📰 Annual Life Certificate 2025: Simplified Submission Options for Central Government Pensioners
Every Central Government pensioner must submit an Annual Life Certificate (ALC) each year to continue receiving their pension without interruption. The Department of Pension & Pensioners’ Welfare (DoPPW) has recently released a new Office Memorandum (F. No. 11/1/2025-P&PW(H)-V dated 31st October 2025) simplifying and expanding the options available for submission of Life Certificates.
This article explains the key highlights, available submission modes, and special provisions for senior pensioners.
🗓️ When to Submit the Annual Life Certificate
As per government norms, pensioners are required to submit their Annual Life Certificate in November every year.
However, to make the process easier for very senior pensioners (aged 80 years and above), the government allows them to submit their Life Certificate from 1st October onwards. This early window helps avoid the rush at banks during November.
🧾 Various Methods to Submit Annual Life Certificate
The Government has made multiple offline and online options available for pensioners to submit their Life Certificates. You can choose any method that suits your convenience.
1️⃣ Submission at Bank or Pension Disbursing Authority (PDA)
- Pensioners can visit their bank branch or PDA in person and submit the Life Certificate manually.
- If physical presence is not possible, pensioners can submit a form signed by any designated official (such as a gazetted officer, magistrate, or bank officer).
- The list of designated officials is provided in Annexure-I of the CPAO Scheme Booklet.
2️⃣ Digital Submission through Jeevan Pramaan Portal
- Pensioners can submit their Digital Life Certificate (DLC) using the Jeevan Pramaan Portal.
- This requires a biometric device linked to Aadhaar.
- Pensioners can check approved biometric devices on UIDAI’s website.
3️⃣ Face Authentication via Mobile App
- A simpler method is available through the Jeevan Pramaan Face Authentication App, which uses Aadhaar-based technology.
- Pensioners can generate their DLC using their smartphone camera — no biometric device is needed.
- Detailed instructions are available on this video:
4️⃣ Doorstep Submission through India Post Payments Bank (IPPB)
- The India Post Payments Bank (IPPB), in collaboration with MeitY, offers Doorstep Service for Digital Life Certificate Submission.
- Over 1.89 lakh Postmen and Gramin Dak Sevaks are equipped with smartphones and biometric devices to assist pensioners at their doorstep.
- Pensioners can book doorstep service through:
- Post Info App (Android/iOS)
- Nearest Post Office
- Email: contact@ippbonline.in
5️⃣ Doorstep Banking via PSB Alliance
- Pensioners can also avail the Doorstep Banking service through the PSB Alliance, a group of public sector banks.
- The service allows pensioners to request a bank representative to visit their home for collecting Life Certificates.
- Booking options:
- Mobile App: “Doorstep Banking” (Google Play / App Store)
- Website: https://psballiance.com/doorstep-banking.html
- Toll-Free Number: 📞 91 52220220
🏦 Important Instructions for Banks and Authorities
All Pension Disbursing Authorities (PDAs) have been instructed to follow these updated guidelines and ensure wide publicity so that pensioners are well-informed of the available options.
✅ Key Takeaways
- Pensioners aged below 80 years → Submit Life Certificate in November 2025.
- Pensioners aged 80 years and above → Can submit from 1st October 2025 onwards.
- Multiple easy modes: Offline, Online, Mobile App, or Doorstep Service.
- No need for physical presence if certified by a designated official.