, keeping them informed about the status of their Life Certificate.
Convenient Accessibility: The process is user-friendly, allowing easy access to life certificates online. Pensioners and pension disbursal agencies can access the certificates anytime and from anywhere, enabling faster and more reliable transactions.
Prompt Pension Processing: The Jeevan Pramaan system expedites pension disbursements, ensuring that pensioners receive their funds promptly without the delays of manual verification.
Conclusion
Jeevan Pramaan Patra is an exemplary digital initiative by the Government of India, designed to support pensioners with efficient, reliable, and accessible solutions for their financial independence.
