India Post Payments Bank, EPFO sign MoU to deliver doorstep Digital Life Certificate service for pensioners: All you need to know

The India Post Payments Bank (IPPB) and the Employees’ Provident Fund Organisation (EPFO) have signed a Memorandum of Understanding (MoU) to provide doorstep Digital Life Certificate (DLC) services for pensioners under the Employees’ Pension Scheme, 1995. The initiative aims to make the process of verifying life certificates simpler, especially for elderly pensioners who face difficulty visiting banks or EPFO offices.

The MoU was exchanged between R Viswesvaran, Managing Director and Chief Executive Officer of IPPB, and Ramesh Krishnamurthi, Central Provident Fund Commissioner of EPFO, during the 73rd Foundation Day of EPFO in New Delhi. Union Minister for Labour & Employment and Youth Affairs & Sports Mansukh Mandaviya attended the event as Chief Guest, along with Vandana Gurnani, Secretary (Labour & Employment), Members of the Central Board of Trustees, and senior officials from both the Labour Ministry and the Department of Posts.

Free doorstep service through India Post network

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Under the partnership, IPPB will use its vast postal network - covering over 1.65 lakh post offices and more than three lakh postal service providers, including Postmen and Gramin Dak Sevaks to deliver the service directly to pensioners’ homes. Each postal employee will be equipped with Doorstep Banking devices, enabling the submission of Digital Life Certificates using face authentication and fingerprint biometric verification.

The EPFO will bear the entire cost of issuing these certificates, ensuring that the service remains completely free for pensioners. This step is expected to greatly ease the process for senior citizens, particularly in rural and semi-urban regions, where access to banks or EPFO offices can be limited.

‘Aligned with Digital India and Ease of Living vision’

R Viswesvaran, MD & CEO of IPPB, said the collaboration strengthens IPPB’s mission to take financial and citizen services to every doorstep in the country. “This partnership with EPFO reinforces our goal of making financial and pension services accessible to every citizen. With our technology-enabled postal network and trusted last-mile reach, pensioners can now complete their life certificate submission conveniently and with dignity. The initiative fully supports the Government of India’s ‘Digital India’ and ‘Ease of Living’ vision,” he said.

Background: Expanding digital access through Jeevan Pramaan

IPPB had launched its Doorstep Digital Life Certificate service in 2020 to generate Jeevan Pramaan - a digital certificate that verifies a pensioner’s life status through Aadhaar-based biometric authentication. Pensioners can either visit the nearest post office or contact their local postman or Gramin Dak Sevak to provide their Aadhaar number and pension details. Once verified, they receive a confirmation SMS, and the certificate becomes available for online viewing the next day on the Jeevan Pramaan website.

This service has significantly reduced the time and effort required for pension verification, especially for senior citizens with limited mobility. The collaboration with EPFO now expands its reach to millions of beneficiaries under the Employees’ Pension Scheme.

IPPB’s role in financial inclusion

Launched in 2018 under the Department of Posts, Ministry of Communications, IPPB is wholly owned by the Government of India. It operates with the aim of making banking services accessible, affordable, and trustworthy for every citizen. Its model leverages India’s extensive postal network, providing paperless, cashless, and presence-less banking through mobile and biometric technology.

With a presence across 5.5 lakh villages and towns, IPPB serves more than 11 crore customers. The bank continues to support the government’s goal of building a digital and inclusive financial ecosystem where every transaction counts, and every citizen is empowered.