GOVERNMENT OF INDIA

DEPARTMENT OF PENSION & PENSIONERS’ WELFARE

Retirement Benefits
in One Click
Our Efforts Towards Dignified Retirement
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Dr. Kshatrapati Shivaji, IAS
GOVERNMENT OF INDIA,
Secretary
MINISTRY OF PERSONNEL, PUDLIC GRIEVANCES
Tel.: 011-23742133
& PENSIONS,
Fax: 011-23742546 DEPARTMENT OF PENSION & PENSIONERS' WELFARE
Email : [email protected] LOK NAYAK BHAWAN, KHAN MARKET,
NEW DELHl-110003

FOREWORD
Department of Pension and Pensioners Welfare has been leveraging technology year after
year, to make the system seamless and more and more convenient for the elderly Pensioners, while
taking other steps for bringing about changes in pension policy towards providing life of dignity
for them and their dependents. Some of major initiatives/support measures taken in this regard
include providing Doorstep Service for submission of Digital Life Certificate through Postal
Department besides the facility to submit life certificate online through Jeevan Pramaan Portal.
This is considered to be a step towards making the Pensioners "Atamnirbhar" as the DLC can now
be given from the comfort of one's home also.

Over a past few years, this Department has also taken a number of decisions to liberalize
and simplify the rules and procedure to make the life of our honored pensioners and their
dependents simpler and dignified. Rules have been relaxed for divorced daughters to receive
Family Pension and now a daughter is entitled to receive the Family Pension even if the divorce
has not finally taken place but the divorce petition had been filed by her during the lifetime of
her deceased parent employee/pensioner. Earlier Rule provided for payment of Family Pension
to a divorced daughter only if the divorce had taken place during the lifetime of deceased parent
pensioner or his spouse. The new Rule not only bring ease in the life of pension receiving
individuals but also ensure respectable and equitable rights for the divorced daughters in the
society. Rule 64 of CCS (Pension) Rules, 1972, was relaxed in order to ensure immediate
provisional sanction of pensionary benefits amid the unprecedented situation of COVID-19,
wherever an employee is likely to retire before finalization of his dues or is unable to submit the
pension claim form.. The Government has very recently made amendment of income criteria for
grant of family pension to children/siblings suffering from a mental or physical disability.

While the DOPPW has been striving to bring about, from time to time, necessary changes, it is
all the more important to keep the pensioners aware about various developments in the pension
administration system. Keeping this in view the Department has now decided to bring about
Booklet titled "Retirement Benefits in One Click", which I am sure, will be helpful in creating
awareness amongst pensioners. It will also serve as guide for officers and dealing staff dealing
with pension related matters in Ministries/Department/Organisation.
I am happy and proud to release this Booklet of Department of Pension and Pensioners Welfare
which will be a help in determining the retirement benefits entitlements of Pensioners and their
dependents.

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Kshatrapa1i � b I 3.J ()

Please visit our website : https://doppw.gov.in, https:i/bhavishya.nic.in

 INDEX

1. PENSION Pg-3 to 25

2. GRATUITY Pg-26 to 47

3. COMMUTATION Pg-48 to 54

4. PENSION PAYMENT PROCEDURE Pg-55

5. PENSION ACCOUNT & DECLARATIONS Pg-56 to 70

6. LIFE CERTIFICATE Pg-71 to 92

7. TRAVELLING ALLOWANCE Pg-93 to 107

8. CGEIS Pg-108 to 122

9. LEAVE ENCASHMENT Pg-123 to 127

10. GPF Pg-128 to 137

11. FIXED MEDICAL ALLOWANCE Pg-138 to 142

12. LIST OF RECENT PENSION POLICY REFORMS Pg-143 to 189

 PENSION
1. A Government servant becomes eligible for a pension under any of the following
circumstances-
a. Superannuation Pension (Rule 35) : On superannuation after completion of 10 years of service.
b. Retiring Pension (Rule 36): Payable on :
• Voluntary retirement after completion of qualifying service of 30 years under Rule 48 or
completion of qualifying service of 20 years under Rule 48-A of CCS(Pension) Rules.
• Voluntary retirement under FR 56(k) after attaining the age of 50 years (in the case of Group A
& B) / 55 years (in the case of Group C).
• Voluntary retirement after transfer to surplus cell of DoPT consequent on abolition of post held
by the Government servant (Rule 29-A of CCS (Pension) Rules.
• Premature retirement, on grounds of efficiency, under Rule 48 of CCS (Pension) Rules after
completion of qualifying service of 30 years and under FR 56(J) after attaining the age of 50
years (in the case of Group A & B)/ 55 years (in the case of Group C).
c. Pension on absorption (Rule 37, 37-A and 37-B): On absorption in a PSU/Autonomous Body,
on selection against open advertisement or on en-bloc absorption on conversion of a
Government Department into a PSU/Autonomous Body.

d. Invalid Pension (Rule 38): On a Government servant opting to retire on account of any bodily or
mental infirmity which permanently incapacitates him for the service. Invalid Pension is admissible
even in cases where a Government servant retires before completion of a qualifying service
of ten years.

e. Compensation Pension (Rule 39): On discharge of a Government servant owing to the abolition of his
permanent post.

f. Compulsory Retirement Pension (Rule 40): On imposition of a penalty of Compulsory

Retirement consequent on any departmental proceedings or on conviction by a court of law in
a judicial proceedings. The amount of pension in such cases shall not be less than two-thirds
of compensation pension.

g. Compassionate Allowance (Rule 41): On dismissal/removal from service in departmental/

judicial proceedings, Government servant loses his right to pension. However, in cases deserving
of special consideration, competent authority may sanction a compassionate allowance not more
than two thirds of compensation pension but not less than the minimum pension (i.e Rs. 9000/- per
month).

2. Resignation (other than technical resignation to join other departments/

organisation with proper permission) entails forfeiture of past service. Therefore,
no pension is payable on resignation (Rule 26).

3. A Government servant is entitled to receive only Service Gratuity in lieu of Pension,

if his total qualifying service is less than 10 years. This is one-time lumpsum
payment in lieu of pension and is distinct from and is paid over and above the
Retirement Gratuity.

Pg-3
4. The amount of pension under the Central Civil Services (Pension) Rules, 1972 in all
cases is 50 per cent of the emoluments (last pay drawn) or 50 per cent of the
average emoluments (average of last 10 months’ pay), whichever is more beneficial to
the retiring Government servant (Rule 49).

5. In calculating the length of qualifying service, fraction of a year equal to three

months and above shall be treated as a completed one half-year and reckoned as
qualifying service

6. While issuing PPO to Central Government employee on retirement , family Pension is also
authorized in PPO to spouse. The spouse has to submit an application along with
the death certificate to the Pension paying Bank, if his/her name is indicated in PPO
and having joint account with the deceased pensioner for commencement of family
pension.

7. The President may withhold or withdraw a pension or a part of it,

permanently or for a specified period. However, UPSC (Union Public Service
Commission) shall be consulted before passing the final order.

8. In the case of Government servant who has retired on attaining the age
of superannuation and against, whom any departmental or judicial proceedings
are continued, a provisional pension shall be sanctioned to him till the
conclusion of proceedings/order .

9. If a pensioner who immediately before his retirement was a member of Central

Service Group ‘A' wishes to accept any commercial employment before the expiry of
one year from the date of his retirement, he shall obtain the previous sanction of the
Government to such acceptance .

10. The Head of Office in consultation with the Accounts Officer shall, verify the
service rendered by such a Government servant on completion of eighteen years
and on his being left with five years of service before the date of retirement. The
period of qualifying service shall be communicated to him, in Form 24.

11. The expression ‘emoluments' means basic pay (excluding DA)which a

Government servant was receiving immediately before his retirement or on the date of
his death and will also include non-practising allowance granted to medical officer in
lieu of private practice.

12. If a Government servant immediately before his retirement or death while in service,
was on earned leave, and earned an increment which was not withheld, such
increment, though not actually drawn, shall form part of his emoluments.

Pg-4
13. Additional pension shall be payable to the retired Government servant after completion of
eighty years of age or above. It shall be payable from first day of the calendar month in
which it falls due in following manner :

Age of Pensioner Additional Pension

80 years to less than 85 years 20% of basic pension

85 years to less than 90 years 30% of basic pension
90 years to less than 95 years 40% of basic pension
95 years to less than 100 years 50% of basic pension
100 years or more 100% of basic pension

Pg-5 Index
Rule 35 of CCS ( Pension ) Rules :
Superannuation pension A superannuation pension shall be granted to a Government
servant who is retired on his attaining the age of compulsory retirement.

Pg-6 Back
Rule 48 of CCS (pension) Rules

Retirement on completion of 30 years' qualifying service

(1)At any time after a Government servant has completed thirty years' qualifying service,
(a)he may retire from service, or
(b)he may be required by the appointing authority to retire in the public interest, and in the
case of such retirement the Government servant shall be entitled to a retiring pension:
completed thirty years' qualifying service -Provided that –
(a)a Government servant shall give a notice in writing to the appointing authority at least
three months before the date on which he wishes to retire; and
(b)the appointing authority may also give a notice in writing to a Government servant at
least three months before the date on which he is required to retire in the public interest or
three months' pay and allowances in lieu of such notice.

Rule 48(A) of CCS (Pension ) Rules : Retirement on completion of 20 years' qualifying service

(i) At any time after a Government servant has completed twenty years' qualifying
service, he may, by giving notice of not less than three months in writing to the appointing
authority, retire from service.

(ii) The notice of voluntary retirement given under sub-rule (1) shall require acceptance
by the appointing authority :Provided that where the appointing authority does not refuse
to grant the permission for retirement before the expiry of the period specified in the said
notice, the retirement shall become effective from the date of expiry of the said period.

(iii) Government servant referred to in sub-rule (1) may make a request in writing to the
appointing authority to accept notice of voluntary retirement of less than three months
giving reasons therefor ;

(b) on receipt of a request under clause (a), the appointing authority subject to the
provisions of sub-rule (2), may consider such request for the curtailment of the period of
notice of three months on merits and if it is satisfied that the curtailment of the period of
notice will not cause any administrative inconvenience, the appointing authority may relax
the requirement of notice of three months on the condition that the Government servant
shall not apply for commutation of a part of his pension before the expiry of the period of
notice of three months.

(4) Government servant, who has elected to retire under this rule and has given the
necessary notice to that effect to the appointing authority, shall be precluded from
withdrawing his notice except with the specific approval of such authority :Provided that the
request for withdrawal shall be made before the intended date of his retirement .

Pg-7 Back
37.Pension on absorption in or under a corporation, company or body

(1) A Government servant who has been permitted to be absorbed in a service or post in
or under a Corporation or Company wholly or substantially owned or controlled by the
Central Government or a State Government or in or under a Body controlled or financed
by the Central Government or a State Government, shall be deemed to have retired from
service from the date of such absorption and subject to sub-rule (3) he shall be eligible to
receive retirement benefits if any, from such date as may be determined, in accordance
with the orders of the Central Government applicable to him ]
.EXPLANATION. -Date of absorption shall be –

(i) In case a Government employee joins a corporation or company or body on immediate

absorption basis, the date on which he actually joins that corporation or company or body;

(ii)in case a Government employee initially joins a corporation or company or body on

foreign service terms by retaining a lien under the Government, the date from which his
unqualified resignation is accepted by the Government.

(2)The provisions of sub-rule (1) shall also apply to Central Government servants who are
permitted to be absorbed in joint sector undertakings, wholly under the joint control of
Central Government and State Governments/Union Territory Administrations or under the
joint control of two or more State Governments/Union Territory Administrations.

(3) Where there is a pension scheme in a body controlled or financed by the Central
Government in which a Government servant is absorbed, he shall be entitled to exercise
option either to count the service rendered under the Central Government in that body for
pension.

(4) retirement benefits for the service rendered under the Central Government in
accordance with the orders issued by the Central Government.

.EXPLANATION. -Body means autonomous body or statutory body.

Pg-8 Back
Rule 38 of CCS (Pension Rules : Invalid pension -“

(1)The case of a Government servant acquiring a disability, where the provisions of section
20 of the Rights of Persons with Disabilities Act, 2016 (49 of 2016) are applicable, shall be
governed by the provisions of the said section: Provided that such employee shall produce
a disability certificate from the competent authority as prescribed under the Rights of
Persons with Disabilities Rules, 2017.

(2)If a Government servant, in a case where the provisions of section 20 of the Rights of
Persons with Disabilities Act, 2016 (49 of 2016) are not applicable, retires from the service
on account of any bodily or mental infirmity which permanently incapacitates him for the
service, he may be granted invalid pension in accordance with rule 49:Provided that a
Government servant, who retires from service on account of any bodily or mental infirmity
which permanently incapacitates him for the service before completing qualifying service of
ten years, may also be granted invalid pension in accordance with sub-rule (2) of rule 49
subject to the conditions that the Government servant-

(a) has been examined by the appropriate medical authority either before his appointment
or after his appointment to the Government service and declared fit by such medical
authority for Government service; and

(b) fulfills all other conditions mentioned in this rule for grant of invalid pension.

Pg-9 Back
Rule 39 of CCS (Pension) Rules .

Compensation pension

(1)If a Government servant is selected for discharge owing to the abolition of his permanent
post, he shall, unless he is appointed to another post the conditions of which are deemed
by the authority competent to discharge him to be at least equal of those of his own, have
the option –
(a) of taking compensation pension to which he may be entitled for the service he had
rendered,or
(b) of accepting another appointment on such pay as may be offered.

(2)(a)Notice of at least three months shall be given to Government servant in permanent

employment before his services are dispensed with on the abolition of his permanent post.
(b)Where notice of at least three months is not given and the Government servant has not
been provided with other employment on the date on which his service are dispensed with,
the authority competent to dispense with his services may sanction the payment of a sum
not exceeding the pay and allowances for the period by which the notice actually given to
him falls short of three months.
(c)No compensation pension shall be payable for the periodin respect of which he receives
pay and allowances in lieu of notice.

(3)In case a Government servant is granted pay and allowances for the period by which
the notice given to him falls short of three months and he is re-employed before the expiry
ofthe period for which he has received pay and allowances he shall refund the pay and
allowances so received for the period following his re-employment.

(4)If a Government servant who is entitled to compensation pension accepts instead

another appointment under the Government and subsequently becomes entitled to receive
a pension of any class, the amount of such pension shall not be less than the compensation
pension which he could have claimed if he had not accepted the appointment.

Pg-10 Back
Rule 40 of CCS (Pension ) Rules .Compulsory retirement pension

(1)A Government servant compulsorily retired from service as a penalty may be granted, by
the authority competent to impose such penalty, pension or gratuity or both at a rate not
less than two-thirds and not more than1[full compensation pension] or gratuity or both
admissible to him on the date of his compulsory retirement.

(2) Whenever in the case of a Government servant the President passes an order (whether
original, appellate or in exercise of power of review) awarding a pension less than the1[full
compensation pension] admissible under these rules, the Union Public Service Commission
shall be consulted before such order is passed.
EXPLANATION. -In this sub-rule, the expression "pension" includes gratuity.

(3)A pension granted or awarded under sub-rule (1) or, as the case may be, under sub-
rule (2), shall not be less than the amount of 375[Rupees three hundred and seventy-
five] per mensem.

Pg-11 Back
Rule 41 of CCS (Pension ) Rules :

Compassionate allowance

(1)A Government servant who is dismissed or removed from service shall forfeit his pension
and gratuity :Provided that the authority competent to dismiss or remove him from service
may, if the case is deserving of special consideration, sanction a compassionate allowance
not exceeding two -thirds of pension or gratuity or both which would have been admissible
to him if he had retired on1[compensation pension].

(2)A compassionate allowance sanctioned under the proviso to sub-rule (1) shall not be less
than the amount of2[Rupees three hundred and seventy-five] per mensem.

Pg-12 Back
Rule 26 of CCS (pension Rules ):

Forfeiture of service on resignation.

(1) Resignation from a service or a post, unless it is allowed to be withdrawn in the public
interest by the appointing authority, entails forfeiture of past service.

(2) A resignation shall not entail forfeiture of past service if it has been submitted to take
up, with proper permission, another appointment, whether temporary or permanent, under
the Government where service qualifies.

(3) Interruption in service in a case falling under sub-rule (2), due to the two appointments
being at different stations, not exceeding the joining time permissible under the rules of
transfer, shall be covered by grant of leave of any kind due to the Government servant on
the date of relief or by formal condonation to the extent to which the period is not covered
by leave due to him.

(4) The appointing authority may permit a person to withdraw his resignation in the public
interest on the following conditions, namely :-

(i) that the resignation was tendered by the Government servant for some compelling
reasons which did not involve any reflection on his integrity, efficiency or conduct and the
request for withdrawal of the resignation has been made as a result of a material change
in the circumstances which originally compelled him to tender the resignation ;
(ii) that during the period intervening between the date on which the resignation became
effective and the date from which the request for withdrawal was made, the conduct of the
person concerned was in no way improper
(iii) that the period of absence from duty between the date on which the resignation
became effective and the date on which the person is allowed to resume duty as a resultof
permission to withdraw the resignation is not more than ninety days ;
(iv) that the post, which was vacated by the Government servant on the acceptance of his
resignation or any other comparable post, is available

(5)Request for withdrawal of a resignation shall not be accepted by the appointing

authority where a Government servant resigns his service or post with a view to taking up
an appointment in or under a private commercial company or in or under a corporation or
company wholly or substantially owned or controlled by the Government or in or under a
body controlled or financed by the Government.

(6)When an order is passed by the appointing authority allowing a person to withdraw his
resignation and to resume duty, the order shall be deemed to include the condonation of
interruption in service but the period of interruption shall not count as qualifying service.

Pg-13 Back
Rule 49 of CCS (Pension ) Rules :

(1) In the case of a Government servant retiring in accordance with the provisions of these
rules before completing qualifying service of ten years, the amount of service gratuity shall
be calculated at the rate of half month's emoluments for every completed six monthly
period of qualifying service.

{(1A) The dearness allowance admissible on the date of retirement shall also be treated as
emoluments for the purpose of sub-rule (1).}

Pg-14 Back
Rule 49(2) of CCS (Pension ) Rules :

In the case of a Government servant retiring in accordance with the provisions of these
rules after completing qualifying service of not less than ten years, the amount of pension
shall be calculated at fifty per cent of emoluments or average emoluments, whichever is
more beneficial to him, subject to a minimum of 9000 per mensem and maximum of
1,25,000 rupees per men sum .

Pg-15 Back
81. Sanction of family pension and residuary gratuity on the death of a pensioner.

(1) Where the Head of Office has received an intimation regarding the death of a pensioner
or death or ineligibility of a family pensioner, he shall ascertain whether any family pension
or residuary gratuity or both in respect of the deceased pensioner and any family pension
in respect of the family pensioner are payable and proceed as hereinafter provided.

(2) (a)(i)If the deceased pensioner is survived by a widow or widower who is eligible for the
grant of family pension under rule 54, the amount of family pension as indicated in the
Pension Payment Order shall become payable to the widow or widower, as the case may
be, from the day following the date of death of the pensioner.

(ii) The Pension Disbursing Authority shall, on receipt of a claim in Form 14from the widow
or widower, authorize the payment of family pension to the widow or widower, as the case
may be: Provided that no claim in Form 14 shall be required if the widow or widower was
holding a joint account with the pensioner in which pension was being credited.

(iii) The Pension Disbursing Authority shall authorize payment of family pension to the widow
or widower, who is not required to submit Form 14, on receipt of information in writing of
the death of the pensioner: Provided that such widow or widower shall submit a copy of
death certificate to the Pension Disbursing Authority and an undertaking to the effect that
any amount to which he or she is not entitled to or any amount which may be credited to
his or her account in excess of the amount to which he or she is entitled would be refunded
or made good.

(iv) Subject to the provisions of clause (b), if the deceased pensioner is survived by a
permanently disabled child or children or dependent parents or disabled siblings whose
names have been included in the Pension Payment Order as family pensioners under clause
(d) of sub-rule (1) of rule 65, the Pension Disbursing Authority shall, on receipt of a claim in
Form 14, authorize payment of family pension to the member of family who is eligible to
receive family pension in accordance with the provisions of rule 54.(iv)Where the deceased
pension.

Pg-16 Back
Rule of 9 of CCS (Pension ) Rules.

Right of President to withhold or withdraw pension1

(1)The President reserves to himself the right of withholding a pension or gratuity, or both,
either in full or in part, or withdrawing a pension in full or in part, whether permanently or
for a specified period, and of ordering recovery from a pension or gratuity of the whole or
part of any pecuniary loss caused to the Government, if, in any departmental or judicial
proceedings, the pensioner is found guilty of grave misconduct or negligence during the
period of service, including service rendered upon re-employment after retirement
:Provided that the Union Public Service Commission shall be consulted before any final
orders are passed :Provided further that where a part of pension is withheld or withdrawn
the amount of such pensions shall not be reduced below the amount of minimum family
pension.

(2)(a)The departmental proceedings referred to in sub-rule (1), if instituted while the

Government servant was in service whether before his retirement or during his
re-employment, shall, after the final retirement of the Government servant, be deemed to
be proceedings under this rule and shall be continued and concluded by the authority by
which they were commenced in the same manner as if the Government servant had
continued in service :Provided that where the departmental proceedings are instituted by
an authority subordinate to the President, that authority shall submit a report recording its
findings to the President.

(b)The departmental proceedings, if not instituted while the Government servant was in
service, whether before his retirement, or during his re-employment, -
(i)shall not be instituted save with the sanction of the President,(ii)shall not be in respect of
any event which took place more than four years before such institution, and
(ii)shall be conducted by such authority and in such place as the President may direct and
in accordance with the procedure applicable to departmental proceedings in which an
order of dismissal from service could be made in relation to the Government servant during
his service.

Pg-17 Back
Rule 69 of CCS (Pension ) Rules :.Provisional pension - where departmental or judicial
proceedings may be pending

(1)(a)In respect of a Government servant referred to in sub-rule (4) ofRule 9, the Accounts
Officer shall authorize the provisional pension equal to the maximum pension which would
have been admissible on the basis of qualifying service up tothe date of retirement of the
Government servant, or if he was under suspension on the date of retirement up to the
date immediately preceding the date on which he was placed under suspension.

(b)The provisional pension shall be authorized by the Accounts Officer during the period
commencing from the date of retirement up to and including the date on which, after the
conclusion of departmental or judicial proceedings, final orders are passed by the
competent authority.

(c)No gratuity shall be paid to the Government servant until the conclusion of the
departmental or judicial proceedings and issue of final orders thereon :1Provided that
where departmental proceedings have been instituted under Rule 16 of the Central Civil
ServicesClassification, Control and Appeal) Rules, 1965, for imposing any of the penalties
specified in Clauses (i), (ii) and (iv) of Rule 11 of the said rules, the payment of gratuity shall
be authorized to be paid to the Government servant.

(2)Payment of provisional pension made under sub-rule (1) shall be adjusted against final
retirement benefits sanctioned to such Government servant upon conclusion of such
proceedings but no recovery shall be made where the pension finally sanctioned is less
than the provisional pension or the pension is reduced or withheld either permanently or for
a specified period.

Pg-18 Back
Rule 10 of CCS (pension ) Rules -:.

Commercial employment after retirement

(1) If a pensioner who immediately before his retirement was a member of Central Service
Group `A' wishes to accept any commercial employment before the expiry of one year
from the date of his retirement, he shall obtain the previous sanction of the Government to
such acceptance1[by submitting an application in Form 25] , Provided that a Government
servant who was permitted by the Government to take up a particular form of commercial
employment during his leave preparatory to retirement or during refused leave shall not be
required to obtain subsequent permission for his continuance in such employment after
retirement.

(2) Subject to the provisions of sub-rule (3), the Government may, by order in writing, on an
application made under sub-rule (1) by a pensioner grant, subject to such conditions, if any,
as it may deem, necessary permission, or refuse for reasons to be recorded in the order,
permission, to such pensioner to take up the commercial employment specified in the
application.

(3) In granting or refusing permission under sub-rule (2) to a pensioner for taking up any
commercial employment, the Government shall have regard to the following factors, namely
-
(a) Whether a ‘No Objection’’ for the proposed post retirement commercial employment has
been obtained from the cadre controlling authority and from the office where the officer
retired

(b) Whether the officer has been privy to sensitive or strategic information in the last three
years of his service which is directly related to the areas of interest or work of the
organization which he proposes to join or the areas in which he proposes to practise or
consult;

(c) Whether there is conflict of interest between the policies of the office he has held in the
last three years and the interest represented or work undertaken by the organization he
proposes to join
EXPLANATION.-For the purposes of this clause, “conflict of interest” shall not include normal
economic competition with the Government or its undertakings.

(d) Whether the organization he proposes to join has been known to be in any way in
conflict with or prejudicial to India’s foreign relations, national security and domestic
harmony, and whether the organization is undertaking any activity for intelligence
gathering.

(e) Whether service record of the officer is clear, particularly with respect to integrity and
dealings with non-Government organizations;

(f) Whether the proposed emoluments and pecuniary benefits are far in excess of those
currently prevailing in the Industry.

EXPLANATION.-For the purposes of this sub-clause, the words “far in excess” shall not be
construed as to cover increase in such benefit that may be as a result of buoyancy in the
industry or in the economy as a whole.
Pg-19 Back
(g) any other relevant factor

Where the Government grants the permission applied for subject to any conditions or
refuses such permission, the applicant may, within thirty days of the receipt of the order of
the Government to that effect, make a representation against any such condition or refusal
and the Government may make such orders thereon as it deems fit :Provided that no order
other than an order cancelling such condition or granting such permission without any
conditions shall be made under this sub-rule without giving the pensioner making the
representation an opportunity to show cause against the order proposed to be made.(6)If
any pensioner takes up any commercial employment at any time before the expiry of one
year from the date of his retirement without the prior permission of the Government or
commits a breach of any condition subject to which permission to take up any commercial
employment has been granted to him under this rule, it shall be competent for the
Government to declare by order in writing and for reasons to be recorded therein that he
shall not be entitled to the whole
or such part of the pension and for such periods as may be specified in the order :Provided
that no such order shall be made without giving the pensioner concerned an opportunity
of showing cause against such declaration :Provided further that in making any order
under this sub-rule, the Government shall have regard to the following factors, namely :-
(i)the financial circumstances of the pensioner concerned;
(ii)the nature of, and the emoluments from the commercial employment taken up by the
pensioner concerned; and
(iii)any other relevant factor.(7)Every order passed by the Government under this rule shall
be communicated to the pensioner concerned.

The expression "commercial employment" means :-

(i) an employment in any capacity including that ofan agent, under a company,
co-operative society, firm or individual engaged in trading, commercial, industrial, financial
or professional business and includes also a directorship of such company and partnership
of such firm, but does not include employment under a body corporate, wholly or
substantially owned or controlled3[by the Central Government or a State Government] ;
(ii) setting up practice, either independently or as a partner of a firm, as adviser or
consultant in matters in respect of which the pensioner –(A)has no professional
qualifications and the matters in respect or which the practice is to be set up or is carried
on are relatable to his official knowledge or experience, or(B)has professional qualifications
but the matters in respect of which such practice is to be set up are such as are likely to
give his clients an unfair advantage by reason of his previous official position, or1[(C)has to
undertake work involving liaison or contact with the offices or officers of the Government.

(EXPLANATION. -For the purpose of this clause, the expression "employment under a
co-operative society" includes the holding of any office, whether elective or otherwise, such
as that of President, Chairman, Manager, Secretary, Treasurer and the like, by whatever
name called in such society;(b)the expression "date of retirement", in relation to a
Government servant re-employed after retirement, without any break, either in the same or
in another Group `A' post under the Government orin any other equivalent post under a
State Government, means the date on which such Government servant finally ceases to be
so re-employed in Government service.

Pg-20 Back
12 of CCS (Pension Rules :

Employment after retirement under a Government outside India-If a pensioner, who

immediately before his retirement was a member of Central Service, Group `A', wishes to
accept any employment under any Government outside India, he shall obtain the previous
permission of the Central Government for such acceptance, and no pension shall be
payable to a pensioner who accepts such an employment without proper permission in
respect of any period for which he is so employed or such longer period as the Government
may direct :Provided that a Government servant who was permitted by the Central
Government to take up a particular form of employment under any Government outside
India during his leave preparatory to retirement shall not be required to obtain subsequent
permission for his continuance in such employment after retirement.

Pg-21 Back
Rule 32 of CCS (Pension ) Rules :

(1)On a Government servant completing[eighteen years]*of service [and]^ on his being left
with five years of service before the date of retirement, whichever is earlier, the Head of
Office in consultation with the Accounts Officer shall, in accordance with the rules for the
time being in force, verify the service rendered by such a Government servant, determine
the qualifying service and communicate to him, in Form 24, the period of qualifying service
so determined. substituted vide^[(1A) For the purposes of verification of service, the Head
of Office shall follow the procedure provided in clause (a) of rule 59.]

(2)Notwithstanding anything contained in sub-rule (1), where a Government servant is

transferred to another department from a temporary department or on account of the
closure of the department he had been previously serving or because the post he held had
been declared surplus,1[] the verification of his service may be done whenever such event
occurs.

(3)The verification done under sub-rules (1) and (2) shall be treated as final and shall not
be reopened except when necessitated by a subsequent change in the rules and orders
governing the conditions under which the service

Pg-22 Back
Rule 33 of CCS (Pension ) Rules :

Emoluments

The expression `emoluments' means basic pay as defined in Rule 9 (21) (a) (i) of the
Fundamental Rules which a Government servant was receiving immediately before his
retirement or on the date of his death ; and will also include non-practising allowance
granted to medical officer in lieu of private practice.]2
[EXPLANATION. -Stagnation increment shall be treated as emoluments for calculation of
retirement benefits.]

NOTE 1. -If a Government servant immediately before his retirement or death while in service had
been absent from duty on leave for which leave salary is payable or having been
suspended had been reinstated without forfeiture of service, the emoluments which he
would have drawn had he not been absent from duty or suspended shall be the
emoluments for the purposes of this rule :Provided that any increase in pay (other than the
increment referred to in Note 4 ) which is not actually drawn shall not form part of his
emoluments.

NOTE 2. -Where a Government servant immediately before his retirement or death while in
service had proceeded on leave for which leave salary is payable after having held a
higher appointment whether in an officiating or temporary capacity, the benefit of
emoluments drawn in such higher appointment shall be given only if it is certified that the
Government servant would have continued to hold the higher
appointment but for his proceeding on leave.

NOTE 3. -If a Government servant immediately before his retirement or death while in
service had been absent from duty on extraordinary leave or had been under suspension, the
period whereof does not count as service, the emoluments which he drew immediately before
proceeding on such leave or being placed under suspension shall be the emoluments
for the purposes of this rule.1

NOTE 4. -If a Government servant immediately before his retirement or death while in
service, was on earned leave, and earned an increment which was not withheld, such
increment, though not actually drawn, shall form part of his emoluments :Provided that the
increment was earned during the currency of the earned leave not exceeding one hundred and
twenty days, or during the first one hundred and twenty days of earned leave where such
leave was for more than one hundred and twenty days.

NOTE 5. -Omitted by G.I., Dept. of Per. & A.R., Notification No. 6 (2)-Pen. (A)/79, dated
the 1st August, 1980.

NOTE 6. -Pay drawn by a Government servant while on deputation to the Armed Forces
of India shall be treated as emoluments.

NOTE 7. -Pay drawn by a Government servant while on foreign service shall not be
treated as emoluments, but the pay which he would have drawn under the Government
had he not been on foreign service shall alone be treated as emoluments.

Pg-23 Back
Rule 34. Of CCS (Pension) Rules : Average Emoluments

Average emoluments shall be determined with reference to the emoluments drawn by a

Government servant during the last1[ten months] of his service.

NOTE 1. -If during the last1[ten months] of his service a Government servant had been
absent from duty on leave for which leave salary is payable or having been suspended had
been reinstated without forfeiture of service, the emoluments which he would have drawn
had he not been absent from duty or suspended shall be taken into account for
determining the average emoluments :Provided that any increase in pay (other than the
increment referred to in Note 3) which is not actually drawn shall not form part of his
emoluments.

NOTE 2. -If, during the last1[ten months] of his service, a Government servant had been
absent from duty on extraordinary leave, or had been under suspension the period
whereof does not count as service, the aforesaid period of leave or suspension shall be
disregarded in the calculation of the average emoluments and equal period before the1
[ten months] shall be included.2

[NOTE 3. -In the case of a Government servant who was on earned leave during the last
ten months of his service and earned an increment, which was not withheld, such increment
though not actually drawn shall be included in the average emoluments :Provided that the
increment was earned during the currency of the earned leave not exceeding one hundred
and twenty days or during the first one hundred and twenty days of earned leave where
such leave was for more than one hundred and twenty days.

Pg-24 Back
Rule 49 2A) After completion of eighty years of age or above, additional pension shall be
payable to the retired Government servant in the following:

Age of Pensioner Additional Pension

80 years to less than 85 years 20% of basic pension

85 years to less than 90 years 30% of basic pension
90 years to less than 95 years 40% of basic pension
95 years to less than 100 years 50% of basic pension
100 years or more 100% of basic pension

A pensioner born on 20th August, 1940 shall be eligible for additional pension at the rate
of twenty percent of the basic pension with effect from 1st August, 2020. A pensioner born
on 1st August, 1940 shall also be eligible for additional pension at the rate of twenty percent
of the basic pension with effect from 1st August, 2020.

Continue to read about Gratuity Pg-25 Back

 Gratuity
1. A Government servant on retirement from service will be eligible for
retirement gratuity equal to one-fourth of his emoluments for
each completed six monthly period of qualifying service, subject
to a maximum of 16½ times the emoluments.

2. Retirement gratuity is payable if a Government servant has completed

a minimum qualifying service of five years on retirement and has
become eligible for either pension or service gratuity.

3. If a Government servant dies while in service, the death gratuity shall

be paid to his family in the following manner

Qualifying Service Rate

Less than one year 2 times of emoluments
One year or more but less than 5 years 6 times of emoluments
5 years or more but less than 11 years 12 times of emoluments
11 years or more but less than 20 years 20 times of emoluments
20 years or more Half of emoluments for every completed
6 monthly period of qualifying service
subject to a maximum of 33 times of
emoluments.

4. The amount of retirement gratuity or death gratuity payable under

CCS(Pension) Rules shall in no case exceed twenty lakh rupees.

5. The dearness computation shall also be taken as emoluments

for the purpose computation of gratuity.

6. The Government servant may nominate any of the following

family member to receive gratuity.
wife or wives including judicially separated wife or wives in the case of
1.
a male Government servant,
husband, including judicially separated husbandin the case of a
2.
female Government servant,

3. sons including stepsons and adopted sons,

4. unmarried daughters including stepdaughters and adopted daughters,

5. widowed daughters including stepdaughters and adopted daughters,

including adoptive parents in the case of individuals whose

6. Father
personal law permits adoption,
including adoptive parents in the case of individuals whose
7. Mother
personal law permits adoption,

8. brothers below the age of eighteen years including stepbrothers,

9. unmarried sisters and widowed sisters including stepsisters,

10. married daughters, and

11. children of a pre-deceased son.

Pg-26
7. A Government servant may, at any time, cancel a nomination by
sending a notice in writing to the Head of Office. He shall, along
with such notice, also send a fresh nomination.
8. If there is no such nomination or if the nomination made does not
subsist, the gratuity shall be paid to the spouse and unmarried
children (including widowed and unmarried daughter) in equal share.
9. Where a government servant dies while in service or after retirement
without receiving the amount of gratuity and leaves behind no
family and has made no nomination or the nomination made by him
does not subsists amount of death gratuity / retirement gratuity
shall be payable to the person in whose favour a succession
certificate in respect of the gratuity in question has been granted by a
court of law.
10. Interest shall be paid where payment of retirement gratuity has
been delayed beyond three months from the date of
superannuation.

11. where the payment of death gratuity is delayed beyond six months
from the date of death, interest should be paid for the period of
delay beyond six months from the date of death.

12. Interest on delayed payment of retirement gratuity would be paid, if

the Government servant is exonerated in departmental/judicial
proceedings. In such cases, the payment of gratuity will be deemed to
have fallen due on the date following the date of retirement.

13. In cases where the disciplinary/judicial proceedings are dropped on

account of the death of the Government servant during the
pendency of disciplinary/judicial proceedings, the payment of
gratuity will be deemed to have fallen due on the date following the
date of death. In such cases, interest may be allowed for the period
of delay beyond three months from the date of death.

14. In cases where the Government servant is not fully exonerated, the
payment of gratuity will be deemed to have fallen due on the date of
issue of orders by the competent authority. If the payment of
gratuity is delayed in such cases, interest will be payable for the
period of delay beyond three months from the date of issue of the
above-mentioned orders by the competent authority.

Pg-27
15. Pension or Gratuity can be withheld/withdrawn by the order of
the President.
16. Gratuity shall not be paid if departmental or judicial proceedings
have been initiated under rule-14 of CCS (CCA) Rules, 1965.

Pg-28 Index
Rule no 50(1) (a).
A Government servant, who has completed five years' qualifying service and has
become eligible for service gratuity or pension under Rule 49, shall, on his retirement,
be granted 1[retirement gratuity] equal to one-fourth of his emoluments for each
completed six monthly period of qualifying service, subject to a maximum of 16½
times the emoluments.

Pg-29 Back
Rule no 50(1) b.
If a Government servant dies while in service, the death gratuity shall be paid to his
family in the manner indicated in sub-rule (1) of Rule 51 at the rates given in the Table
below, namely:-

Length of qualifying service Rate of death gratuity

Less than one year 2 times of emoluments
One year or more but less than 5 years 6 times of emoluments
5 years or more but less than 20 years 12 times of emoluments
20 years or more Half of emoluments for every
completed six-monthly period of
qualifying service subject to a
maximum of 33 times of emoluments.

Pg-30 Back
F. No 38/37/2016-P&PW(A)Ci') Dated the 4th August, 2016
OFFICE MEMORANDUM
Subject :-
Implementation of Government's decision on the recommendation of the Seventh
Central Pay Commission - Revision of provisions regulating pension/gratuity/
commutation of pension/family pension/disability pension/ex-gratia lump-sum
compensation, etc.
The undersigned is directed to state that in pursuance of Government's decision on
the recommendation of the Seventh Central Pay Commission, the President
is pleased to introduce the following modifications in the rules regulating pension,
Retirement/Death/Service Gratuity, Family Pension, disability pension, ex-gratia
lumpsum compensation, etc. under the CCS (Pension) Rules, 1972 and Commutation
of Pension under CCS (Commutation of Pension) Rules, 1981, CCS (Extraordinary
Pension) Rules, 1939, etc.

2. These orders apply to Central Government Employees governed by the

CCS (Pension) Rules, 1972. Separate orders will be issued by the Ministry of Defence,
Ministry of Railways and the AIS Division of the DOPT in respect of Armed Forces
personnel, Railway employees and the officers of All India Services respectively on
the basis of these orders.

DATE OF EFFECT
3.1 The revised provisions as per these orders shall apply to Government servants
who retire/die in harness on or after 1.1.2016. Separate order have been issued in
respect of employees who retired/died before 1.1.2016.

3.2 Where pension/family pension/Gratuity/Commutation of pension, etc has

already been sanctioned in cases occurring on or after 1.1.2016, the same shall be
revised in terms of these orders. In cases where pension has been finally sanctioned
on the pre-revised orders and if it happens to be more beneficial than the pension
becoming due under these orders, the pension already sanctioned shall not be
revised to the disadvantage of the pensioner in view of Rule 70 of the CCS (Pension)
Rules, 1972.

Pg-31 Back
 EMOLUMENTS
4.1 The term 'Emoluments' for purposes of calculating various pensionary
benefits other than various kinds of Gratuity shall have the same meaning as in Rule
33 of the Central Civil Services (Pension) Rules, 1972.

4.2 Basic pay in the revised pay structure means the pay drawn in the prescribed
level in the Pay Matrix with effect from 01.01.2016 but does not include any other
type of pay like special pay, etc.

4.3 In the case of all kinds of gratuity, dearness allowance admissible on the
date of retirement/death shall continue to be treated as emoluments along with the
emoluments as defined in Paragraph 4.1 above.

PENSION
5.1 Subject to para 5.2, there shall be no change in the provisions regulating
the amount of pension as contained in Rule 49 of the CCS(Pension) Rules.

5.2 The amount of pension shall be subject to a minimum of RS.9000/- and the
maximum pension would be 50% of highest pay in the Government (The highest pay
in the Govt. is Rs 2,50,000 with effect from 1.1.2016). The provisions of sub-rule (2) of
Rule 49 of the CCS (Pension) Rules, 1972 shall stand modified to this extent.

5.3 The quantum of additional pension/family pension available to the old

pensioners/family pensioners shall continue to be as follows:-

Age of pensioner/family pensioner Additional quantum of pension

From 80 years to less than 85 years 20% of revised basic pension/ family pension
From 85 years to less than 90 years 30% of revised basic pension / family pension
From 90 years to less than 95 years 40% of revised basic pension / family pension
From 95 years to less than 100 years 50% of revised basic pension / family pension
100 years or more 100% of revised basic pension / family pension

The Pension Sanctioning Authorities should ensure that the date of birth and the
age of a pensioner is invariably indicated in the pension payment order to facilitate
payment of additional pension by the Pension Disbursing Authority as soon as it
becomes due. The amount of additional pension will be shown distinctly in the
pension payment order.
Pg-32 Back
For example, in case where a pensioner is more than 80 years of age and his
pension is Rs.10,000 pm, the pension will be shown as (i) Basic pension=Rs.10,000
and (ii) Additional pension = Rs.2,000 pm. The pension on his attaining the age of
85 years will be shown as (i).Basic Pension = Rs.1 0,000 and (ii) additional pension =
Rs.3,000 pm.

Retirement! Death Gratuity

6.1 The rates for payment of death gratuity shall be revised as under:
Length of qualifying service Rate of Death Gratuity
Less than One year 2 times of monthly emoluments
One Year or more but less than 5 6 times of monthly emoluments years
5 years or more but less than 11 12 times of monthly emoluments years
11 years or more but less than 20 20 times of monthly emoluments years
20 years or more Half month's emoluments for every completed
six monthly period of qualifying service subject
to a maximum of 33 times of emoluments.

Accordingly, Rule 50(1 )(b) of CCS (Pension) Rules, 1972 shall stand modified to this
extent.
6.2 The maximum limit of Retirement gratuity and death gratuity shall be Rs. 20 lakh.
The ceiling on gratuity will increase by 25% whenever the dearness allowance rises
by 50% of the basic pay. Accordingly, first proviso under Rule 50(1 )(b) of CCS
(Pension) Rules, 1972 shall stand modified to this extent.

FAMILY PENSION 1964

7.1 Family pension shall be calculated at a uniform rate of 30% of basic pay in the
revised pay structure and shall be subject to a minimum of Rs.90001-p.m. and
maximum of 30% of the highest pay in the Government. Rule 54(2) relating to Family
Pension, 1964 under CCS (Pension) Rules, 1972 shall stand modified to this extent.

7.2 The amount of enhanced family pension shall be 50% of basic pay in the revised
pay structure and shall be subject to a minimum of Rs.90001-p.m. and maximum of
50% of the highest pay in the Government. (The highest pay in the Govt. is Rs.
2,50,000 with effect from 1.1.2016).
7.3 There will be no other change in the provisions regulating family pension,
enhanced family pension and additional family pension to old family pensioners.
Pg-33 Back
7.3 There will be no other change in the provisions regulating family pension,
enhanced family pension and additional family pension to old family pensioners.

COMMUTATION OF PENSION
8.1 There will be no change in the provisions relating to commutation values, the limit
upto which the pension can be commuted or the period after which the commuted
pension is to be restored.

9.1 The pension/family pension under para 5 and 7 above shall qualify for dearness
relief sanctioned from time to time, in accordance with the relevant
rules/instructions.

FIXED MEDICAL ALLOWANCE

10.1 Fixed Medical Allowance to the pensioners who are residing in non-CGHS areas
and are not availing OPD facility of CGHS shall continue to be paid at the existing
rate till a final decision is taken on the basis of recommendations of the Committee
constituted for the purpose.

CONSTANT ATTENDANT ALLOWANCE

11.1 The amount of Constant Attendant Allowance to pensioners who retired on
disability pension with100% disability under the CCS (Extraordinary) Pension Rules,
1939, (where the individual is completely dependent on somebody else for day to
day functions) shall continue to be paid at the existing rate till a final decision is
taken on the basis of recommendations of the Committee constituted for the
purpose.

EX GRATIA LUMPSUM COMPENSATION

12.1 The amount of ex gratia lump sum compensation available to the families of
Central Government Civilian employees, who die in the performance of their bona
fide official duties under various circumstances shall be revised as under:

Pg-34 Back
 Circumstances Amount
Death occurring due to accidents in course of performance of duties 25 lakh
Death in the course of performance of duties attributed to acts of
25 lakh
violence by terrorists, anti social elements etc.
Death occurring in border skirmishes and action against militants,
35 lakh
terrorists, extremists, sea pirates

Death occurring while on duty in the specified high altitude,

unaccessible border posts, etc. on account of natural disasters, 35 lakh
extreme weather conditions

Death occurring during enemy action in war or such war like

engagements, which are specifically notified by Ministry of Defence 45 lakh
and death occurring during evacuation of Indian Nationals from a
war-torn zone in foreign country

13.1. Formal amendments to CCS (Pension) Rules, 1972 and CCS (Extraordinary)
Pension Rules, 1939 in terms of the decisions contained in this order will be issued in
due course. Provisions of the CCS (Pension) Rules 1972, CCS (Extraordinary) Pension
Rules, 1939, and CCS(Commutation of Pension) Rules, 1981 which are not specifically
modified by these orders, will remain unchanged.

14.1. These orders issue with concurrence of the Ministry of Finance Department of
Expenditure vide their U.O. No. 30-1/33(c)/ 2016-IC dated 03.08.2016

15.1. In their application to the employees of the Indian Audit and Accounts
Department, these orders issue in consultation with Comptroller and Auditor General of
India.

16. Ministry of Agriculture etc. are requested to bring the contents of these
orders to the notice of Controller of Accounts/Pay and Accounts Officers and Attached
and Subordinate Offices under them on a top priority basis.

(Vandana Sharma)
Joint Secretary to the Government of India
To
1. All Ministries/ Departments of Government of India
2. Principal Director, Office of Comptroller & Auditor General of India, New Delhi
3. Contorller General of Accounts, New Delhi
4. CCA, Central Pension Accounting Office, New Delhi.

Pg-35 Back
Rule no 50.5
The emoluments for the purpose of gratuity admissible under this rule, shall be
reckoned in accordance with Rule 33:
Provided that if the emoluments of a Government servant have been reduced
during the last ten months of his service otherwise than as a penalty,
average emoluments as referred to in Rule 34 shall be treated as emolument.
Provided further that the dearness allowance (DA) admissible on the date of
retirement or death shall also be treated as emolument for the purpose of
calculation of gratuity.

Pg-36 Back
Rule no 50.6 point 5
For the purposes of this rule and Rule 51,52 and 53, `family', in relation to a
Government servant, means -
wife or wives including judicially separated wife or wives in the case of a
1.
male Government servant,
husband, including judicially separated husbandin the case of a female
2.
Government servant,

3. sons including stepsons and adopted sons,

4. unmarried daughters including stepdaughters and adopted daughters,

5. widowed daughters including stepdaughters and adopted daughters,

including adoptive parents in the case of individuals whose personal

6. Father
law permits adoption,
including adoptive parents in the case of individuals whose personal
7. Mother
law permits adoption,

8. brothers below the age of eighteen years including stepbrothers,

9. unmarried sisters and widowed sisters including stepsisters,

10. married daughters, and

11. children of a pre-deceased son.

Pg-37 Back
Rule no 53.5 point-6
A Government servant may, at any time, cancel a nomination by sending a notice in
writing to the 1[Head of Office] :
Provided that he shall, along with such notice, send a fresh nomination made in
accordance with this rule.

Pg-38 Back
Rule no 51.1 (b) point-7
If there is no such nomination or if the nomination made does not subsist, the
gratuity shall be paid in the manner indicated below -

if there are one or more surviving members of the family as in

1. *[clauses (i), (ii), (iii), (iv) and (v)] of sub-rule (6) of Rule 50, to all such
members in equal shares;

if there are no such surviving members of the family as in

2.
sub-clause (i) above, but there are one or more members as in
clauses *[(vi), (vii), (viii), (ix), (x) and (xi)] of sub-rule (6) of Rule 50, to
all such members in equal shares.

Pg-39 Back
Rule no 51.2 point-8
If a Government servant dies after retirement without receiving the gratuity
admissible under sub-rule (1) of Rule 50 the gratuity shall be disbursed to the family
in the manner indicated in sub-rule (1).

Pg-40 Back
Rule no 68.1 point 9
(1) In all cases where the payment of gratuity has been authorised later than the
date when its payment becomes due, including the cases of retirement otherwise
than on superannuation, and it is clearly established that the delay in payment was
attributable to administrative reasons or lapses, interest shall be paid at the rate
applicable to General Provident Fund amount in accordance with the instructions
issued from time to time:

Provided that the delay in payment was not caused on account of failure on the part
of the Government servant to comply with the procedure laid down by the
Government for processing his pension papers.]

Pg-41 Back
 No.7/20/89-P&PW(F)
Government of India
Ministry of Personnel, P.G. and Pensions
Department of Pension & Pensioners’ Welfare

……….
New Delhi, the 22nd January,1991

OFFICE MEMORANDUM

Subject: Payment of interest on account of delayed payment of retirement /

death gratuity -reg .

The undersigned is directed to state that payment of interest on delayed

payment of gratuity is, at present, regulated under Rule 68 of the CCS
(Pension), Rules, 1972.

2. Certain administrative authorities have drawn attention to the fact that in

cases of retirement on superannuation the work of assessment of the
demands outstanding against them commences two years in advance whereas
in other cases of retirement assessment of Govt. dues etc. can begin only after
the retirement has been approved by Govt. and have raised a doubt where the
provisions of Rule 68 are also applicable to those who retired otherwise on
superannuation and if so whether the time limit of 3 months is to be observed
in such cases. The position has been reviewed in consultation with the Ministry
of Finance. It has been decided that if the payment of gratuity has been
delayed due to administrative lapses for no fault of the retiring employee in
cases of retirement other than superannuation, the payment of interest may
be regulated in the following matter:-

(i) In case of Government servants against whom disciplinary / judicial

proceedings are pending on the date of retirement and in which gratuity is
withheld till the conclusion of the proceedings :-

(a) In such cases if the government servant is exonerated of all charges and
where the gratuity is paid on the conclusion of such proceedings, the payment
of gratuity will be deemed to have fallen due on the date following the date
of retirement vide DPAR’s OM No. 1(4)/Pen.Unit/82 dated 10.01.83. If the
payment of gratuity has been authorised after 3 months from the date of his
retirement interest may be allowed beyond the period of 3 months from the
date of retirement.

(b) In cases where the disciplinary / judicial proceedings are dropped on

account of the death of the Government servant during the pendency of
disciplinary / judicial proceedings, the payment of gratuity will be deemed to
have fallen due on the date following the date of death and if the payment of
gratuity has been delayed interest may be allowed for the period of delay
beyond 3 months from the date of death.
Pg-42 Back
(c) In cases where the Government servant is not fully exonerated on the
conclusion of disciplinary / judicial proceedings and where the competent
authority decides to allow payment of gratuity, in such cases, the payment of
gratuity will be deemed to have fallen due on the date of issue of orders by the
competent authority for payment of gratuity vide DPAR’s OM No. 7 (1). PU / 79
dated 11.7.1979. If thepayment of gratuity is delayed in such cases interest will
be payable for the period of delay beyond 3 months from the date of issue of
the above mention orders by the competent authority.

(ii) On retirement other than on superannuation:-

Such cases of retirement will be either under clause (j) or clause (k) of FR 56 or
Rules, 38, 39, 40, 48 or 48- A of the CCS (Pension) Rules, 1972. In such cases
the pension sanctioning authority does not get adequate time for processing
pension papers, as is available to it in the case of retirement on
superannuation. Instructions have already been issued from time to time that
the work relating to verification of service should be done on year to year basis
and should not be kept in arrears. Provisions also exists that on completion of
25 years qualifying service or on one being left with 5 years service before the
date of retirement,whichever is earlier, the head of office should verify the
service rendered by such Government servant and communicate to him the
period of qualifying service as determined vide Rule 32 of the CCS (Pension)
Rules, 1972. It is, therefore, expected that even in cases of retirement other
than on superannuation it should not take unduly long time for all Heads of
Offices to prepare pension papers of retiring employees. It has therefore being
decided that where the payment of gratuity in such cases is delayed beyond 6
months from the date of retirement, interest should be paid for the period of
delay beyond 6 months from the date of retirement.

(iii) On death of the Government servant while in service:-

Such cases may be considered on the same lines as mentioned in clause (ii)
above. Detailed procedure for processing the payment of death gratuity is
explained in Rule 77to 80 of the CCS (Pension) Rules, 1972. It is felt that in
these cases also it should be possible for the respective offices to process the
payment of death gratuity within a reasonable time. It has, therefore, being
decide that where the payment of death gratuity is delayed beyond 6 months
from the date of death, interest should be paid for the period of delay beyond
6 months from the date of death. If in any case the payment of death gratuity
is held up on account of more than one claimant staking his / her claim to the
same, such cases will not automatically qualify for payment of interest in terms
of these orders. These will be examined separately in consultation with this
Department on the merits of each.

(iv) Cases where the amount of gratuity already paid is enhanced on account
of revision on emoluments or liberalisation in the provisions relating to gratuity
from a date prior to the date of retirement of the government servant
concerned :-

Pg-43 Back
At present, no interest is paid in such cases. Representations have been received
that the payment of difference in gratuity in such cases is unduly delayed. It is
expected that once the orders relating to revision of emoluments reckoning for
gratuity or liberalisation of rules relating to entitlement paid within a reasonable
time. Taking into account all aspects, it has now been decided that if the payment
on account of arrears of gratuity is delayed beyond a period of 3 months from
the date of issue of the orders revising the emoluments liberalisation in the rules
interest may be allowed for the delay beyond the period of 3 months of the date
of issue of the said orders.

(V) In cases of permanent absorption in PSU/autonomous bodies otherwise than

on enmass transfer on conversion of government department or a part thereof
into PSU/autonomous body :-

Payment of interest on delayed payment of gratuity in these cases may also be

decided in the same manner as prescribed in clauses (ii) above. If the payment of
gratuity has been delayed beyond 6 months from the date of permanent
absorption the interest may be allowed for the period of delay beyond 6 months.

3. As far as retirement on superannuation is concerned, the existing procedure

for grant of interest if the payment of gratuity is delayed due to administrative
reasons /lapses for no fault of the retiring employee will continue to be
applicable. In other words, interest will be allowed for the period of delay beyond
3 months from the date of retirement.

4. It has also been observed that there is a general impression among the
administrative authorities that interest is to be paid only after disciplinary action
being taken against the defaulting staff found responsible for the delay in
payment of gratuity is concluded. It is hereby clarified that this impression is not
correct. In all cases in which it is established that the delay in payment of gratuity
was attributable to administrative lapses and for no fault of the retiring employee
concerned, the interest should be paid without waiting for the outcome of the
disciplinary proceedings against the defaulting staff. The disciplinary cases
should be proceeded with separately. This may kindly be borne in mind while
regulating cases under paragraphs 2 and 3 above. Wherever interest becomes
payable in terms of these orders, the same shall be allowed upto the end of the
months preceding the month in which gratuity/arrears of gratuity is paid.

5. These orders shall take effect from the date of issue of this O.M. The cases of
those government servants who retired/died while in service before this date
would also be covered if gratuity has not been paid as on the date of issue of this
Office Memorandum and there has been delay in its payment beyond three
months/six months, as the case may be, of the date of their retirement/death but
the interest would be payable in such cases only from the date of the issue of this
OM or three months/six months, as the case may be, from the date of retirement/
death,whichever date is later. Past cases of retirement otherwise than on
superannuation on and on death already settled before the issue of this OM,
however, need not be reopened.

Pg-44 Back
6. In so far as persons serving in the Indian Audit and Accounts Department are
concerned, these orders have been issued after consultation with the Comptroller
and Auditor General of India.

7. Hindi version is enclosed.

(M R Vaidya)
Deputy Secretary to the Govt. of India.

To
All Ministries / Departments of the Govt. of India.

Pg-45 Back
Pension or Gratuity can be withheld/withdraw by the order of the
President.

Rule 9.1- 1
(1) The President reserves to himself the right of withholding a pension or gratuity, or both,
either in full or in part, or withdrawing a pension in full or in part, whether permanently or
for a specified period, and of ordering recovery from a pension or gratuity of the whole
or part of any pecuniary loss caused to the Government, if, in any departmental or judicial
proceedings, the pensioner is found guilty of grave misconduct or negligence during the
period of service, including service rendered upon re-employment after retirement :
Footnote : 1. Substituted by G.I., Dept. of P. & P.W., Notification No. 7/14/90-P. & P.W. (F),
dated the 23rd August, 1991, published as S.O. No. 2287 in the Gazette of India, dated
the 7th September, 1991.
Provided that the Union Public Service Commission shall be consulted before any final
orders are passed :
Provided further that where a part of pension is withheld or withdrawn the amount of
such pensions shall not be reduced below the amount of rupees three hundred and
seventy-five per mensem.]

Pg-46 Back
 Gratuity shall not be paid if departmental or jurdicial proceedings have
been initiated under rule-14 of CCS (CCA) Rules, 1965

Rule 69
(C) No gratuity shall be paid to the Government servant until the conclusion of the
departmental or judicial proceedings and issue of final orders thereon :

1. Provided that where departmental proceedings have been instituted under Rule 16 of
the Central Civil Services (Classification, Control and Appeal) Rules, 1965, for imposing any
of the penalties specified in Clauses (i), (ii) and (iv) of Rule 11 of the said rules, the payment
of gratuity shall be authorized to be paid to the Government servant.

Continue to read about Commutation Pg-47 Back

 Commutation
1. A Central Government Employee retiree covered under CCS (Pension) Rules
1972 can exercise option for commutation of a fraction of his/ her pension.

2. The option once exercised will be absolute and final.

3. A retiree can opt to commute upto 40% of his/her Pension.

4. No need for medical examination, if the option for commutation is exercise

within one year of retirement.

5. A lumpsum amount is paid in lieu of commuted portion of pension.

6. The Commuted portion of pension is restored on the expiry of 15

years from the date of reduction of pension on account of
commutation becomes operative.

7. Restoration of commuted pension is not linked to age or date of birth.

it is restored on completion of 15 years from the date of commutation. If the person
retired on 31-01-2006 & commutation was done immediately on retirement, the
restoration will be from 1-2-2021.

8. The restoration of commuted amount of pension will be done by

Pension Payment Bank/ Authority on its own without calling any
separate authorization from Pension sanctioning Authority.

9. In the event of death of pensioner, the commuted portion of pension will

not be deducted from Family Pension.

Pg-48 Index
Eligibility -
An applicant who is authorized -
(i) a superannuation pension under Rule 35 of the Pension Rules ;
or
(ii) a retiring pension under Rule 36 of the Pension Rule ;
or
(iii) a pension on absorption in or under a corporation or company or body in terms of Rule 37 of the
Pension Rules and who elects to receive monthly pension and retirement gratuity ;
or
(iv) a compensation pension on abolition of permanent post under Rule 39 of the Pension Rules ;
or
(v) a pension in whole or in part on the finalization of the 8 departmental or judicial proceedings referred
to in Rule 9 of the Pension Rules and issue of final orders thereon, shall, subject to the limit in Rule 5, be
eligible to commute a percentage of his pension without medical examination :
Provided that he applies for commutation of pension in Form 1 or Form 1-A in accordance with the
provisions of Rule 13.
NOTE. - Pension referred to in Clause (i), Clause (ii) and Clause (iv) shall include the provisional pension
sanctioned under Rule 64 of the Pension Rules.

Pg-49 Back
Commutation of pension to become absolute -

(1) The commutation of pension shall become absolute in the case of an applicant referred to-
(i) in sub-rule (1) of Rule 13, on the date on which the application in Form 1 is received by the Head of
Office ;
(i-a) in sub-rule (3) of Rule 13, on the date following the date of his retirement ;
(ii) in Chapter IV, on the date on which the medical authority signs the medical report in Part III of Form
4;

Provided that -
(a) in the case of an applicant who is drawing his pension from a treasury or Accounts Officer, the
reduction in the amount of pension on account of commutation shall be operative from the date of
receipt of the commuted value of pension or at the end of three months after issue of authority by the
Accounts Officer for the payment of commuted value of pension, whichever is earlier,
and

(b) in the case of an applicant who is drawing pension from a branch of a nationalized bank, the
reduction in the amount of pension on account of commutation shall be operative from the date on which
the commuted value of pension is credited by the bank to the applicant's account to which pension is
being credited.

(c) in the case of an applicant governed by sub-rule (3) of Rule 13 in whose case the commuted value of
pension becomes payable on the day following the date of his retirement, the reduction in the amount of
pension on account of commutation shall be operative from its inception. Where, however, payment of
commuted value of pension could not be made within the first month after the date of retirement, the
difference of monthly pension for the period between the day following the date of retirement and the
date preceding the date on which the commuted value of pension is deemed to have been paid in terms
of Rule 49 of the Central Government Accounts (Receipts and Payments) Rules, 1983, shall be authroized
by the Accounts Oficer.]

(2) In the case of an applicant referred to in Rule 9 or Rule 10, the commuted value is paid in
two or more stages, the reduction in the amount of pension shall be made from the respective
dates of the payments as laid down in Clause (a) or Clause (b) of the proviso to sub-rule (1).

(3) The date on which the payment of the commuted value of pension was made to the
applicant or the commuted value was credited to the applicant's account shall be entered in
both halves of the Pension Payment Order by the disbursing authority under intimation to the
Accounts Officer who authorized the payment of commuted value of pension.

Pg-50 Back
Limit on commutation of pension –

(1) A Government servant shall be entitled to commute for a lump sum payment of an amount not
exceeding forty percent of his pension.

(2) In an application for commutation in Form 1 or Form 1-A or Form 2, as the case may be, an applicant
shall indicate the fraction of pension which he desires to commute and may either indicate the maximum
limit of forty percent of pension or such lower limit as he may desire to commute.

(3) If percentage of pension to be commuted results in fraction of a rupee, such fraction of a rupee shall
be ignored for the purpose of commutation.

Pg-51 Back
Application for commutation of pension –
(1) An applicant, who is in receipt of any pension referred to in Rule 12 and desires to commute a
percentage of that pension any time after the date following the date of his retirement from service but
before the expiry of one year from the date of retirement, shall -
(a) apply to the Head of Office in Form 1 after the date of his retirement ;
(b) ensure that the application in Form 1, duly completed , is delivered to the Head of Office as early as
possible but not later one year of the date of his retirement :
Provided that in the case of an applicant -
(a) referred to in Clause (iii) of Rule 12, where order retiring him from Government service had been issued
from a retrospective date, the period of one year referred to in this sub-rule shall reckon from the date
of issue of the retirement orders ;
(b) Referred to in Clause (v) of Rule 12, the period of one year referred to in this sub-rule shall reckon
from the date of the issue of the orders consequent on the finalization of the departmental or judicial
proceedings.

(2) An applicant who applies for commutation of pension within one year of the date of his retirement
but his application in Form 1 is received by the Head of Office after one year of the date of his retirement,
shall not be eligible to get his pension commuted, without medical examination. Such an applicant, if he
desires to commute a percentage of his pension, shall apply afresh in Form 2 in accordance with the
procedure laid down in Chapter IV.

(3) A Government servant who is due to retire on superannuation and desires payment of the commuted
value of pension being authorized at the time of issue of the pension payment order, shall be eligible to
apply for commutation of a percentage of pension along with pension papers prior to the date of
retirement provided that -
(a) the Government servant retires on superannuation pension only ;
(b) the application is submitted to the Head of Office in Form 1- A, so as to reach the Head of Office not
later than three months before the date of superannuation ;
(c) no such application shall be entertained if the period is less than three months from the date of
superannuation of the 9 Government servant ; and
(d) the Government shall have no liability for the payment of the commuted value of pension if the
Government servant dies before the date of superannuation or forfeits claim to pension before such
retirement.

Pg-52 Back
Calculation of commuted value of pension –

The lump sum payable to an applicant shall be calculated in accordance with the Table of the values
prescribed from time to time and applicable to the applicant on the date on which the commutation
becomes absolute.

Scheme Booklet 20.5

Restoration of commuted portion of pension after 15 years( from the date of crediting of commuted
value) or a fixed by the Govt. from time to time is to be made automatically by bank. In cases where
the date of commutation is not readily available in the PPO, the bank will obtain the information from
the Account Officer who issued the PPO through Central Pension Accounting Office before restoring
the commuted portion of pension

Pg-53 Back
 Restoration of Commuted Pension –

“The commuted amount of pension shall be restored on completion of fifteen years from the date the
reduction of pension on account of commutation becomes operative in accordance with rule 6:
Provided that when the commutation amount was paid on more than one occasion on account of
upward revision of pension, the respective commuted amount of pension shall be restored on completion
of fifteen years from the respective date(s)

Continue to read about Pension Payment Procedure Pg-54 Back

 Pension Payment Procedure
1. The pension case of a Government servant shall be
processed mandatorily through ‘Bhavishya' (an online portal
for pension sanction) w.e.f 1/1/2017.

2. The Government servant shall submit the claim form 6 months

before the date of retirement.

3. HOO shall forward the pension case to the PAO 4 months before
the date of retirement.

4. The Accounts Officer shall apply the requisite checks, and

issue the pension payment order not later than one month in advance
of the date of the retirement of a Government servant on
attaining the age of superannuation. For this purpose, he
will examine the correctness of emoluments only for the
period of twenty-four months preceding the date of retirement
of a Government servant, and not for any period prior to that
date.

5. The Accounts Officer shall forward a copy of the Pension

Payment Order to the Central Pension Accounting Office, for
issuing a Special Seal Authority one month before the date of
retirement.

6. The Central Pension Accounting Office shall issue the Special

Seal of Authority and forward the same to the Pension
Disbursing Authority along with the copy of the Pension Payment
Order, within 21 days.

7. The pensioner's copy of the PPO is to be handed over to him

at the time of retirement along with other retirement dues.

8. A Pensioner is not required to visit the bank branch for credit

of his/her pension.

Pg-55 Index
 Pension Account & Declarations
1. A pensioner may receive pension by getting it credited to his/
her saving or current bank accounts operated jointly with
his/her spouses in whose favour an authorization for family
pension exists in the Pension Payment Order (PPO). The joint
account of the pensioner with the spouse can be operated
either by 'Former or Survivor' basis.

2. Following declarations to be submitted by pensioner in the

bank for continuation of pension-
a. Life Certificate to be submitted once in a year.

b. Re-employment certificate with pay and allowances or non

employment certificate.

c. A pensioner, who immediately before his retirement was a member

of Central Service, Group`A', has to give declaration that he has
not taken any employment under any Government outside India
without obtaining previous permission of the Central Government .

3. Following declarations to be submitted by family pensioner in

the bank for continuation of family pension-

a. Life Certificate to be submitted once in a year.

b. He or she has not started earning his or her livelihood. Spouse is
not required to submit this declaration.

c. He or she has not yet married or remarried.

d. A similar declaration shall be furnished by the disabled son
or daughter to the Pension Disbursing Authority once in a year
that he or she has not started earning his or her livelihood. The
family pension shall be continued to disabled child even after his or
her marriage.

e. Family pension shall be continued to a childless widow even after

their remarriage, if her income from all resources is less than
minimum family pension.

Pg-56 Index
 No. 55/14/2014/P&PW(C)Part-1
Government of India
Ministry of Personnel, Public Grievances and Pension
Department of Pension & Pensioners' Welfare

3rd Floor, Lok Nayak Bhawan,

Khan Market, New Delhi

Dated : JqK November, 2016

OFFICE MEMEORANDUM

Sub: Processing of Pension cases mandatorily through Bhavishya (Online Pension

Sanction & Payment Tracking System) w.e.f 01/01/2017 - reg.

Department of Pension and Pensioners' Welfare is responsible for formulation of

policy and coordination of matters relating to pension policy and welfare of Central
Government pensioners. It has been seen that despite detailed guidelines
and instructions to the contrary a large proportion of retiring employees do not get
their retirement benefits and the Pension Payment Order(PPO) in time. It is likely that
such retired employees find it difficult to get the process completed after retirement.
The sanction process starts more than a year before the date of retirement and
requires cooperation amongst various agencies. This department has, therefore,
launched Bhavishya - an online pension sanction and payment tracking system. The
system by keeping track of the progress of each case introduces transparency and
accountability. Both the retiring employees as well as administrative authorities can
monitor progress at each stage.

2. The system has been running successfully in the main Secretariat of all
ministries/departments for the last one year. It has since been extended to cover over
3000 Drawing and Disbursing Officers and Pay and Accounts Offices from various
ministries/departments and their attached offices.

3. It has now been decided that all Heads of Offices will henceforth mandatorily
process all pension cases only through Bhavishya. In this, where necessary, they will
assist the retiring employee to submit the online application form. The Pay and Accounts
Offices will process cases generated through Bhavishya through the pension module in
COMPACT till the Public Financial Management System(PFMS) is made operational and
integrated with Bhavishya.

4. It is to be noted that all authorities will strictly follow the timelines prescribed under
the CCS(Pension) Rules and in no case will the pension case be delayed on account of
electronic processing through Bhavishya.

5. These instructions take effect from 1st January, 2017.

6. This issues with the approval of competent authority.

(Seema Gupf;) Director

Tel-fax: 24624802
To

Secretaries of all Ministries/Departments

(as per list attached except Railway, Defence, Post & Telecommunications)
Pg-57 Back
Scheme Booklet 7.3 (CPAO)

Time Schedule

i. (i) Despatch of PPO by PAO to the CPAO issuing PPO on the last
working day of the month preceeding the month of retirement.

ii. Despatch of PPO by CPAO to Link branch of Authorised Bank by 20th

of the month of retirement.

iii. Despatch of PPO by Link Branch to paying branch by 23rd of the

month of retirement.

iv. Paying Branch will complete all formalities and ensure that the pension
has been credited to the pensioner’s Account on the last date of the
month.

Pg-58 Back
Declarations submitted by Family Pensioner (Scheme booklet 25.1,2,3

1. In the case of widow recipient of family pension, no

certificate of remarriage is required to be furnished by her.
An undertaking will, however, be obtained from the widow
at the time of commencement of pension to the effect that in
the event of her re-marriage, she will report the fact to the
pension disbursing office promptly

2. In the case of other recipients of family pension (a

widower or an unmarried daughter), the Certificate of
remarriage/marriage in the prescribed form is required to
be furnished by the recipient, at six-monthly intervals in the
month of May and November.

3. In cases where the son or daughter of a Govt. Servant

is suffering from any disorder or disability of mind or
is physically crippled or disabled so as to render him/
her unable to earn a living even after attaining the
age of twenty-five years is being continued to be paid family
pension for life under proviso to rule 54(6) of the CCS
(Pension) Rules, 1972. The person receiving the family
pension as guardian should produce every five years, (in
the month of November) a certificate from a medical officer
not below the rank of Civil Surgeon to the effect that
the person continues to suffer from disorder or disability
of mind or continues to be physically crippled or
disabled. In such cases, the guardian shall be required
to furnish certificate every year that he or she has not
started earning his/her livelihood.

Pg-59 Back
59. Stages for the completion of pension papers on superannuation. –

The Head of Office shall divide the period of preparatory work of one
year referred to in rule 58 in the following three stages, namely:–

(a) First Stage – Verification of service – (i) The Head of Office shall go
through the service book of the Government servant and satisfy himself as
to whether the certificates of verification for the service subsequent to the
service verified under rule 32 are recorded therein.

(ii) In respect of the unverified portion or portions of service, he shall verify

the portion or portions of such service, as the case may be, based on pay
bills, acquittance rolls or other relevant records such as last pay
certificate, pay slip for month of April which shows verification of service
for the previous financial year and record necessary certificates in the
service book.

(iii) If the service for any period is not capable of being verified in the
manner specified in sub-clause (i) and sub-clause (ii), that period of
service having been rendered by the Government servant in another
office or Department, theHead of Office under which the Government
servant is at present serving shall refer the said period of service to the
Head of Office in which the Government servant is shown to have served
during that period for the purpose of verification.

(iv) On receipt of communication referred to in subclause (iii), the Head of

Office in that office or Department shall verify the portion or portions of
such service, in the manner as specified in sub-clause (ii), and send
necessary certificates to the referring Head of Office within two months
from the date of receipt of such a reference: Provided that in case a
period of service is incapable of being verified, it shall be brought to the
notice of the referring Head of Office simultaneously.

(v) If no response is received within the time referred to in the preceding

sub-clause, such period or periods shall be deemed to qualify for pension.

Pg-60 Back
(vi) If at any time thereafter, it is found that the Head of Office and other
concerned authorities had failed to communicate any non-qualifying
period of service, the Secretary of the administrative Ministry or
Department shall fix responsibility for such non-communication.

(vii) The process specified in sub-clauses (i), (ii), (iii), (iv) and (v) shall be
completed eight months before the date of superannuation.

(viii) If any portion of service rendered by a Government servant is not

capable of being verified in the manner specified in sub-clause (i) or
sub-clause (ii) or subclause (iii) or sub-clause (iv) or sub-clause (v), the
Government servant shall be asked to file a written statement on plain
paper within a month, stating that he had in fact rendered service for
that period, and shall, at the foot of the statement, make and subscribe
to a declaration as to the truth of that statement.

(ix) The Head of Office shall, after taking into consideration the facts in
the written statement referred to in sub-clause (viii) admit that portion of
service as having been rendered for the purpose of calculating the
pension of that Government servant.

(x) If a Government servant is found to have given any incorrect

information willfully, which makes him or her entitled to any benefits
which he or she is not otherwise entitled to, it shall be construed as a
grave misconduct.

(b) Second Stage. - Making good omission in the service book. –

(i) The Head of Office while scrutinising the certificates of verification of

service, shall also identify if there are any other omissions, imperfections
or deficiencies which have a direct bearing on the determination of
emoluments and the service qualifying for pension.

(ii) Every effort shall be made to complete the verification of service, as

specified in clause (a) and to make good the omissions, imperfections or
deficiencies referred to in sub-clause (i).

Pg-61 Back
(iii) Any omission, imperfection or deficiency which is incapable of being
made good and the periods of service about which the Government
servant has submitted no statement and the portion of service shown as
unverified in the service book which it has not been possible to verify in
accordance with the procedure laid down in clause (a) shall be ignored
and service qualifying for pension shall be determined on the basis of the
entries in the service book.

(iv) For the purpose of calculation of average emoluments, the Head of

Office shall verify from the service book the correctness of the emoluments
drawn or to be drawnduring the last ten months of service.

(v) In order to ensure that the emoluments during the last ten months of
service have been correctly shown in the service book, the Head of Office
may verify the correctness of emoluments only for the period of
twenty-four months preceding the date of retirement of a Government
servant, and not for any period prior to that date.

(c) Third Stage. - As soon as the second stage is completed, but not later
than eight months prior to the date of retirement of the Government
servant, the Head of Office shall –

(i) furnish to the retiring Government servant a certificate regarding the

length of qualifying service proposed to be admitted for the purpose of
pension and gratuity and also the emoluments and the average
emoluments proposed to be reckoned for retirement gratuity and pension.

(ii) direct the retiring Government servant to furnish to the Head of Office
the reasons for non-acceptance, supported by the relevant documents in
support of his claim within two months if the certified service and
emoluments as indicated by the Head of Office are not acceptable to him.

(iii) forward to the retiring Government servant Form 5 advising him to

submit the same duly completed in all respects so as to reach the Head of
Office not later than six months prior to his date of retirement.]

Pg-62 Back
60. Completion of pension papers. – [In cases under rule 59, the Head of
Office shall complete Part I of Form 7 not later than four months before
the date of retirement of a Government servant and in cases under rule
59-A, the Head of Office shall complete Part I of Form 7 within three
months after submission of Form 5 by a Government servant.]

61. Forwarding of pension papers to Accounts Officer

(1) After complying with the requirement of Rules 59 and 60, the Head of
Office shall forward to the Accounts Officer Form 5 and Form 7 duly
completed with a covering letter in Form 8 along with service book of the
Government servant duly completed, up-to-date, and any other
documents relied upon for the verification of service.

Pg-63 Back
65. Authorization of pension and gratuity by the Accounts Officer

[(1) (a) On receipt of pension papers referred to in rule 61, the Accounts
Officer shall apply the requisite checks, record the account enfacement
in Part II of Form 7 and assess the amount of pension, family pension and
gratuity and issue the pension payment order not later than one month
in advance of the date of the retirement of a Government servant on
attaining the age of superannuation.

(b) In the cases of retirement otherwise than on attaining the age of

superannuation, the Accounts Officer shall apply the requisite checks,
complete Part II of Form 7, assess the amount of pension, family pension
and gratuity, assess dues and issue the pension payment order within
three months of the date of receipt of pension papers from the Head of
Office.

(c) The Accounts Officer shall indicate in the Pension Payment Order, the
name of the spouse of the Government servant, if alive, as family
pensioner.

(d) The Accounts Officer shall also indicate in the Pension Payment Order,
the names of the permanently disabled child or children and dependent
parents and disabled siblings as family pensioners if there is no other
member of family to whom family pension may become payable before
such disabled child or children or dependent parents or disabled siblings.

(e) On receipt of a written communication from the Head of Office on an

application from an existing pensioner or family pensioner, the Accounts
Officer shall also indicate in the Pension Payment Order, the names of
the permanently disabled child or children and dependent parents and
disabled siblings as family pensioners if there is no other member of
family to whom family pension may become payable before such
disabled child or children or dependent parents or disabled siblings.

(f) The Pension Disbursing Authority shall authorise family pension to the
members of family referred to in clause (c), (d) or (e) in accordance with
the provisions of rule 81 in the order indicated in rule 54.
Pg-64 Back
Pg-65 Back
Pg-66 Back
Scheme Booklet issued by CPAO ( 4,6.4) -

The pensioner is not required to visit the bank to activate the first
payment of pension. On receipt of PPO Booklets the CPPC itself will
verify the identification details i.e. specimen signature, photos,
permanent address etc. of the pensioner given in the PPO booklet &
attached documents to it, from the details of "Know Your Customer"
norms applied at the time of opening of bank account by the retiring
Govt. Servant and other details available in their CBS System.

Pg-67 Back
 Government of India
Ministry of Finance
Department of Expenditure
Central Pension Accounting Office
Trikoot-II, Bhikaji Cama Place
New Delhi

Date : 09-06-2005

OFFICE MEMORENDUM

Sub :- Payment of Pension through Authorized Banks-Credit of pension to Joint

bank account operated by a pensioner with his/her spouse.

Under the facility of disbursement of pension through Authorized

Banks available to pensioners, a pensioner is entitled to receive his/her pension
by getting it credited to a saving/current bank account operated individually by
him/her. Paras 4.1, 4.2 and 12.9 of the “Scheme for Payment of Pension for
Central Government Civil Pensioners Through Authorized Banks” outline the
present procedure for credit of pension to Bank Account of the pensioner.
However, operation of a joint account is not permitted under the existing
scheme.

2. The matter whether pensioner should be given an option to receive

pension by getting it credited to their saving or current bank accounts operated
jointly with their spouses, has been under consideration. It has now been
decided to permit credit of pension also to a joint account operated by
pensioner with his/her spouse in whose favour an authorization for family
pension exists in the Pension Payment Order (PPO). The joint account of the
pensioner with the spouse could be operated either by ‘Former or Survivor’ or
‘Either or Survivor’ basis subject to the following terms and conditions:

Pg-68 Back
 a. Once pension has been credited to a pensioner’s bank account, the liability
of the Government/Bank ceases. No further liability arises, even if the
spouse wrongly draws the amount.

(b) As pension is payable only during the life of a pensioner, his/her death shall be
intimated to the bank at the earliest and in any case within one month of the
demise, so that the bank does not continue crediting monthly pension to the joint
account with the spouse, after the death of the pensioner. If, however, any amount
has been wrongly credited to the joint account, it shall be recoverable from the joint
account and/or any to her account held by the pensioners/spouse either individually
or jointly. The legal heirs, successors, executors etc. shall also be liable to refund any
amount, which has been wrongly credited to the joint account.

(c) Payment of Arrears of Pension(Nomination) Rules 1983 would continue to be

applicable to a Joint Account with the pensioner’s spouse. This implies that if there
is an ‘accepted nomination’ in accordance with Rules 5 and 6 of these Rules, arrears
mentioned in the Rules shall be payable to the nominee.

3. Existing Pensioners desiring to get their pension credited to a joint account as

indicated above are required to submit an application to the branch bank, from
where they are presently drawing pension in the enclosed form. This would also be
signed by the pensioner’s spouse in token of having accepted the terms. and
conditions laid down in this Office Memorandum

4. These instructions are also applicable to the Govt. servants who will be retiring
after the issue of this Office Memorandum.

5. The existing Scheme shall stand modified to the extent indicated above Formal
correction to the Scheme will be issued in due course by the Central Pension
Accounting Office.

6. All Ministries/Departments and all Authorized Banks are requested to give wide
publicity to the Office Memorandum so that pensioners may avail of this benefit.

Vandana Sharma
Chief Controller(Pension)

To

1. All Ministries/Departments of the Government of India.

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 Life Certificate (Scheme Booklet 15.1)

The pensioner would be required to furnish a lite cei1iticate in

November each year in the form prescribed. Officers of the
Reserve Bank of India and of the Authorised banks listed are
authorised to give life certificates for this purpose.

Non-employment Certificate (Scheme Booklet 15.3)

The pensioner would be required to furnish a certificate of

non-employment or employment/re-employment in a
Department/Office of Central or State Govt. or Union
territory or in a company, corporation, undertaking or
autonomous body or a registered society of Central or State
Govt. or Union Territory, or in a Nationalised Bank including
Reserve Bank of India and the State Bank of India, in a
local fund, yearly, i.e. in the month of November each
year in the form prescribed. In the case of a pensioner who
declares about his employment/re-employment with emoluments
which include D.A., A.D.A. etc., provisions of para 19.2 below
should be enforced.

Re-employment Certificate (Scheme Booklet 15.4)

Retired Central Govt. Group ‘A’ Officers are required lo furnish a

declaration in May and November, each year, in the forms
prescribed regarding acceptance/non-acceptance of Commercial
employment within two years from the dale of their retirement
and also about acceptance/non-acceptance of employment
under any Govt. outside India/an International Organisation of
which Govt. of India is not a member.

Continue to read about Life Certificate Pg-70 Back

 Life Certificate
1. Every year in the month of November, a Pensioner is required to
furnish Life Certificate for further continuation of his/her pension .

2. Pensioners in the age group of 80 years and above, can submit Life
Certificate from 1st October, every year, instead of November.
3. Life Certificate can be recorded by Pension Disbursing Banks, if
pensioner physically present himself/herself before pension paying
bank branch. Personal appearance of a pensioner will not be
required, if he/she submits the life certificate form signed by any
designated officer .
4. In order to facilitate pensioners for submission of life certificate
online, the portal ‘Jeevan Pramaan’ was launched in November 2014.

5. Digital Life Certificate through Jeevan Pramaan Portal can be

submitted from home by attaching biometric device to Personal
Computer or laptop. UIDAI has provided details of all biometric devices
along with model number and its brand, which are permissible for
capturing biometric of a person.

6. While submitting life certificate digitally through Jeevan Pramaan

Portal, a Pensioner has to provide Aadhaar Number, Name, Mobile
Number PPO Number, Pension Account number, Bank details, Name of
Pension Sanctioning Authority, Pension Disbursing Authority. Any
incorrect information may lead to rejection of the DLC by the pension
disbursing authority.

7. In the process of submitting Life Certificate from Jeevan

PramaanPortal, a Pensioner will receive two SMS .
a. SMS 1 : Jeevan Pramaan Portal will send the SMS confirming that
Jeevan Pramaan ID has been generated and will be sent to the
bank .

b. SMS 2 : The bank will process the information received from Jeevan
Pramaan Portal and accept the DLC for further continuation of
pension. The DLC can be rejected by bank if the information of
bank account number or PPO number is incorrect.

Pg-71
8. DLC can be also submitted from nearest Common Service Centre
or from any of the bank branch .

9. India Post Payments Bank (IPPB) through its wide network of

Postmen and Gramin Dak Sevaks is providing Doorstep facility to
pensioners for submission of Life Certificate digitally.

10. An alliance of Public Sector Banks (PSB) has included submission

of Life Certificate under Doorstep Banking Service. At
present Doorstep service for submission of Life Certificate through
Banking Agents is available at 100 major cities.
11. Pension Disbursing Banks have been advised to resort to Video
based Life Certificate within the guidelines of RBI. UCO Bank
has already started this successfully and other Banks have been
asked to follow suit.

12. A pensioner residing in abroad may submit Life Certificate

through any bank included in the Second Schedule to the
Reserve Bank of India Act, 1934, or any authorized official
of Embassy /High Commission /Indian Consulates may issue the Life
Certificate.
13. In case a pensioner is unable to visit Embassy /Consulate/High
Commission, he/she may submit requisite documents by post to
the Embassy/Consulate, including Doctor's Certificate showing the
pensioner's inability to present himself/herself in person.

14. In wake of pandemic, the timeline for submission of Life

Certificate has been extended from 30th November, 2020
onward, till 28th February 2021.

Pg-72 Index
CERTIFICATES TO BE FURNISHED BY THE PENSIONERS
Life Certificate: The pensioner would be required to furnish a life certificate in
November each year in the form prescribed . Officers of the Reserve Bank of India and
of the Authorised banks listed are authorised to give life certificates for this
purpose.

Pg-73 Back
 No. I /20/2018-l'&l'W (E)
Government of India Ministry of Personnel, Public
Grievances & Pensions Department of Pension &
Pensioners' Welfare

3rd t Floor, Lok NayakBhavan,

Khan Market, New Delhi-110003
Dated: 18.7.2019

OFFICE MEMORANDUM

Subject:- Submission of Life Certificate.

It has been the experience of this Department that the Senior Pensioners i.e. the
pensioners 80 years and above are facing a lot of difficulties standing in queues
while giving the Life Certificates in November. It has been under the consideration
of the Government to provide some relief to such pensioners.

2. It has therefore, been decided by the Government, that Senior Pensioners aged
80 years and above be allowed to give their Life Certificate w.e.f 1st October every
year instead of November which would be valid till 30th November of the
subsequent year.

3. The remaining pensioners below the age of 80 years may continue to give
their Life Certificate in November as per existing provisions of CPAO Scheme
booklet.

This has the approval of competent authority.

<;[�
Under Secretary to Govt. of
India
To
1. Shri Nitesh Kumar Mishra, Chief Controller of Pension, Ministry of Finance
Department of Expenditure, BhikaJi Cama Place, Rama Krishna Puram, New Delhi.
2. Shri Adnan Ahmed, DDG(Postal Operations), Oak Bhawan, Patel Chowk,
Delhi.
3. New All Pension Disbursing Banks.

Copy for information to

i. Chairman, Railway Board, Ministry of Railways, Rail Bhawan, New

Delhi.
ii. Secretary, Ministry of Defence.
iii. Secretary, Department of Ex-Servicemen.
iv. Secretary, Department of Financial Services.
v. Secretary, Department of Telecommunication.
vi. All Chief Secretaries of States.
vii. 0/o CGA.
viii. Jt. CGDA.

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4

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4

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9

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10

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11

No.18/1/2020-P&PW(C)-6681
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare
*****
8th Floor, Janpath Bhavan,
Janpath, New Delhi,
Dated: 11th September, 2020

OFFICE MEMORANDUM

Subject: - Extension of period for submission of Life Certificate from October 2020 till
December 2020.

Every Central Government pensioner has to submit life certificate in the month of
November for further continuation of his/her pension. It has been observed that a large
number of Central Government pensioners physically visit bank branches for this purpose.

2. Earlier, as a measure to enable additional dedicated time to very senior pensioners,

this department, vide its OM No. 1/20/2018-P&PW(E), dated 18.07.2019, allowed the
pensioners in the age group of 80 years and above, to submit Life Certificate from 1st
October onward instead of 1st November, every year.

3. In view of the ongoing Covid-19 pandemic and keeping in view of the vulnerability of
elderly population to Corona Virus, it has now been decided to extend the existing timeline
for submission of Life Certificate. This year, all Central Government pensioners may submit
Life Certificate from 1st November, 2020 onward, till 31st December 2020. However, the
pensioners in the age group of 80 years and above, can submit Life Certificate from
1st October, 2020 onwards, to 31 st December, 2020. During this extended period, the
pension will be continued to be paid by the Pension Disbursing Authorities (PDAs)
uninterrupted.

4. Further, in the line of RBI notification no. RBI/2019-20/138, dated January 9, 2020,
which permits Video based Customer Identification Process (V-CIP) as a consent based
alternate method of establishing the customer’s identity, PDAs may also explore the said
methodology for obtaining a Life Certificate from the pensioner, to the extent permitted by
RBI guidelines, in order to avoid rush at the branches.

5. The above measures are expected to avoid rush at branches and maintain social
distancing, while obtaining Life Certificates from the elderly this year. PDAs shall also ensure
proper arrangements and social distancing measures at the branches and prevent
overcrowding.

6. All Pension Disbursing Authorities are requested to take note of this OM for compliance
and give wide publicity to the same amongst the pensioners.

This issues with the approval of the competent authority.

(Rajesh Kumar)
Under Secretary to the Government of India
To,

1. CMDs of all Pension Disbursing Banks

2. Controller General of Accounts, Mahalekha Niyantrak Bhawan, Ministry of Finance,
GPO Complex, Block E, INA Colony, New Delhi, Delhi 110023

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3. Central Pension Accounts Office (CPAO), Ministry of Finance, Department of
Expenditure, Trikoot-II, Bhikaji Cama Place, New Delhi
4. CPPCs, All Pension Disbursing Banks
5. Chairman, Railway Board, Ministry of Railways, Rail Bhawan, New Delhi
6. Secretary, Ministry of Defence, South Block, New Delhi.
7. Secretary, Department of Ex-Servicemen Welfare, South Block, New Delhi.
8. Secretary, Department of Financial Services, Jeevan Deep Building, Sansad Marg,
New Delhi.
9. Secretary, Department of Telecommunications, Sanchar Bhavan, New Delhi.
10. Secretary, Department of Posts, Dak Bhavan, New Delhi
11. All Chief Secretaries of States.
12. Secretary ,Ministry of External Affairs, South Block, New Delhi
13. NIC:-for posting on website of this Department.

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12,13

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14

No.18/1/2020-P&PW(H)-Vol-III-6786
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare
*****
8th Floor, Janpath Bhavan,
Janpath, New Delhi,
Dated: 23rd November, 2020

OFFICE MEMORANDUM

Subject: - Extension of period for submission of Life Certificate by Central

Government pensioners till February 28, 2021.

*****

The undersigned is directed to refer to this Department’s O.M. No. 18/1/2020-

P&PW(C)-6681 dated 11th September, 2020 regarding the extension of timeline for
submission of Life Certificate by Central Government pensioners from 1 st November,
2020 onward, till 31st December 2020.

2. This Department has been in receipt of numerous petitions from various

Pensioners’ Associations as well as individuals requesting a further extension in the
date for submitting Life Certificate, in view of the ongoing Covid-19 pandemic and
the vulnerability of elderly population to Corona Virus. After consultation with the
office of Controller General of Accounts, it has now been decided to further extend
the existing timeline for submission of Life Certificate. This year, all Central
Government pensioners may submit Life Certificate from 1 st November, 2020
onward, till February 28, 2021. During this extended period, the pension will be
continued to be paid by the Pension Disbursing Authorities (PDAs) uninterrupted.
3. The above measures are expected to avoid rush at branches, stagger the
submission of the LCs by the elderly population while maintaining social distancing,
and to that extent, prevent the spread of Corona virus. PDAs shall also ensure
proper arrangements and social distancing measures at the branches and prevent
overcrowding.
4. All Pension Disbursing Authorities are requested to take note of this OM for
compliance and give wide publicity to the same amongst pensioners.
This issues with the approval of the competent authority.

(Rajesh Kumar)
Under Secretary to the Government of India

To,

1. Secretary, Dept of Expenditure, Ministry of Finance, North Block, New Delhi.

2. CMDs of all Pension Disbursing Banks

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 -2-

3. Controller General of Accounts, Mahalekha Niyantrak Bhawan, Ministry of

Finance, GPO Complex, Block E, INA Colony, New Delhi.
4. Central Pension Accounts Office (CPAO), Ministry of Finance, Department of
Expenditure, Trikoot-II, Bhikaji Cama Place, New Delhi.
5. CPPCs, All Pension Disbursing Banks.
6. Chairman, Railway Board, Ministry of Railways, Rail Bhawan, New Delhi.
7. Secretary, Ministry of Defence, South Block, New Delhi.
8. Secretary, Department of Ex-Servicemen Welfare, South Block, New Delhi.
9. Secretary, Department of Financial Services, Jeevan Deep Building, Sansad
Marg, New Delhi.
10. Secretary, Department of Telecommunications, Sanchar Bhavan, New Delhi.
11. Secretary, Department of Posts, Dak Bhavan, New Delhi
12. All Chief Secretaries of States.
13. Secretary, Ministry of External Affairs, South Block, New Delhi
14. NIC: -for posting on website of this Department.

Continue to read about TA on Retirement Pg-92 Back

 TA on Retirement
1. The Travelling allowances would be admissible to the
retired government servant and member of his family from
the last station of his duty to his home town or to the place
where he and his family is to settle down permanently even if
it is other than his declared home town.
2. T.A. Entitlement on Retirement includes 4 components :
a. Travel entitlement for self and family
b. Composite Transfer grant (CTG)
c. Reimbursement of charges on transportation of personal
effects; and
d. Reimbursement of charges on transportation of conveyance
3. If a Government servants who, on retirement, settles at the last
station of duty itself or within a distance of less than 20 kms may be
paid one third of the CTG subject to the condition that a change of
residence is actually involved.
4. The Composite Transfer Grant shall be paid at the rate of 80% of the
last month's basic pay in case of transfer involving a change of station
located at a distance of or more than 20 kms from each other.
5. Transportation of Personal Effects : Table

Transportation of Personal Effects

Level By Train/Steamer By Road

12 and above 6000 Kg by goods train/4 wheeler wagon/

Rs. 50/- per km
1 double container

6000 Kg by goods train/4 wheeler

6 to 11 Rs. 50/- per km
wagon/ 1 single container

5 3000 Kg
Rs. 25/- per km

4 and below 1500 Kg Rs. 15/- per km

Pg-93
 6. Transportation of Conveyance: Table

Transportation of Conveyance
Level Reimbursement By Road

6 and above 1 motor car etc,or 1 motor cycle/ scooter Rs. 50/- per km

5 and below 1 motor cycle/ scooter/ moped/ cycle Rs. 50/- per km

7. The claim of a Govt. servant to Travelling Allowance on Retirement,

is forfeited or deemed to have been relinquished, if the claim for it is
not preferred within sixty days succeeding the date of completion of
the journey. Similarly, TA claims in r/o transportation of personal
effects and conveyance shall be submitted within sixty days
succeeding the date on which these are actually delivered to the
Govt. servant at the new station.
8. ln respect of claim for Travelling Allowance for journey
performed separately by the Retired officer and members of his
family, the dates should be reckoned separately for each journey and
the claim shall be submitted within sixty days succeeding the date of
completion of each individual journey.

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Continue to read about CGGISPg-107 Back
Central Government Employees
Group Insurance Scheme
1. The scheme was notified on 1st November, 1980 and came into
effect from 1st January 1982 with the objective to provide a low
cost self reliant insurance coverage to Government servant .

2. The Scheme has got two funds, i.e. Insurance Fund

and Savings Fund. The subscription to the scheme is
apportioned between the Insurance Fund and the Savings Fund
at the rate of 30% to Insurance Fund and 70% to Savings Fund.

3. The balance in the Savings Fund with accumulated interest

thereon will be paid back to the employees who retire, reign
from service, etc. The interest on saving fund is calculated
based on table published by DOE on quarterly basis.

4. It is recoverable every month till the end of service including

the month in which the employee retires, dies, resigns or is removed
from service etc.

5. In order to avoid delay in the payment of CGEIS, DOE

has issued direction to pay the amount of CGEIS without
verifying each and every contribution, if service of that particular
period is verified.

6. On death of a Government servant during service, an

insurance amount of Rs. 1,20,000/-, Rs. 60000/- and Rs. 30000/-
is paid to the family of a Group A, Group B and Group C
Government servant, respectively, in addition to the amount in the
savings fund.

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Continue to read about Leave Encashment Pg-122 Back
 LEAVE ENCASHMENT
1. Earned Leave and Half Pay Leave shall be considered for
encashment of leave on retirement subject to overall limit of
300 days.
2. The cash equivalent payable for Earned Leave shall be calculated
on the last Pay drawn and the Dearness Allowance admissible on the
last pay.

3. The Cash equivalent for half pay leave component shall be equal
to leave salary as admissible for Half Pay Leave plus Dearness
Allowance admissible on the leave salary.

4. Delays in reckoning the leave accumulations at the credit

of Government servant at any stage, particularly at the time of
his retirement on superannuation, can be construed as administrative
lapse.

Pg-123 Index
 No.14028/3/2008-Estt.(L)
Government of India
Ministry of Personnel, Public Grievances & Pensions
[Department of Personnel & Training]

New Delhi, the 25 h September, 2008.

OFFICE MEMORANDUM

Subject:- Recommendations of the Sixth Central Pay Commission relating to

encashment of leave in respect of Central Government civilian employees.

Consequent upon the decisions taken by the Government on the

recommendations of the Sixth Central Pay Commission relating to encashment
of leave in respect of Central Government civilian employees, the President is
pleased to decide that in supersession of all earlier orders on the subject, both
Earned Leave and Half Pay Leave shall be considered for encashment of leave
subject to overall limit of 300 days. The cash equivalent payable for Earned
Leave shall continue unchanged. However, cash equivalent payable for Half
Pay Leave shall be equal to leave salary as admissible for Half Pay Leave plus
Dearness Allowance admissible on the leave salary without any reduction being
made on account of pension and pension equivalent of other retirement
benefits payable. To make up the shortfall in Earned Leave, no commutation of
Half Pay Leave shall be permissible. The Cash equivalent for half pay leave
component shall, henceforth, be calculated in the manner indicated below:-

Half pay leave salary Number of days of half

admissible on the date pay leave at credit
of retirement plus subject to the total of
Dearness Allowance earned leave and HPL
Cash payment in admissible on that date
lieu of half pay = --------------------------------- at credit not exceeding
x 300 days.
leave component 30

2. These orders shall take effect from 1s September, 2008.

3. Formal amendments to the Central Civil Services (Leave) Rules, 1972 are
being issued separately.

4. In so far as persons serving in the Indian Audit & Accounts Departments are
concerned, these orders are issue in consultation with the Comptroller &
Auditor General of India.

5. Hindi version will follow.

(Simmi R. Nakra)
Director(P&A)
To
All Ministries/Departments of the Govt. of India, etc.(As per standard mailing
list).
Pg-124 Back
F.No.14028/3/2008-Estt.(L) New Delhi, the 25thSeptember, 2008.

Copy also forwarded to:

(1) Office of the Controller General of Accounts, Ministry of Finance.
(2) Secretaries to Union Public Service Commission/Supreme Court of
India/ Election Commission/Lok Sabha Sectt./Rajya Sabha Sectt./
Cabinet Sectt./Central Vigilance Commission/President's Sectt./
Vice-President's Sectt./ Prime Minister's Office/Planning
Commission. _
(3) All State Governments and Union Territories.
(4) Governors of all States/Lt. Governors of all Union Territories.
(5) Secretary, National Council of JCM (Staff Side), 13-C, Feroz
Shah Road, New Delhi.
(6) All Members of Staff Side of the National Council of JCM/
Departmental Council.
(7) All Officers/Sections of DOPT/Deptt. of Administrative Reforms &
Public Grievances/Department of Pensions & Pensioners Welfare/
PESB.
(8) Ministry of Finance, Department of Expenditure
(9) Official Language Wing (Legislative Deptt.), Bhagwan Dass Road,
New Delhi.
(10) Railway Board, New Delhi.
(11) NIC, DOPT - With the request to upload the contents of this O.M.
on the Website of this Department - www.persmin.nic.in
(12) 100 spare copies.

(Simmi R. Nakra)
Director(P&A)

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 No. 18019/6/2013-Estt(L)
Government of India/Bharat Sarkar
Ministry of Personnel, Public Grievances and Pensions
Department of Personnel and Training

New Delhi, the October, 2013

OFFICE MEMORANDUM

Subject: Timely payment of dues of encashment of leave to Government

servants retiring on attaining the age of superannuation — need to obviate
delays in payment of such dues - regarding.

The undersigned is directed to state that in terms of the provisions of rule 39

of the CCS(Leave) Rules, 1972, the authority competent to grant leave is
suo motu required to issue an order granting cash equivalent of leave salary
for both earned leave and half pay leave, if any, at the credit of the
Government servant on the date of his retirement, subject to the prescribed
limits.

2. It has since been brought to the notice of this Department that the
concerned administrative authorities as indicated in First Schedule to the
said rules including authorities subordinate to the leave sanctioning
authorities to whom such powers have been delegated, are not ensuring that
the dues, as admissible to a Government servant retiring on attaining the
age of superannuation, are promptly paid. This has led to avoidable
litigation where courts have been directing payment of interest on such
delayed payments. It has been observed from the references received in this
Department that the delays in such payments are predominantly due to
avoidable administrative reasons relating to processing of such cases.

3. It is further stated that the Leave Account of a Government servant is a

dynamic document which is required to be revisited periodically to record
credits of Earned Leave and Half Pay Leave in terms of provisions of rules 26
and 29 of the CCS(Leave) Rules, 1972 with entries made on each occasion
the Government servant avails the leave of the kind due and admissible to
him. Further, the said rules envisage that advance credits be made in the
leave account of the Government servant and a constant check maintained
to ensure that the total accumulations at any given time do not exceed 300
+IS days.

4. Delays in reckoning the leave accumulations at the credit of Government

servant at any stage, particularly at the time of his retirement on
superannuation, cannot be acceptable and can be construed as
administrative lapse, liable to attract provisions of the CCS(Conduct) Ru1eS,
1964 and CCS(CCA) Rules, 1965. All cases of delay may be looked into and
delays in disbursement of dues to Government servants retiring on attaining
the age of superannuation be avoided.

Pg-126 Back
 5. The administrative authorities may consider putting in place a
mechanism to check such delays and define various processing
parameters and time lines viz. issuance of orders in respect of such
retiring Government servants who have 300+15 days earned leave at their
credit on the 20" of the month in which they are retiring as any leave
availed by such Government servants shall not impact the maximum
ceiling of encashment of such leave even if any request is made for grant
of earned leave during the said period. The possibility ofe-transfer of dues
can also be worked out in consultation with respective P&AOs.

6. All Ministries/Departments are accordingly advised to bring the position

referred to in this OM to the notice of all concerned from the perspective
of ensuring that the dues of leave encashment in respect of Government
servants retiring on attaining the age of superannuation are discharged
with due promptness. It maybe ensured that sanction orders, in this
regard are issued timely, so that dues admissible to the Government
servants on attaining the age of superannuation, on account of
encashment of leave, are discharged as soon as possible, preferably on
the next working day following the date of their retirement on
superannuation.

(Mukul Ratra)
Director
All Ministries/Departments of the Govt. of India, etc.
(As per standard mailing list).

Continue to read about GPF Pg-127 Back

 General Provident Fund
1. A subscriber shall, nominate one or more family members to
receive the amount that may stand to his credit in the fund, in the
event of his death.

2. The subscriber may nominate following family members to

receive the GPF accumulation after his death -

a. Spouse
b. Parents
c. Children,
d. Minor brothers,
e. Unmarried sisters
f. Deceased son‘s widow and children
g. and where no parents of the subscriber is alive, a paternal
grandparent.

3. Female subscriber by notice in writing to the Accounts Officer

can exclude the name of her husband from the definition of family
for the purpose of receiving GPF accumulation after her death.

4. Every nomination made and cancellation given by subscriber

shall take effect on the date on which the Accounts Officer receives
it. But nomination/cancellation of nomination of a subscriber held
valid even if he dies before it reaches the Accounts Officer.

5. Subscription to be compulsorily discontinued during the last 3

months of service on superannuation.

6. A Government servant within 2 years of his retirement on

superannuation may withdraw upto 90% of the balance in his
GPF account, without assigning any reason.

7. No application is required for final payment of GPF at the time

of retirement.

Pg-128 Index
8. If there is delayed in the final payment of GPF after retirement,
the Interest to be paid at the end of the month preceding that in
which the payment is made, or up to the end of the sixth month after
the month in which such amount, became payable whichever of
these periods be less.

9. A complete statement of all credits, debits and interest,

since inception of the GPF account, shall be provided to every
subscriber, mandatorily two years before his date of retirement and
thereafter one year before the date of retirement.

Pg-129 Index
Rule 5(1) of GPF Rule 1960 .-

Nominations - (1) A subscriber shall, at the time of joining the Fund,

send to the Accounts Officer through the Head of Office a
nomination conferring on one or more persons the right to receive
the amount that may stand to his credit in the Fund in the event of his
death, before that amount has become payable or having become
payable has not been paid: Provided further that a subscriber who
has a family at the time of making the nomination shall make such
nomination only in favour of a member or members of his family.
If a subscriber nominates more than one person under sub-rule (1),
he shall specify in the nomination the amount or share payable to
each of the nominees in such manner as to cover the whole of the
amount that may stand to his credit in the Fund at any time. (3) Every
nomination shall be made in the Form set forth in the First Schedule. (4)
A subscriber may at any time cancel a nomination by sending a
notice in writing to the Accounts Officer. The subscriber shall,
along with such notice or separately, send a fresh nomination
made in accordance with the provisions of this rule.

Pg-130 Back
Rule 2 ( c) of GPF Rules 1960 –

"Family" means- (i) in the case of a male subscriber, the wife or wives,
parents, children, minor brothers, unmarried sisters, deceased son's
widow and children and where no parents of the subscriber is alive, a
paternal grandparent: Provided that if a subscriber proves that his wife
has been judicially separated from him or has ceased under the
customary law of the community, to which she belongs to be entitled to
maintenance she shall henceforth be deemed to be no longer a member
of the subscriber's family in matters to which these rules relate unless the
subscriber subsequently intimates, in writing to the Accounts Officer that
she shall continue to be so regarded;

Rule 2 ( c) (ii) of GPF Rules 1960

In the case of a female subscriber, the husband, parents, children,

minor brothers, unmarried sisters, deceased son's widow and
children and where no parents of the subscriber is alive, a
paternal grandparent: Provided that if a subscriber by notice in
writing to the Accounts Officer expresses her desire to exclude her
husband from her family, the husband shall henceforth be deemed to be
no longer a member of the subscriber's family in matters to which
these rules relate, unless the subscriber subsequently cancels such
notice in writing.

Pg-131 Back
 No 3/2/2017-P&PW(F)(ii)
Ministry of Personnel, PG & Pensions Department of Pension &
Pensioners’ Welfare
Desk-F
3rd Floor, Lok Nayak Bhavan,
Khan Market, New Delhi-110003
Dated the 7th March, 2017.
OFFICE MEMORANDUM

Subject: Amendment to the provisions of General Provident Fund (Central

Service)Rules 1960- liberalization of provisions for withdrawals from the
Fund by the subscribers — regarding.

The General Provident Fund (Central ServiGe)Rules came into force in

1960 and Rule 15 of the said rules provide for withdrawals by the
subscribers. Some amendments have been made from time to time to
address the concerns raised by the subscribers. However, the provisions,
largely remain restrictive. There is a felt need to liberalize provisions,
raise limits and simplify the procedure.

2. The provisions in the rules have been reviewed and it has now been
decided to permit withdrawals from the fund by the subscriber for the
following purposes:

(i) Education — This will include primary, secondary and higher education,
covering all streams and institutions,

(ii) Obligatory Expenses viz. betrothal, marriage, funerals, or other

ceremonies of self of family members and dependants,
(iii) Illness of self, family members or dependants,
(iv) Purchase of consumer durables.

3. It has been decided to permit withdrawal of upto twelve months

pay or three-fourth of the amount standing at credit, whichever is less.
For illness, the withdrawal may be allowed upto 90% of the amount
standing at credit of the subscriber. A subscriber may seek withdrawal
after completion of ten years of service.
(v) Housing including building or acquiring a suitable house or a
ready built flat for his residence,
(vi) Repayment of outstanding housing loan,
(vii) Purchase of house site for building a house,
(viii) Constructing a house on a site acquired,
(ix) Reconstructing or making additions on a house already acquired,
(x) Renovating, additions or alterations of ancestral house.
(xi) Purchase of motor car/motor cycle/ scooter etc. or repayment of
loan already taken for the purpose,
(xii) Extensive repairs /overhauling of motor car,
(xiii) Making deposit to book a motor car/motor cycle/scoter, moped etc.

Pg-132 Back
4. A subscriber may be allowed to withdraw upto ninety percent of the
amount standing at credit for the above purposes. It is also decided do
away with the present instructions which lay down that subsequent to the
sale of house for which GPF withdrawal has been availed, the amount
withdrawn has to be deposited back. GPF withdrawal for housing purpose
will no longer be linked with the limits prescribed under HBA rules. A
subscriber may be permitted to avail the facility at any time during his
service.

5. A subscriber may be permitted to withdraw three- fourth of the amount

standing at credit or cost of the vehicle, whichever is less for the above
purposes. Withdrawal for the above purpose will be permitted after
completion of 10 years of service.

6. Presently, withdrawal of upto 90% of balance without assigning reasons

is allowed for Government servants who are due for retirement on
superannuation within a year. It is proposed that this may be allowed for
upto two years before superannuation.

7. In all cases of withdrawal from the fund by the subscriber, the declared
Head of Department is competent to sanction withdrawal. No documentary
proof will be required to be furnished by the subscriber. A simple
declaration form by the subscriber explaining the reasons for withdrawal
would be sufficient.

8. As per the GPF(CS) Rule 1960, no time limit has been prescribed for
sanction and payment of withdrawal amount. Therefore, it has been
decided to prescribe a maximum time limit of fifteen days for sanction and
payment of withdrawal from the Fund. In case of emergencies like illness
etc., the time limit maybe restricted to seven days.

9. Necessary amendment to the GPF(Central Service)Rules 1960, giving

effect to the above provisions will be issued in due course.

10. In so far as persons serving in Indian Audit and Accounts Department

are concerned, these orders issue in consultation with the Comptroller and
Auditor General of India.

11. This issues with approval of Department of Expenditure, vide their ID

No. 4(1)/E- V/2017 dated 28.02.2017.

12. Hindi version of this OM will follow

To,
1. All Ministries/Departments ( As per Standard Mailing list)
2. Office of C&AG, DDU Marg, New Delhi.
3. Copy to NIC Cell for uploading on the website of the Department.

Pg-133 Back
Rule 15 ( C ) of GPF rules :

Withdrawals from the Fund

Subject to the conditions specified therein, withdrawals may be

sanctioned by the authorities competent to sanction an advance for
special reasons under sub-rule (2) of Rule 12, at any time-
If a subscriber within twelve months before the date of his retirement on
superannuation may apply for withdrwal of the amount standing to the
credit in the Fund, without linking to any purpose.

Pg-134 Back
Pg-135 Back
Rule 7 of GPF Rules 1960 :

Every nomination made, and every notice of cancellation given by

a subscriber shall, to the extent that it is valid, take effect on the date
on which it is received by the Accounts Officer.

Rule 11(4) of GPF Rules :

In addition to any amount to be paid under Rules 31, 32 or 33, interest

thereon up to the end of the month preceding that in which the payment
is made, or up to the end of the sixth month after the month in which such
amount, became payable whichever of these periods be less, shall be
payable to the person to whom such amount is to be paid

Pg-136 Back
 No.3/7/2020-P&PW (Desk-F) E.6574
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare
*****
8th Floor, B-Wing, Janpath Bhavan,
Janpath, New Delhi-110001,
Dated: July 17, 2020
OFFICE MEMORANDUM

Subject: - Missing entries in GPF accumulation of subscribers

*****
This of�ice has been receiving grievances from retired government servants for inaccurate
and delayed GPF settlement, along with interest, on their retirement, due to frequent instances of
missing credits in their GPF accounts. The missing credits in GPF were reported mostly by
subscribers, who during their service moved from one establishment to another or were assigned
foreign deputation and also by of�icers of All India Service, who proceeded on deputation outside
their cadres. In these cases it was observed that the GPF account is maintained by an establishment
different from that generating their salary bills and deducting their GPF subscription. Needless to
say that a co-ordination mechanism between such two establishments is most crucial to avoid any
lapses in updated maintenance of GPF accounts.

2. In order to avoid such grievances and for the sake of greater transparency, it has henceforth
been decided that,

i. it shall be mandatory for all of�ices maintaining GPF Accounts to intimate the particulars of missing credits, once every
�inancial year, to the authority responsible for deducting the GPF subscription, under intimation to the concerned subscriber.
ii. A complete statement of all credits, debits and interest, since inception of the GPF account, shall be provided to every
subscriber, mandatorily two years before his date of retirement and thereafter one year before the date of retirement. Any
subscriber can make a representation on such a statement provided to him and the of�ice maintaining the GPF account shall
resolve the grievance within 60 days from the date of receipt of such a grievance.

3. The Administrative Divisions of all Ministries/Department and attached/subordinate of�ices

are requested to bring these instructions to the notice of all concerned for strict compliance.

i. All the Ministries/ Departments, Government of India

ii. Comptroller and Auditor General of India

iii. Controller General of Accounts

iv. All Accountant General (State)

v. NIC, DoPPW: for uploading on website of this Department.

Pg-137 Back
 FIXED MEDICAL ALLOWANCE

1. The amount of Fixed Medical Allowance has been increased

from Rs 500 /- to Rs 1000/- Per Month w.e.f 29.11.14.
2. Fixed Medical allowance is payable to the pensioners
residing in Non-CGHS area.

3. The pensioners residing in a place where CGHS facilities

are available cannot opt for Medical Allowance of in lieu of
OPD facilities.

Pg-138 Index
Pg-139 Back
Pg-140 Back
 Retirement Benefits
Medical Facilities for Pensioners
No.45/57/97-P&PW(C)
Government of India
Ministry of Personnel, Public Grievances & Pensions
(Department of Pension & Pensioners’ Welfare)
3rd Floor, Lok Nayak Bhavan,
New Delhi-110003
Dated the 24th August, 1998

OFFICE MEMORANDUM
Subject: Implementation of Government’s decision on the recommendations of the
5th Central Pay Commission – Grant of fixed medical allowance @ Rs.100/- p.m.
to Central Government pensioners residing in areas not covered under CGHS –
clarifications in respect of existing pensioners.

The undersigned is directed to refer to this Department’s O.M. of even number

dated 19th December, 1997 on the subject mentioned above and to clarify the
position with regard to paras 2,3 and 4 of the Office Memorandum:-

1. The recommendation of the Fifth Pay Commission for payment of fixed Medical
Allowance is specifically for pensioners/family pensioners residing in areas not
covered by CGHS.

2. The pensioners residing in a place where CGHS facilities are available cannot
opt for Medical Allowance of Rs.100/- p.m. in lieu of OPD facilities.

3. As CGHS facility is not made compulsory to all the Central Government

pensioners, there are several pensioners who have not opted for such facility at
the time of their retirement. In such cases, the fixed Medical Allowance is not
payable if they are residing in areas where CGHS facility exists.

The fixed Medical Allowance of Rs.100/- p.m. in lieu of OPD facilities has to be
paid to the pensioners on the basis of declaration submitted by them that they
are residing in the area where CGHS facility is not available.

In view of the position mentioned above it is further clarified that medical

Allowance of Rs.100/- p.m. is only for pensioners/family pensioners residing in
non-CGHS areas. Wherever CGHS facilities are available, the Medical Allowance
is not payable to the pensioners.

1. Option for Medical Allowance is to be given by only those pensioners who are
residing outside CGHS areas.

2. Wherever Medical Allowance of Rs.100/-p.m. has been paid to the pensioners

who are residing in areas where CGHS facilities are available, suitable recoveries
may be made from them.
Pg-141 Back
3. A list of cities where CGHS facilities are available is enclosed for guidance.

(RATTAN LAL)
Deputy Secretary to the Govt. of India.

To
All Ministries/Departments of Government of India.

LIST OF CITIES COVERED UNDER THE CGHS

1. Ahmedabad
2. Allahabad
3. Bangalore
4. Bhubaneshwar
5. Delhi/New Delhi
6. Mumbai
7. Calcutta
8. Guwahati
9. Hyderabad
10. Jabalpur
11. Jaipur
12. Kanpur
13. Lucknow
14. Chennai (Madras)
15. Meerut
16. Nagpur
17. Patna
18. Pune
19. Ranchi
20. Tiruannathapuram
21. Gurgaon
22. Noida
23. Faridabad
24. Gaziabad

Department of Personnel and Training

Department of Administrative Reforms & Public Grievances.

Pg-142 Back
 Recent Pension Policy Reforms
List of Orders / Instructions Issued During 01.01.2020 to 31.12.2020

S.No File No. Subject O.M. Date Page No.

1 12/4/2020 Obtaining of Life Certificate by Banks from 17.01.2020 146 to 148

P&PW(C)-
6300 the doorstep of the pensioners

2 Counting of service on joining new service

in State Government /Central Government 149 to 150
12.02.2020
7/5/2012 /autonomous body for the benefit of
P&PW(F)/B
gratuity in respect of Central Govt.
Employees covered under National
Pension System (NPS)
3 Coverage under Central Civil Services
(Pension) Rules 1972, in place of National
Pension System, of those Central
57/04/2019-
P&PW(B)
Government employees whose selection 17.02.2020 151 to 153
for appointment was finalized before
01.01.2004 but who joined Government
service on or after 01.01.2004
4 12/5/2020- Consolidated Instruction on Life Certificate
P&PW(C)-
and commencement of family pension if
6363 20.02.2020 155 to 156
pensioner / family pensioner is living
abroad
5 1/6/2020- Co-authorization of permanently disabled
P&PW (E)
child/children in PPO for Family Pension -
03.03.2020 157 to 158
reg
6 12/4/2020- Consolidated instructions for Pension
P&PW(C)-
Disbursing Authorities to ensure smooth
6300 15.05.2020 159 to 162
payment of pension/family pension to
pensioners/family pensioners

143 Index
7 28/30/2004- Mobility of personnel amongst Central
P&PW (B)
/State & Autonomous Bodies while
11.06.2020 163 to 164
working under Pensionable establishments
- Regarding
8 38/37/2016- Revision of pension of pre-2016
P&PW(A)
pensioners/family pensioners in
implementation of Governments decision
on the recommendations of the 7th 18.06.2020 166 to 168
Central Pay Commission- Concordance
Table Corrigendum regarding
9 38/37/16- Regulation of pension and other
P&PW(A)
retirement benefits of Government
servants who were on Extraordinary
leave/unauthorized absence/suspension 22.06.2020 169 to 170
as on 01.01.2016 and retired or died
thereafter without joining duty
10 57/04/2019- Coverage under Central Civil Services
P&PW(B)
(Pension) Rules, 1972, in place of National
25.06.2020 171 to 173
Pension System (NPS) in terms of DoPPW
OM dated 17.02.2020 - clarifications-
regarding
11 Dispensing with the requirement of BSR 27.06.2020 174
12/12/2020
P&PW(C)- code of bank from the pension claim forms
6526

12 12/9/2020- Provisional release of retirement benefits 17.07.2020 175 to 178

P&PW(C)-
6450 as per Rule 64 of CCS (Pension) Rules, 1972
during Covid Pandemic time
13 3/7/2020- Missing Entries in GPF Accumulation of 17.07.2020 179
-P&PW(Desk
-F)E.6574 Subscribers

14 1/7/2017- Grant of Disability Pension, comprising 28.07.2020 180 to 181

P&PW(F)
service element and disability element to
pre-2006 disability pensioners, who were
boarded out from service, with less than
10 years of qualifying service, due to an

144 Index
 injury/disability, attributable to Govt.
service

15 1/11/2020- Relaxation of Rule 80-A for Payment of 29.07.2020 182 to 184

P&PW(F)
Provisional Family Pension on Death of a
Government Servant during service
16 55/11/2017 Facility for Central Government Civil 26.08.2020 185
P&PW(C)/E-
4513 Pensioners to store Electronic PPO in Digi
Locker
17 18/1/2020- Extension of period for submission of Life 11.09.2020 187 to 188
P&PW(C)-
Certificate from October 2020 till
6681
December 2020
18 18/1/2020- Extension of period for submission of Life 23.11.2020 189
P&PW(H)-
Vol-III-6786
Certificate by Central Government
pensioners till February 28, 2021

145 Index
 No.12/4/2020-P&PW(C)-6300

Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare
*****
8th Floor, Janpath Bhawan,Janpath,
New Delhi-01,
Dated: 17 January, 2020

CIRCULAR

Subject: Obtaining of Life Certificate by Banks from the doorstep of the pensioners

The undersigned is directed to say that instructions have been issued from time to time for
submission of Life Certificate by the pensioners during the month of November every year.
Attention is also drawn to the following circulars meant to facilitate submission of Life Certificate by
Pensioners and ensure Ease of Living for them:

i. CPAO/Tech/Grievances/2010-11/531 dated 30.06.2011 issued by Central Pension

Accounting Office, New Delhi, which provides for exemption from personal appearance by
Pensioners submitting Life Certificate, if the prescribed form in Annexure-XVII of Para
15.2(i) of Scheme Booklet, is signed by certain specified authorities.
ii. CPAO/Tech/Life Certificate/2014-15/31-32 dated 30.01.2015 issued by Central Pension
Accounting Office, New Delhi, which highlights the Digital Life Certificate mode of
submission as part of Prime Minister’s “Digital India” scheme.
iii. RBI/2014-15/587 dated 07.05.2015 issued by the Reserve Bank of India, prescribing
mandatory issue of acknowledgement to Pensioners on submission of Life Certificates and
promoting the use of digital life certificates among Pensioners which would eliminate the
need for their physical presence at branches.
iv. RBI/2017-18/89 dated 09.11.2017, issued by Reserve Bank of India, directing Banks for
enabling Ease of submitting Life Certificate whereby a Pensioner can submit Life Certificate
in any branch of the pension paying Bank and the same is uploaded promptly in CBS by the
receiving branch itself. It also directs all Banks to ensure Door-step submission of Life
Certificate facility along with Banking to all senior citizens of more than 70 years of age and
differently abled or infirm persons including pick up of cash and delivery of cash against
withdrawal.
v. OM No. 1/20/2016-P&PW(E) dated 14.11.2017 issued by Department of Pension &
Pensioners’ Welfare, which re-iterates RBI’s concern w.r.t. old/infirm pensioners for whom
Banks should make concrete efforts to provide the facility of obtaining LC from their
premises/residence and exempt personal appearance.
vi. OM No. 1/20/2018-P&PW (E) dated 18.07.2019, issued by Department of Pension &
Pensioners’ Welfare, which prescribes that pensioners aged 80 years and above may be
allowed to give their Life Certificate w.e.f. 1st October every year, which would be valid till
30th November of the subsequent year, in order to provide Senior pensioners with an
exclusive window at Banks for the activity and avoid the general rush.

146 Back
 (2) In spite of detailed instructions, as brought out above, it has been observed that a large
number of pensioners (around 8-10 percent) are unable to submit their life certificate by the
stipulated date, i.e. 30th November every year on account of various reasons. The pension
disbursing authorities/banks are constrained to discontinue disbursement of their monthly pension
in such cases due to non-submission of the life certificate. Such pensioners face a lot of difficulty
in re-commencement of their pension.

(3) In order to promote Ease of Living for Pensioners and minimize the cases of non-
submission of Life Certificate by the pensioners and ensure uninterrupted disbursement of pension
to them, in addition to the instructions contained in Para 1 above, the following instructions are
hereby issued for strict compliance: -

i. All Pension disbursing banks shall send SMS/E-mail to the pensioners on 24thOctober,
1st November, 15th November and 25th November, every year reminding them to submit
their Annual Life Certificate by the stipulated date, i.e. 30th November.
ii. All Pension disbursing banks shall make an exception list as on 1st December every year of
those pensioners who fail to submit their Life Certificate by 30 th November and send
SMS/E-mail to the pensioners included in the aforesaid exception list advising them to
submit the Life Certificate at the earliest to avoid discontinuation of their pension. The Bank
shall also ask such pensioners through SMS/E-mail as to whether they are interested in
submission of Life Certificate through doorstep visit by the bank. Wherever a call centre
/App based facility is available, Banks should also encourage taking request for doorstep
visits through such modes. The banks shall not charge any Pensioner more than Rs. 60/-
for such a doorstep visit. In line with the Reserve Bank of India circular RBI/2014-15/587
dated 07.05.2015, all banks shall encourage promoting Life Certificate through Digital
means.
iii. As regards pensioners who have failed to submit their Life certificate for the year 2019, the
banks will prepare an exception list of such pensioners immediately and follow the steps
mentioned in sub-para 3(ii) above.
iv. The CPPCs of Pension Disbursing Banks (in case of more than 1 CPPC in any Bank then
one nominated official on behalf of the bank as a whole) shall report to the Department of
Pension & Pensioners’ Welfare in the months of January, February and March,
respectively, the total number of Central Govt Pensioners who have given the Life
Certificate, the number of Pensioners who have not given their Life Certificate, along with a
break-up of the certificates submitted physically and through digital means on the following
email address: [email protected]

147 Back
 (4) CPPCs/Branches of your bank may be advised to strictly comply with the above
instructions. The banks are also requested to give wide publicity by putting up these instructions in
their websites and also on the notice boards of the branches of the bank etc.

This is issued with approval of competent authority.

Hindi version will follow.

(Rajesh Kumar)
Under Secretary to the Government of India
Tel No. 23310108
To,
CMDs of all Pension Disbursing Banks

Copy for information to: (1) Central Pension Accounts Officer, CPAO-Trikoot-II, Bhikaji Cama
Place, New Delhi (2) Department of Financial Services, Jeevan Deep Building, Sansad Marg, New
Delhi

148 Back
 No. 7/5/2012-P&PW(F)/B
Ministry of Personnel, Public Grievances and Pensions
Department of Pension and Pensioners’ Welfare

Lok Nayak Bhavan, Khan Market,

New Delhi-110003
Dated: 12 February, 2020.

OFFICE MEMORANDUM.

Subject: Counting of service on joining new service in State Government / Central

Government / autonomous body for the benefit of gratuity in respect of Central
Govt. Employees covered under National Pension System (NPS).

The undersigned is directed to say that vide this Department’s O.M. No. 38/41/06-
P&PW(A) dated 05.05.2009, in the event of death / disability during service, the benefits of Invalid
/ Disability pension, Family pension and retirement / death gratuity were provisionally extended to
NPS employees at par with the employees appointed before 01.01.2004. Subsequently, the
benefit of retirement gratuity and death gratuity has been extended to all Central Government
employees covered under National Pension System (NPS) vide this Department’s OM No.
7/5/2012-P&PW(F)/B dated 26.08.2016 on the same terms and conditions, as are applicable to
employees covered by CCS (Pension) Rules, 1972.

2. References have been received in the Department seeking clarification with regard to the
benefit of retirement gratuity on mobility from one organization to another organization. This matter
has been considered in consultation with Department of Expenditure. It has been decided that the
grant of retirement gratuity and counting of service for gratuity on mobility of an NPS Government
employee may be regulated in the following manner:
(i) On mobility from a Central Government service to another Central
Government service, the service rendered in the previous Department in the Central
Government shall be counted for the purpose of grant of gratuity. There shall be no
sharing of gratuity liability between the two Departments of Central Government.
(ii) On mobility from a Central Government service to a State Government service
having National Pension System with provision for Retirement / Death Gratuity for its
employees similar to those in Central Government, the service rendered in the Central
Government shall be counted for the purpose of grant of gratuity. Same provisions shall
apply on mobility of NPS employees of the State Government to Central Government
Department. There shall be no sharing of gratuity liability between the Central and
State Governments.

(iii) On mobility from Central Government service to a Central or State Autonomous

Body service having National Pension System with provision of retirement / death
gratuity for its employees similar to that in the Central Government, the service
rendered in the Central Government would be counted for grant of gratuity. The
Government will discharge its gratuity liability by paying the amount of retirement
gratuity for the service rendered in the Government to the Central or State Autonomous
body. This procedure shall be followed mutatis mutandis in respect of NPS employees
going over from one autonomous body to another autonomous body or from an

149 Back
 autonomous body to Central Government / Department / organisation both having
National Pension System with provision of retirement / death gratuity for its employees
similar to that in the Central Government.
(iv) On mobility from Central Government service to a Central or State Autonomous
Body or to a State Government where the provision for grant of gratuity similar to that in
Central Government does not exist or to a Public Sector Undertaking, the NPS
Government employees shall be granted retirement gratuity for the service rendered in
the Central Government subject to the condition that the total gratuity admissible in
respect of the service rendered under the Government of India and that under the later
organization, shall not exceed the amount that would have been admissible, had
Government servant continued in Government service and retired on the same pay
which he/ she drew on retirement from the later Organization.
The above provisions would be applicable to Government employees covered under NPS
who resign to take up with proper permission, another appointment in the Central / State
Government or Central / State Autonomous body or a PSU.
3. This issues with the concurrence of Ministry of Finance, Department of Expenditure vide
their U.O. Note No. 1(4)/EV/2006-II Dated 30.10.2019.
4. In their application to the employees of Indian Audit and Accounts Department, these
orders issued after consultation with the Comptroller and Auditor General of India, as mandated
under Article 148(5) of the Constitution.
5. All the Ministries / Departments are requested to bring the above instruction to the notice of
all offices / field formation working under their administrative control.

(Ruchir Mittal)
Deputy Secretary to the Government of India

To

All Ministries / Departments of the Government of India.

150 Back
 No. 57/04/2019-P&PW (B)
Government of India
Department of Pension and PW

Lok Nayak Bhawan, Khan Market

New Delhi-110003
Dated: 17 February, 2020

OFFICE MEMORANDUM

Subject: Coverage under Central Civil Services (Pension) Rules, 1972, in place of National
Pension System, of those Central Government employees whose selection for appointment
was finalized before 01.01.2004 but who joined Government service on or after 01.01.2004.

The undersigned is directed to say that consequent on introduction of National Pension

System (NPS) vide Ministry of Finance (Department of Economic Affairs) Notification No.
5/7/2003-ECB & PR dated 22.12.2003, all Government servants appointed on or after 01.01.2004
to the posts in the Central Government service (except armed forces) are mandatorily covered
under the said scheme. The Central Civil Services (Pension) Rules, 1972 and other connected
rules were also amended vide Notification dated 30.12.2003 and, after the said amendment, those
rules are not applicable to the Government servants appointed to Government service after
31.12.2003.

2. Representations have been received in this Department from the Government servants
appointed on or after 1.1.2004 requesting for the benefit of the pension scheme under Central Civil
Services (Pension) Rules, 1972 on the ground that their appointment was delayed on account of
administrative reasons or lapses. Similar references have been received from
Ministries/Departments seeking advice of this Department on the question whether the
Government servants who were appointed on or after 1.1.2004 could also be extended the benefit
of pension scheme under CCS (Pension) Rules, if their appointment was delayed beyond
31.12.2003 on account of administrative reasons and the delay in appointment was beyond the
control of the said Government servants.

3. From the representations of the Government employees and the references received from
Ministries/Departments, it has been observed that in many of the cases referred to this
Department, selection process (including written examination, interview and declaration of result)
for recruitment had been completed before 01.01.2004 but the employee joined the Government
service on or after 01.01.2004. A few illustrations where the selection was finalized before
01.01.2004 but actual joining took place on or after 01.01.2004 are as under:

(i) The result for recruitment was declared before 01.01.2004 but the offer of appointment and
actual joining of the Government servant was delayed on account of police verification, medical
examination etc.;

(ii) Some of the candidates selected through a common selection process were issued offers
of appointments and were also appointed before 01.01.2004 whereas the offers of appointment to
other selected candidates were issued on or after 1.1.2004 due to administrative
reasons/constraints including pending Court/CAT cases.

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(iii) Candidates selected before 01.01.2004 through a common competitive examination were
allocated to different Departments/organization. While recruitment process was completed by
some Department(s) / organizations on or before 31.12.2003 in respect of one or more
candidates, the offers of appointment to the candidates allocated to the other Departments /
organization were issued on or after 01.01.2004.

(iv) Offers of appointment to selected candidates were made before 01.01.2004 with a direction
to join on or after 01.01.2004.

(v) Offers of appointment were issued to selected candidates before 01.01.2004, and
many/most candidates joined service before 01.01.2004. However, some candidate(s) were
allowed extension of joining time and they joined service on or after 01.01.2004. However, their
seniority was either unaffected or was depressed in the same batch or to a subsequent batch, the
result for which subsequent batch was declared before 01.01.2004.

(vi) The result for recruitment was declared before 01.01.2004 but one or more candidates
were declared disqualified on the grounds of medical fitness or verification of character and
antecedents, caste or income certificates. Subsequently, on review, they were found fit for
appointment and were issued offers of appointment on or after 01.01.2004.

In all the above illustrative cases, since the result for recruitment was declared before 01.01.2004,
denial of the benefit of pension under CCS (Pension) Rules, 1972 to the affected Government
servants is not considered justified.

4. The matter has been examined in consultation with the Department of Personnel & Training,
Department of Expenditure and Department of Legal Affairs in the light of the various
representations/references and decisions of the Courts in this regard. It has been decided that in
all cases where the results for recruitment were declared before 01.01.2004 against vacancies
occurring on or before 31.12.2003, the candidates declared successful for recruitment shall be
eligible for coverage under the CCS (Pension) Rules, 1972. Accordingly, such Government
servants who were declared successful for recruitment in the results declared on or before
31.12.2003 against vacancies occurring before 01.01.2004 and are covered under the National
Pension System on joining service on or after 01.01.2004, may be given

A One-time option to be covered under the CCS (Pension) Rules, 1972. This option may be
exercised by the concerned Government servants latest by 31.05.2020.

5. Those Government servants who are eligible to exercise option in accordance with para-4
above, but who do not exercise this option by the stipulated date, shall continue to be covered by
the National Pension System.

6. The option once exercised shall be final.

7. It is clarified, that the above option would be available to only those Government servants
who were declared successful for recruitment before 01.01.2004, against vacancies pertaining to
the period prior to that date. This option shall, however, not be available to the Government
servants appointed on or after 01.01.2004 if they fall in any of the following categories:

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(i) Government servants whose names were included in a panel of selected candidates before
01.01.2004 for recruitment against vacancies occurring on or after 01.01.2004 and were,
accordingly, recruited on or after 01.01.2004.

(ii) A Government servant whose name was included in a panel of selected candidates
prepared before 01.01.2004 for vacancies arising before and after 01.01.2004 but was actually
appointed after 31.12.2003 against a vacancy arising on or after 01.01.2004.

(iii) Government servants who were selected against vacancies pertaining to the period prior to
01.01.2004 on the basis of an advertisement/notification issued before 01.01.2004 or a written
examination/interview held before 01.01.2004 but results for recruitment were declared on or after
01.01.2004.

(iv) Government servants who joined on or after 01.01.2004 after they were granted extension
of joining time on their own request and, in accordance with the instructions issued by the
Department of Personnel & Training, their seniority was depressed on account of such extension
of joining time to a batch for which the result for recruitment was declared on or after 01.01.2004.

8. The matter regarding coverage under the CCS (Pension) Rules, 1972 based on the option
exercised by the Government servant shall be placed before the appointing authority for
consideration in accordance with these instructions. In case the Government servant fulfils the
conditions for coverage under the CCS (Pension) Rules, 1972, in accordance with these
instructions, necessary order in this regard shall be issued latest by 30th September, 2020. The
NPS account of such Government servants shall, consequently, be closed w.e.f. 01st November,
2020.

9. The Government servants who exercise option to switch over to the pension scheme under
CCS (Pension) Rules, 1972, shall be required to subscribe to the General Provident Fund (GPF).
Regarding accountal of the corpus in the NPS account of the Government servant, Controller
General of Accounts (CGA) has furnished the following clarification vide letter No.
1(7)(2)/2010/cla./TA III/390 dated 14.11.2019:
i. Adjustment of Employees’ contribution in Accounts: Amount may be credited to
individual’s GPF account and the account may be recasted permitting up-to-date interest
(Authority-FR-16 &Rule 11 of GPF Rules).
ii. Adjustment of Government contribution under NPS in Accounts: To be accounted for
as (-) Dr. to object head 70 - Deduct Recoveries under Major Head 2071 - Pension and
other Retirement benefit - Minor Head 911- Deduct Recoveries of overpayment (GAR 35
and para 3.10 of List of Major and Minor Heads of Accounts).
iii. Adjustment of increased value of subscription on account of appreciation of
investments – May be accounted for by crediting the amount to Govt. account under M.H.
0071- Contribution towards Pension and Other Retirements Benefits 800- Other Receipts
( Note under the above Head in LMMHA).
10. All Ministries/Departments are requested to give wide publicity to these orders. The
cases of those Government servants who fulfil the conditions mentioned in this O.M. and who
exercise option to switch over to the pension scheme under CCS (Pension) Rules may be settled
by the administrative Ministries/Departments in accordance with these orders.

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11. These orders issue with the concurrence of Ministry of Finance, Department of Expenditure,
vide their I.D. Note No. 1(7) EV/2019 dated 08.01.2020.

12. In their application to the employees of Indian Audit and Accounts Department, these orders
are issued after consultation with Comptroller and Auditor General of India, as mandated under
Article 148(5) of the Constitution.

13. Hindi version will follow.

(Ruchir Mittal)
Deputy Secretary to the Government of India

To,

1. All Central Govt. Ministries / Departments.

2. Department of Expenditure, Ministry of Finance, North Block, New Delhi.
3. C&AG, Bahadur Shah Zafar Marg, New Delhi.
4. Ministry of Railways, Railway Board, for information, New Delhi.
5. Department of Personnel and Training, North Block, New Delhi.
6. Department of Financial Services, Jeevan Deep Building, Parliament Street,
New Delhi.

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 No.12/5/2020-P&PW(C)-6363
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare

8th Floor, Janpath Bhawan,Janpath,

New Delhi-01
Dated: 20 February, 2020

CIRCULAR

Subject: Consolidated instructions on Life Certificate and commencement of family

pension if pensioner / family pensioner is living abroad

This Department has been receiving grievances of pensioners residing abroad mentioning the
difficulties and inconvenience faced by them with respect to submission of life certificate as well as
commencement/continuation of family pension. Instructions have already been issued time to time
on the above subject in order to ensure Ease of Living for them. The circulars have been
consolidated and are as under:-

i. In the case of a pensioner residing abroad, the following methods are available for
submission of life certificate -

a. If he/she is drawing pension through any bank included in the Second Schedule to the
Reserve Bank of India Act, 1934, the life certificate may be signed by an officer of the Bank.
b. An authorized official of the Embassy of India/High Commission of India/Indian Consulates
may issue the life certificate.
c. In case the pensioner is unable to visit the Embassy/Consulate, he/she may submit
requisite documents by post to the Embassy/Consulate, including Doctor's Certificate
showing the pensioner's inability to present himself/herself in person. Embassy of India may
also assist pensioners/family pensioners in submission of Life Certificate.
d. A Pensioner, not resident in India, in respect of whom a duly authorized agent produces a
Life Certificate, signed by a magistrate or a notary or an officer of an Indian authorized
Bank or Diplomatic Representative of India, is exempted from special appearance.
e. There have been complaints that life certificate submitted over the counter of pension
paying branches are misplaced causing delay in payment of monthly pension. In order to
alleviate the hardship faced by pensioner agency banks are instructed to mandatorily issue
duly signed acknowledgements. They were also advised to consider entering the receipt of
life certificate in CBS and issue a system generated acknowledgements which would serve
the twin purpose of acknowledgement as well as real time updation of records.

(RBI/2018-19/1DGBA.GBD.No.-1/31.02.007/2018-19, dated 2nd July, 2018)

ii. For commencement of family pension, after demise of a pensioner residing abroad
following procedure will be followed –

a. In case the pensioner and spouse are holding a joint account, the requirement of Form 14
has been dispensed off. The spouse may inform the pension disbursing Bank of the death
of the pensioner and request the bank for commencement of family pension, through a
simple letter. He/she may enclose a copy of death certificate of the pensioner, PPO, proof
of his/her own age/date of birth and an undertaking for recovery of excess payment. In

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 other cases, i.e., where the pension is not being credited to the joint bank account of the
pensioner and his/her spouse, Form 14 will be continued to be obtained by the banks.
However, the condition of attestation of Form 14 has been done away with and witnessing
by two persons has been considered as sufficient.

(G.I. D/o of Pension & Pensioners’ Welfare’s .OM No.1/27/2011-P&PW(E)

dated, 20th September, 2013)

b. In case of family pensioners who are unable to come to India for personal identification,
they may be allowed pension/family pension on the basis of a certificate to be issued by an
authorized official of the Embassy of India/High Commission of India/Indian Consulate in
the country where the pensioner is residing. This certificate is to be issued on verification of
Pensioner/Family Pensioner on the basis of the photograph available in the PPO or on the
basis of the photograph available on the Passport.

(CGA’s Authority No.-F.No.1(7)/CPAO Scheme Book/2005/TA/585 dated 22.09.2006)

2. CPPCs/Branches of all the Pension disbursing banks may be advised to strictly comply with
the above instructions.

This issue with the approval of competent authority.

(Rajesh Kumar)
Under Secretary to the Government of India
Tel. No.23310108

To,

1. Chairman, Railway Board

2. Secretary, CPV and Overseas Indian Affairs
3. Secretary Department of Financial Sercvices
4. Secretary, Ex-Servicemen Welfare
5. Secretary Posts
6. Secretary Telecom
7. Controller General of Accounts, Department of Expenditure
8. MDs of all the Pension Disbursing Banks
9. Head of CPPCs of All Pension Disbursing Banks.
10. Coordination Division, Ministry of External Affairs, Room No 29 A, South Block, New Delhi-
01.
11. Central Pension Accounts Officer, CPAO, Trikoot-II, Bhikaji Cama Place, New Delhi.
12. NIC:- for posting on the website of the Department.

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 No. 1/6/2020-P&PW (E)
Government of India
Ministry of Personnel, P.G. & Pensions
Department of Pension & Pensioners’ Welfare

Lok Nayak Bhawan,Khan Market,

New Delhi-110003
Dated: 3 March, 2020

OFFICE MEMORANDUM

Subject: Co-authorization of permanently disabled child/children in PPO for

Family Pension – reg

It has come to the notice of this Department that pensioners are facing difficulties in
co-authorizing their disabled child or sibling in the Pension Payment Orders (PPOs), due to the
insistence of sanctioning authorities for supply of information such as passport size photographs
of the guardian, copy of passbook/particulars indicating Bank account details of the guardian,
etc. The undersigned is directed to say that several guidelines have already been issued in the
matter to avoid any hardship to pensioners while processing their case of co-authorization in
favour of permanently disabled child/children. On the basis of OMs already issued, the process of
co-authorization is being reiterated as under-

1. Permanently disabled child/children or sibling can be co-authorized in the PPO issued to

the retiring Government servant if there is no other eligible prior claimant for family pension
other than the spouse. (OM No. 1/27/2011-P&PW (E) dated 1st July, 2013).
2. The Pension Disbursing Authority shall authorize payment of family pension to a
permanently disabled child or dependent parent or disabled sibling whose name has been
included in the Pension Payment Order after receipt of claim on death or ineligibility of
family pensioner. Bank will also facilitate in opening account if there is no account in the
name of co-authorized individual. (As per proviso under Sub-rule 2(vi) of Rule 81 of CCS
(Pension) Rule, 1972).
3. In the case of a mentally disabled child/children or sibling, the family pension shall be
payable to a person nominated by the Government servant or the pensioner. (As per
proviso under Sub-rule 6 of Rule 54 of CCS (Pension) Rule, 1972).
4. In case no such nomination has been furnished to the Head of Office by such Government
servant or pensioner during his lifetime, it will be payable to the person nominated by the
spouse of such Government servant or family pensioners later on. (As per proviso under
Sub-rule 6 of Rule 54 of CCS (Pension) Rule, 1972).
5. Certificate of guardianship issued by the local level committees under Section 14 of the
National Trust Act, 1999 (the Act is issued on the authority of the law passed by the
Parliament), may be accepted for nomination / appointment of guardian for grant of family
pension in respect of persons suffering from the above disabilities included in the Act. (As
per proviso under Sub-rule 6 of Rule 54 of CCS (Pension) Rule, 1972).

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 6. The authorization shall be made in the PPO or by issuing a revised authority if a
child/children or sibling is authorized for Family pension after issue of the PPO. (OM No.
1/27/2011-P&PW(E) dated 1st July, 2013).In view of above, it is clarified that Pensioners
may not be persuaded to furnish information such as name of guardian, photo of guardian
and their Bank account details. Only details of disabled child or sibling along with disability
certificate will suffice, for processing the case of such a dependent for co-authorization in
the PPO for family pension.

(Sanjoy Shankar)
Under Secretary to the Government of India
Ph. 24644632

All Ministries/Departments of the Government of India

1. O/o CGA, 7th Floor, Lok Nayak Bhawan, New Delhi. (Apart from the usual action, it is also
requested to make necessary amendments in the format of the PPO to accommodate
authorization of the permanently disabled children/siblings and dependent parents.)
2. CPAO, Trikoot-II, Bhikaji Kama Place, New Delhi-66 (It is requested to make necessary
amendments in the Scheme Booklet to facilitate implementation of the above decisions).

3. NIC for uploading the OM

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 No.12/4/2020-P&PW(C)-6300
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare
*****
8th Floor, Janpath Bhavan,Janpath,
New Delhi-110003
Dated: 15 May, 2020
OFFICE MEMORANDUM

Subject : Consolidated instructions for Pension Disbursing Authorities to

ensure smooth payment of pension/family pension to pensioners/family
pensioners.

On an analysis of the grievances received in this Department, it has been observed that
updated and consolidated instructions will help improve the processing of Pensioner’s requests by
banks and others. Hence, an attempt has been made herein, to consolidate relevant instructions
issued by Department of Pension & Pensioners’ Welfare from time to time with regard to
disbursement of pension and family pension. These Banks are adopting different procedures,
while releasing pension/ family pension or seeking declarations/certificates from pensioners /
family pensioners at different periodicity. Therefore, the following consolidated guidelines are
being issued with an objective to create awareness among CPPCs/ bank branches on updated
rules and instructions in this regard-:
(i) Requirement of pensioners to be present in person before paying bank branch for
credit of first pension : The pensioner is no longer required to visit bank in person for credit of
his first pension. The undertaking with regard to recovery of overpayment from pensioner is
forwarded to concerned bank CPPC through CPAO along with the PPO. Bank will not insist for the
presence of pensioner in order to activate their pension account. (DoPPW’s OM No. 1/27/2011-
P&PW dated 7thmay 2014)
(ii) Requirement of family pensioner to submit form 14 : On death of a pensioner, the
spouse is not required to submit form 14, if he/she was having a joint account with the pensioner
and authorization for payment of family pension exists in the Pension Payment Order (PPO) in
his/her favour. In such cases, spouse will be required to provide only a copy of the death
certificate to the pension paying branch in order to commence his/her family pension. Pension
disbursing bank will identify the family pensioners based on the information furnished in PPO and
its own Know Your Customer procedure without insisting him/her to physically present
himself/herself in the paying bank.(DoPPW’s OM No. 1/27/2011-P&PW dated 20th September
2013 )
(iii) Insisting spouse to open separate bank account for getting family pension -:Banks
will not insist for opening a new account when the spouse was having a joint account with the
pensioner and authorization for payment of family pension exists in the Pension Payment Order
(PPO) in his/her favour. (RBI Circular- Disbursement of Government Pension by Agency
Banks dated September 9, 2019)
(iv) Submission of declaration for taking up commercial employment after
retirement: This declaration is required from pensioners who have retired from Group ‘A’
services/posts. This declaration is required only in the first year after retirement of a Group A officer.
Therefore, this declaration may not be sought from the pensioner after expiry of one year from the

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date of retirement. If a pensioner declares that he has taken up commercial employment within one
year from the date of retirement without obtaining permission of Government, Pension disbursing bank
will seek the orders of the Government through the CPAO before making further pension payments.
However, if a pensioner declares that he has taken up commercial employment within one year after
retirement with the permission of the Government, Pension disbursing bank will continue to pay his
/her pension. (Rule 10 of CCS Pension Rule).

(v) Submission of re-employment certificate: A pensioner is required to furnish a re-

employment declaration once in a year i.e. in the month of November every year. If
a pensioner declares that he is re-employed under the Central or State Government, or a
Corporation/Company/Body/Bank under them, the element of dearness relief during the period of
re-employment may not be credited by the bank during the period of such re-employment.
H o w e v e r , i f a pensioner declares about his re-employment and also states that in
accordance with the relevant rules/instructions, entire amount of his/her pension has been
ignored while fixing his/her pay in the re- employment post, he will continue to be eligible to draw
dearness relief along with pension. If a pensioner fails to submit requisite declaration in the month
of November, the element of dearness relief on his monthly pension may
not be credited by the bank and he may be paid pension excluding the dearness relief.
Employment/re-employment of spouse does not affect his/her family pension. Therefore,
Dearness Relief will continue to be paid with family pension to the spouse who is employed/re-
employed in the aforesaid organizations. ( Rule 55 of CCS (Pension )Rules, 1972 ).
(vi) Submission of non-earning certificate : A family pensioner, other than spouse, has to
submit a declaration of non-earning his/her livelihood every year in the month of November. As
per rule 54(6) of CCS (Pension) Rules, 1972, family pension is allowed to a son, daughter,
disabled sibling or parents of a deceased pensioner or a deceased Government servant until
he/she starts earning his/her livelihood. This declaration is, however, not required from the
spouse for continuing his/her family pension. (Rule 54(6) of CCS Pension Rules).
(vii) Submission of declaration of marriage : A family pensioner, other than spouse, has to
submit a declaration of non-marriage/non re-marriage every six months. The family pension is
discontinued if she/he gets married/re-married. If the spouse is a recipient of family pension, no
certificate of remarriage is required to be furnished by him/her. At the time of commencement of
family pension, an undertaking will be obtained from him/her to the effect that in the event of
his/her re-marriage, he/she will report the fact to the pension disbursing bank promptly. However
childless widow of deceased Government servant and disabled child of a pensioner/Government
servant will continue to get family pension even if they get married/re-married. (Rule 54(6) of CCS
(PENSION) RULES, 1972)
(viii) Submission of life certificate: Life certificate has to be submitted by every
pensioner/family pensioners in the month of November every year. Pension Disbursing bank will
also accept Aadhar enabled Digital Life Certificate “Jeevan Pramaan”. Old aged pensioners who
are 80 years and above can submit life certificate in the month of October also.( D/o Pension &
Pensioners Welfare’s OM No. 1/20/2018 P&PW (E) Dated 18.07.2019)
(ix) Submission of disability certificate : If family pension has been sanctioned to a disabled
child and the disability is temporary, the guardian of such disabled child shall produce disability
certificate once in every 5 years to the effect that he/she continues to suffer from such disorder
/disability in order to continue family pension. No fresh certificate of disability would be required in
the case of a child with permanent disability. A disabled child will also be required to self-certify
every year that he/she has not started earning his/her livelihood (Rule 54(6) of CCS Pension
Rule,1972)

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(x) Restoration of commuted portion of pension: Restoration of commuted
portion of pension after 15 years is to be made automatically by bank. Pensioner will not be asked
to make application for restoration of commuted portion of pension. Incases where the date
of commutation is not readily available in the PPO, the bank will obtain the information from
the Accounts Officer who issued the PPO through Central Pension Accounting Office before
restoring the commuted portion of pension. The amount of commuted pension will not be deducted
from family pension. {Rule 10 of CCS (Commutation of Pension) Rules,1981 }
(xi) Paying additional amount of pension on attaining the age of 80 years and above: The
additional quantum of pension/family pension will be paid on attaining the age 80 years and
above. Additional pension is paid from the first day of the month in which a pensioner/family
pensioner completes the age of 80 years and above. For example, if a pensioner /family pensioner
completes the age of 80 years in the month of August, 2020, he will be paid additional
pension/family pension from 1st day of the month of August, 2020. Bank will not insist for any
request /application from pensioners /family pensioners in order to pay additional pension to them.
The quantum of additional pension/family pension to the old pensioners/family pensioners is as
follows:-

Age of Pensioner Additional quantum of pension

From 80 years to less than 85 years 20% of basic pension
From 85 years to less than 90 years 30% of basic pension
From 90 years to less than 95 years 40% of basic pension
From 95 years to less than 100 years 50% of basic pension
100 years or more 100% of basic pension

(D/o Pension & Pensioners Welfare’s OM No. dated 38/37/08 P&PW(A) dated
2ndSeptember & 3rdOctober 2008)

(xii) Obtaining of Life Certificate from the doorstep of the pensioners:- The Department has
issued directions to all the Pension Disbursing Banks to send SMSs/Emails to all their pensioners
on 24th October, 1st November, 15th November and 25th November every year reminding them to
submit their Annual Life Certificates by 30th November. The Department directed all Pension
Disbursing Banks to make an exception list as on 1st December every year of those pensioners
who fail to submit their Life Certificate and issue another SMS/Email to them for submitting the Life
Certificate. The bank in addition will also ask such pensioners through SMS/Email as to whether
they are interested in submission of Life Certificate through a chargeable door-step service, on a
nominal charge not exceeding Rs. 60/-. (D/o Pension &Pensioners Welfare’s Circular No.
12/4/2020-P&PW(C)-6300, dated 17.01.2020).

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2. All banks are advised to comply with the above instructions and to give wide publicity by
putting up these instructions on their websites and also on the notice boards of the branches of the
bank etc.

3. This issues with the approval of the competent authority.

(Rajesh Kumar)
Under Secretary to the Government of India
Tel No. 23310108

To
CMDs of all Pension Disbursing Banks

Copy to:
1. Central Pension Accounts Officer, Chief Controller of Pension, Ministry of Finance,
Department of Expenditure, Trikoot-II, Bhikaji Cama Place, New Delhi
2. Secretary, Department of Financial Services, Jeevan Deep Building, Sansad Marg, New
Delhi
3. Secretary, Ministry of Defence, South Block, New Delhi
4. Chaiman, Railway Board, Ministry of Railways, Rail Bhawan, New Delhi
5. Secretary, Department of Posts, Dak Bhawan, Patel Chowk, New Delhi
6. NIC: for posting on website of this Department

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 No. 28/30/2004-P&PW (B)
Government of India
Ministry of Personnel, Public Grievances and Pension
Department of Pension and Pensioners’ Welfare

Lok Nayak Bhavan, Khan Market

New Delhi-110003
Dated: 11 June, 2020

OFFICE MEMORANDUM

Subject: Mobility of personnel amongst Central /State & Autonomous Bodies while
working under Pensionable establishments – regarding.

The undersigned is directed to say that the New Pension Scheme (now called as National
Pension System) was introduced vide Department of Economic Affairs’ notification No.5/7/2003-
ECB.PR dated 22.12.2003. It was provided that NPS would be mandatory for all new recruits to
the Central Government service from 1st of January 2004 except the Armed Forces.

2. In this Department’s O.M. of even number dated 26.7.2005, it was provided that all
employees who joined Central Government service or in the service of an autonomous body set
up by the Central Government before 1.1.2004 and who were governed by old pension scheme
under the Central Civil Service (Pension) Rules, 1972 will continue to be governed by the same
pension scheme / rules and will count their past service if they take up new appointment in
another Ministry / Department of the Central Government or a Central Autonomous Body covered
by the CCS (Pension) Rules on or after 1.1.2004, subject to their satisfying the conditions laid
down in Para 4 of DP&AR’s O.M. No.28/10/1984-PU dated 29.8.1984.

3. Subsequently, vide this Department’s O.M. of even number dated 28.10.2009, the benefit of
counting of past service under the CCS(Pension) Rules, 1972 was extended to those employees
who were initially appointed before 1.1.2004 in (i) Central Government Departments covered
under Railway Pension Rules or other similar non-contributing pensionable establishments of
Central Government covered by old Pension Scheme /rules other than CCS(Pension) Rules, 1972
OR, (ii) State Government covered under old pension scheme similar to CCS(Pension) Rules, OR
(iii) Central / State Autonomous Body covered by the old pension scheme and who resigned to join
a Central Government Department / Office or a Central Autonomous Body having pensionable
establishment.
4. Representations have been received in this Department from employees who joined under
NPS in Central Government / Central Autonomous Bodies after 1.1.2004 but before 28.10.2009,
after technical resignation from a pensionable establishment of a Central Government
Department, State Government or Central / State Autonomous Body and who were denied the
benefit of counting of past service in the old pension scheme in the Central Government.
5. The matter has been examined in consultation with Department of Personnel and Training
and Department of Expenditure. It has been decided that those employees who joined Central
Government / Central Autonomous body under NPS during 1.1.2004 to 28.10.2009 after
submitting technical resignation from Central Govt. / Central Autonomous Body or a State
Government / State Autonomous Body and who fulfill the conditions for counting of past service in
terms of this Department’s O.M. dated 28.10.2009, may be given an option for induction in old
pension scheme and to get their past service rendered in the Central / State Government or
Central / State Autonomous Body counted for the purpose of pensionary benefits on their final
retirement from the Central Government / Central Autonomous Body, subject to fulfillment of all

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other conditions of counting of such past service in terms of DPAR’s O.M. dated 29.8.1984 read
with this Department’s O.M. dated 7.2.1986 as amended from time to time.
6. Such option may be exercised within 3 months of issue of this O.M. Such employees who
are appointed under NPS during 1.1.2004 to 28.10.2009 and are eligible to exercise option in
terms of para 5 above but do not exercise the option within the stipulated period will continue to be
covered by the provisions of National Pension System. Those employees who joined during
1.1.2004 to 28.10.2009 and have already been given the benefit of CCS (Pension) Rules in terms
of O.M. dated 28.10.2009, will continue to be governed by those rules.
7. Those employees who exercise option for counting of past service in accordance with the
above provisions may be allowed to avail the benefit under CCS (Pension) Rules, 1972. The
capitalized value of pension and gratuity for the past service in the Central / State Autonomous
Body will be deposited by that Body to the Central Government / Central Autonomous Body in
accordance with the instructions contained in the O.M. No. 28/10/84-Pension Unit dated
29.8.1984. In case the employee concerned has received the pensionary benefits from the Central
Government Departments, State Government, Central / State Autonomous Body, etc., he would
be required to deposit the amount of such pensionary benefits (along with interest to be calculated
in accordance with this Department’s O.M. No. 38/34/2001-P&PW(F) dated 29-07-2002) with the
Central Government Department /Central Autonomous Body in which he has joined, to enable
counting of past service. The employee’s share in the accumulated wealth of National Pension
System with interest / returns accrued thereon under the NPS, would be deposited in the GPF
account of the employee. The employer’s share along with interest / returns accrued thereon
under the NPS would be deposited in the account of Central Government / Central Autonomous
Body in accordance with modalities provided in para 9 of this OM.
8. In some cases, due to non-availability of benefit of counting of past services under the old
pension system during 01.01.2004 to 28.10.2009, the employees of State Government/ State
Autonomous bodies etc. may have been compelled to take voluntary retirement before joining
pensionable Central Government Department/ Central Autonomous bodies after 01.01.2004 but
before 28.10.2009. It has been decided that ‘voluntary retirement’ of such employees may be
treated as ‘technical resignation’ and the benefit of provisions of para 5 to para 7 above may also
be extended to them subject to fulfillment of all other conditions for counting of service.
8.1 The forwarding the application through proper channel for the post they had joined after
getting voluntary retirement is a pre- requisite for considering it as technical resignation.
8.2 The provisions of this O.M. is mandatory in all such cases.
9. The modalities of accounting of the NPS accumulation would be as under:
S. Issues Adjustment process
No.
1 Adjustment of Amount may be credited to the individual’s GPF account
employee’s and the account may be recasted permitting up to date
contribution to interest. (FR 16 & Rule 11 of GPF Rules)
NPS
2 Adjustment of To be accounted for as (-) Debit to Object Head “70-
Government Deduct Recoveries” under Major Head “ 2071- Pensio
contribution to and other Retirement Benefits” and Minor Head “ 911 –
NPS Deduct Recoveries of overpayments” (GAR 35 and Para
3.10 of LMMH and Para 5.1.3 (iii) of Civil Accounts
Manual refers)
3 Adjustment of May be accounted for by crediting the amount to
increased value of Government Account under Major Head “0071-
subscription in Contribution & Recoveries towards Pension & other
NPS on account of Retirement Benefits” and Minor Head “800-Other-
appreciation of Receipts”
investment (Note under above Major Head in LMMH)

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10. All Ministries / Departments are requested to bring the contents of these orders to the
notice of Controller of Accounts/Pay and Accounts Officers and Attached, Subordinate Offices and
Autonomous bodies under them.

11. This issues in consultation with of Ministry of Finance, Deptt. Of Expenditure vide ID Note
No. 25(6)/EV/2017 Dated 06.01.2020 and in consultation with Controller General of Accounts
vide their I.D. Note No. 1(7)(2)/2010/c/a/TA/860 dated 18.08.2017.

12. In their application to the employees of Indian Audit and Accounts Department, these
orders are issued after consultation with Comptroller and Auditor General of India, as mandated
under Article 148(5) of the Constitution.
13. Hindi version will follow.

(Ruchir Mittal)
Deputy Secretary to the Government of India
To,
1. All Central Government Ministries / Departments.
2. Chief Secretaries of all State Governments/UTs.
3. Accountant Generals in the States and UTs.
4. Department of Expenditure, Ministry of Finance, North Block, New Delhi.
5. C&AG, Bahadur Shah Zafar Marg, New Delhi.
6. Ministry of Railways, Railway Board, New Delhi.
7. Department of Financial Services, Jeevan Deep Building, Parliament Street, New Delhi.
8. CGA, Department of Expenditure, INA, New Delhi.
9. AD(OL) for Hindi version.
10. NIC for posting on the website of this Department.

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 F.No .38/37/2016-P&PW (A)
Government of India
Ministry of Personnel, Public Grievances & Pensions
Department of Pension & Pensioners’ Welfare

8th Floor, Lok Nayak Bhawan Khan Market

New Delhi-110003
Dated: 18 June, 2020

OFFICE MEMORANDUM

Subject: Revision of pension of pre-2016 pensioners / family pensioners in implementation

of Government's decision on the recommendations of the 7th Central Pay Commission-
Concordance Table Corrigendum regarding.

The undersigned is directed to refer to this Department’s OM of even number dated

06.07.2017 on the subject mentioned above and to say that there is some error in the entries
relating to the pre-revised pay of Rs.21820/- (6th CPC Grade Pay : Rs.5400/-, 7th CPC Level-9) in
Table 29 enclosed therewith.

2. It is requested that the existing Table 29 may be substituted by the enclosed Table 29.
The revised entries have been shown in bold letters.

(R. C Sethi)
Under Secretary to the Government of India
To,
1. All Ministries/Department of Government of India (as per standard mailing list).
2. Controller General of Accounts, New Delhi
3. Comptroller & Auditor General of India, New Delhi
4. Central Pension Accounting Office, New Delhi.

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 Table No. 29

Scale of pay/Pay in the pay Band & Grade Pay at the time of retirement

From 01.01.1986 to 31.12.1995 2200-75-2800-100-4000

From 01.01.1996 to 31.12.2005 8000-275-13500
From 01.01.2006 to 31.12.2015 9300-34800 GP 5400
Corresponding level w.e.f.
1.1.2016 Level-9 (53100-167800)

Revised
Pension
Basic Pay Basic Pay Basic Pay Revised
Pay range for /Enhanced
From From From Notional Family
pensioners retired Family
01.01.1986 01.01.1996 01.01.2006 Pay as on pension
during 1.1.2006 to pension (if
to to to 01.01.2016 w.e.f.
31.12.2015 applicable)
31.12.1995 31.12.2005 31.12.2015 1.1.2016
w.e.f.
1.1.2016
Minimum Maximum
2200 8000 20280 20660 53100 26550 15930
2275 8000 20280 20660 53100 26550 15930
2350 8000 20280 – 20660 53100 26550 15930
2425 8275 20800 20670 21280 54700 27350 16410
2500 8275 20800 20670 21280 54700 27350 16410
2575 8275 20800 20670 21280 54700 27350 16410
2650 8550 21310 21290 21900 56300 28150 16890
2725 8550 21310 21290 21900 56300 28150 16890
2800 8550 21310 21290 21900 56300 28150 16890
2900 8825 21820 21910 22560 56300 28150 16890
3000 9100 22330 21910 22560 58000 29000 17400
3100 9375 22840 22570 23220 59700 29850 17910
3200 9650 23350 23230 23920 61500 30750 18450
9925 23870 23930 24630 63300 31650 18990
3300 10200 24380 23930 24630 63300 31650 18990
3400 10475 24890 24640 25360 65200 32600 19560
3500 10750 25400 25370 26140 67200 33600 20160
3600 10750 25400 25370 26140 67200 33600 20160
3700 11025 25910 25370 26140 67200 33600 20160
3800 11025 25910 25370 26140 67200 33600 20160
3900 11300 26420 26150 26920 69200 34600 20760
4000 11300 26420 26150 26920 69200 34600 20760
4100 11575 26930 26930 27740 71300 35650 21390
4200 11850 27450 26930 27740 71300 35650 21390
4300 11850 27450 26930 27740 71300 35650 21390

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12125 27960 27750 28560 73400 36700 22020
12400 28470 27750 28560 73400 36700 22020
12675 28980 28570 29410 75600 37800 22680
12950 29490 29420 30310 77900 38950 23370
13225 30000 29420 30310 77900 38950 23370
13500 30510 30320 31200 80200 40100 24060
13775 31030 30320 31200 80200 40100 24060
14050 31540 31210 32140 82600 41300 24780
14325 32050 31210 32140 82600 41300 24780
32150 33110 85100 42550 25530
33120 34120 87700 43850 26310
34130 35130 90300 45150 27090
35140 36180 93000 46500 27900
36190 37270 95800 47900 28740
37280 38400 98700 49350 29610
38410 39570 101700 50850 30510
39580 40770 104800 52400 31440
40780 41980 107900 53950 32370
41990 43220 111100 55550 33330
43230 44510 114400 57200 34320
44520 45830 117800 58900 35340
45840 47190 121300 60650 36390
47200 48590 124900 62450 37470
48600 50030 128600 64300 38580
50040 51550 132500 66250 39750
51560 53110 136500 68250 40950
53120 54700 140600 70300 42180
54710 56340 144800 72400 43440
56350 58010 149100 74550 44730
58020 59760 153600 76800 46080
59770 61550 158200 79100 47460
61560 63380 162900 81450 48870
63390 65290 167800 83900 50340

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 No. 38/37/16-P&PW (A)
Government of India
Ministry of Personnel Public Grievances and Pensions
Department of Pension and Pensioners Welfare
**********
Lok Nayak Bhawan, Khan Market,
New Delhi – 110003,
Dated: 22 June,2020

OFFICE MEMORANDUM

Subject: Regulation of pension and other retirement benefits of Government servants

who were on Extraordinary leave/unauthorized absence/suspension as on 1.1.2016 and
retired/died thereafter without joining duty.
The undersigned is directed to say that in accordance with Rule 33 of the CCS (Pension)
Rules, for calculation of pension, the expression ‘emoluments’ means basic pay as defined in Rule
9(21) (a) (i) of the Fundamental Rules which a Government servant was receiving immediately
before his retirement or on the date of his death. In accordance with Note 3 under this rule, if a
Government servant immediately before his retirement or death while in service had been absent
from duty on extraordinary leave or had been under suspension, the period whereof does not
count as service, the emoluments which he drew immediately before proceeding on such leave or
being placed under suspension shall be the emoluments for the purpose of this rule.
2. Doubts have been raised in regard to the manner in which the pension and other
retirement benefits of Government servants, who were on extraordinary leave/unauthorized
absence/suspension as on 1.1.2016 and retired/died thereafter without joining duty, would be
regulated. The matter has been examined in consultation with the Ministry of Finance (Department
of Expenditure) and the following clarifications are issued:

Category of Government servant Manner in which pension and other pensionery

benefits are to be regulated
Government servant, who was In accordance with Rule 33 of CCS (Pension)
on extraordinary Rules, 1972, the basic pay which he drew
leave/unauthorized absence the immediately before proceedings on such leave
period whereof does not count as shall be the emoluments for the purpose of
qualifying service – as on pension. The pension/family pension thus
1.1.2016 and retired/died calculated will be revised in the accordance with
thereafter without joining duty the instructions contained in the Department’s
O.M. No. 38/37/16-P&PW (A) dated 12.05.2017
read with O.M. No. 38/37/16-P&PW(A)(ii) dated
04.08.2016 and will be paid to the
pensioner/family pensioner from the date it
becomes due.
For the purpose of gratuity, the emoluments shall
also include Dearness Allowance (as per 6th CPC)
admissible on the date of retirement/death of the
Government servant.
The Pension/family pension/commutation of
pension and gratuity will be regulated in
accordance with the rules/instructions applicable

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 before 1.1.2016
Government servant, who was The pay of such a Government servant will be
on extraordinary leave – the notionally revised w.e.f. 1.1.2016 and this
period whereof counts as notionally revised basic pay will be reckoned as
qualifying service – as on emoluments for the purpose of pension.
1.1.2016 and retired/died
thereafter without joining duty. For the purpose of gratuity, the emoluments shall
also include Dearness Allowance (as per 7th CPC)
admissible on the date of retirement/death of the
Government Servant.

His pension/family pension, commutation of

pension and gratuity will be regulated in
accordance with the instructions contained in this
Department’s O.M. No. 38/37/16-P&PW (A) dated
12.05.2017 read with O.M. No 38/37/16-
P&PW(A)(i) dated 04.08.2016 and will be paid to
the pensioner/family pensioner from the date it
becomes due.
Government servant, who was Such a Government servant, on retirement, is
under suspension as on 1.1.2016 entitled to only provisional pension. The
and retired thereafter without emoluments which he drew immediately before
joining duty. suspension shall be the emoluments for the
purpose of provisional pension. This provisional
pension will be revised in accordance with
Department’s O.M. No. 38/49/16-P&PW (A) dated
12.02.2018. The provisional pension will be
reviewed / regularized on conclusion of the
departmental/judicial proceedings and issue of
final orders thereon.

3. These orders issue with the concurrence of Ministry of Finance (Department of

Expenditure) vide their U.O. No. 1(23)/EV/2019 dated 05.02.2020.

4. In their application to the employees of Indian Audit and Accounts Department, the orders
are issued under Article 148(5), of the Constitution with the concurrence of the Comptroller and
Auditor General of India.

(R. C. Sethi)
Under Secretary to the Government of India

1. All Ministries/Departments.
2. CGA/CAG/CPAO.
3. As per standard mailing list.
4. NIC for uploading on Department's website.

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 No. 57/04/2019-P&PW(B)
Government of India
Ministry of Personnel, Public Grievances and Pensions
Department of Pension and Pensioners’ Welfare

Lok Nayak Bhawan, Khan Market

New Delhi-110003
Dated: 25 June, 2020
OFFICE MEMORANDUM

Subject: Coverage under Central Civil Services (Pension) Rules, 1972, in place of
National Pension System in terms of DoPPW OM dated 17.02.2020 – clarifications
regarding.

The undersigned is directed to say that instructions have been issued vide this
Department’s O.M. of even number dated 17th February, 2020, that in all cases where the results
for recruitment were declared before 01.01.2004, against vacancies occurring on or before
31.12.2003, the candidates declared successful for recruitment shall be eligible for coverage
under the Central Civil Services (Pension) Rules, 1972. Accordingly, such Government servants
who were declared successful for recruitment in the results declared on or before 31.12.2003,
against vacancies occurring before 01.01.2004 and are covered under the National Pension
System on joining service on or after 01.01.2004, may be given a one-time option to be covered
under the CCS(Pension) Rules, 1972.

2. References have been received in this Department seeking clarifications in regard to the
implementation of the aforesaid instructions in certain circumstances. The issues raised by the
various Departments have been examined in this Department and the position is clarified as
under:

S. No. Issue raised Clarification

1 A Government servant Such a Government servant is also
joined in a Department eligible to exercise option under O.M.
/Office of the Central dated 17.02.2020. A decision on the
Government on or after option shall be taken by the appointing
01.01.2004 on the basis authority of the post in the
of results declared Department/Office for which such option
before 01.01.2004 is exercised by Government servant. In
against vacancies case the Government servant has
occurred prior to submitted his option in his latest
01.01.2004 and Department/office, that
thereafter joined another Department/Office shall forward the
Central Government option to the concerned
Department / Office Department/office, for taking an
with proper permission appropriate decision. The decision taken
after tendering technical by the concerned Department/Office
resignation. Can the shall be communicated to his latest
option exercised by Department. In such cases, the
such a Government instructions relating to mobility as
servant be considered in contained in this Department’s O.Ms.
accordance with the No. 28/30/2004-P&PW (B) dated
O.M. dated 17.2.2020 26.07.2005 and 28.10.2009 shall also

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 and, if so, which be applicable and further action for
Department/office will counting of past service for
take a decision on such pension/gratuity shall be taken in
option. accordance with the CCS (Pension)
Rules, 1972 by the latest
Department/Office.

2 Can an option exercised If a Government servant, who was

by a member of the otherwise eligible to exercise option in
family of the deceased terms of the O.M. dated 17.02.2020,
Government servant be has already died, the option exercised
considered. by the member of the family, who is
eligible to receive NPS benefits on
death of the Government servant in
accordance with PFRDA (Exits and
Withdrawals under NPS) Regulations,
may be accepted and processed in
accordance with the instructions
contained in this Department’s OM
dated 17.02.2020.

If, before his death, the Government

servant had joined another Central
Government Department/office with
proper permission after tendering
technical resignation, the option
exercised by the such nominee shall be
processed in accordance with the
clarification No. (1) above.

3 In cases covered by The amount of the corpus in the NPS

clarification No. (2), how account, which was transferred to the
will the amount of the Government consequent on death of
corpus in the NPS the Government servant, shall be
account, which was adjusted in the manner indicated in
transferred to the para 9 of this Department’s O.M.
Government consequent dated 17.02.2020, with the modification
on death of the that the employee’s contribution in the
Government servant in NPS account along with up-to-date
accordance with the O.M. interest, calculated on the rates
No. 38/41/06/P&PW(A) applicable to GPF from time to time,
dated 05.05.2009, be shall be paid to the person in whose
adjusted. favour a nomination to receive NPS
amount was submitted by the
Government servant under the
Regulations notified by PFRDA.

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4. Will the instructions A Government servant, who joined on
contained in the OM or after 01.01.2004 on appointment
dated 17.02.2020 be on compassionate grounds, shall be
applicable in the case of eligible to exercise option in terms of
Government servants the OM dated 17.02.2020, if the
who joined on or after competent authority had taken the
01.01.2004 on decision on the recommendation of
appointment on the Screening/Selection Committee to
compassionate grounds. appoint the Government servant on
If so, how the eligibility of compassionate grounds before
such Government 01.01.2004.
servants to exercise
option under OM will
dated 17.02.2020 be
determined.

3. All Ministries / Departments are requested to bring the contents of these clarifications to the
notice of Controller of Accounts/Pay and Accounts Officers, Attached office and Subordinate
Offices under them.

4. Hindi version will follow.

(S. Chakrabarti)
Under Secretary to the Government of India

To,

1. All Central Govt. Ministries / Departments.

2. Department of Expenditure, Ministry of Finance, North Block, New Delhi.
3. C&AG, Bahadur Shah Zafar Marg, New Delhi.
4. Ministry of Railways, Railway Board, for information, New Delhi.
5. Department of Personnel and Training, North Block, New Delhi.
6. Department of Financial Services, Jeevan Deep Building, Parliament Street, New Delhi.
7. CGA, Department of Expenditure, INA, New Delhi,
8. AD(OL) for Hindi Version
9. NIC for posting on the website of this Department.

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 No.12/12/2020-P&PW(C)-6526
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare

8th Floor, Janpath Bhavan, Janpath

New Delhi-110001
Dated: 27 June, 2020
OFFICE MEMORANDUM

Subject: Dispensing with the requirement of BSR code of bank from the pension
claim forms
*****
While submitting pension claim form, a retiree or family member has to provide the detail
of his/her bank account, IFSC and BSR code of concerned bank branch. This Department has
received many representations from retirees to dispense with the requirement of BSR codes
from pension claim form as it is neither written in the passbook nor available on the website of
concerned bank. In order to get information of the BSR code, sometimes a retiree has to make
multiple visits to the concerned bank branch.
2. Therefore in order to avoid hardship of retiree and family members, it has been decided
to dispense with the requirement of BSR code for processing all type pension cases with
immediate effect. Henceforth a retiree or family pensioner will not be required to provide detail of
BSR code while submitting form 5 or form 14. Only the bank account detail along with IFSC will
be taken for processing the pension claim.
3. The Administrative Divisions of all Ministries/Department and attached/subordinate offices
are requested to bring these instructions to the notice of all concerned for compliance.
This issues with the approval of the competent authority

(Rajesh Kumar)
Under Secretary to the Government of India
Tel No. 23310108
To,
1. All the Ministries/ Department, Government of India
2. NIC, DoPPW: to incorporate the change in Bhavishya module
3. Controller General of Accounts, MahalekhaNiyantrak Bhawan, Ministry of Finance, GPO
Complex, Block E, INA Colony, New Delhi.- With reference to their U.O. No
4. 13013(12)/2/2020-IT Technical/cs-1435/248 dated 18.06.2020.

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 No.12/9/2020-P&PW(C)-6450
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare
*****
8th Floor, Janpath Bhavan,Janpath
New Delhi-110001
Dated: 17 July, 2020

OFFICE MEMORANDUM

Subject: Provisional release of retirement benefits as per Rule 64 of CCS (Pension) Rules,
1972 during Covid Pandemic time.

The undersigned is directed to say that in view of the unprecedented situation which has
arisen due to the outbreak of COVID-19, there may be cases where the processing of pension
case of a retiring Government servant gets delayed due to various factors. A Government servant
may find difficulty in submission of his pension Forms (Form 5, Form 3, etc.) to the Head of Office
(HOO) or the Head of Office (HOO) may not be able to forward the claim form in hard copy along
with service book to the concerned Pay & Accounts office in time, particularly when both the
offices are located in different cities. There may also be cases where the Pay & Accounts Office is
not able to process the case for authorization of pension before the retirement of the Government
servant.

2. Rule 64 of the CCS (Pension) Rules, 1972 provides for sanction of provisional pension and
provisional gratuity in cases where a Government servant is likely to retire before finalization of his
pension and gratuity. In order to ensure timely payment of pension and retirement gratuity on
retirement of a Government servant, wherever a Government servant is likely to retire before
finalization of his pensionary benefits, the Head of Office may rely upon the information as
available in the official records and take action to sanction provisional pension and provisional
gratuity, with the approval of the Head of Department. The provisional pension and provisional
gratuity may be sanctioned in those cases also, where retiring Government servant is unable to
submit the pension claim Forms for any reason. In cases where it is not possible to verify the
entire length of qualifying service immediately, provisional gratuity may be sanctioned in respect of
the verified continuous spell of service immediately preceding the date of retirement. A copy of the
draft letter for sanction of provisional pension is being enclosed.

3. The Pay & Accounts Office shall consider the case on the basis of details of last
emoluments and length of qualifying service indicated by the Head of Office and release the
provisional pension and provisional gratuity in the same manner as pay and allowances of the
establishment are paid. The Pay & Accounts Office shall not insist for complete documents of the
case, including service book, at the stage of release of provisional pension and provisional
gratuity.

4. These instructions shall also be applicable in cases where the Government servant retires
otherwise than on superannuation, i.e. voluntary retirement, retirement under FR 56, etc.

5. In cases where the amount of provisional pension is later found to be in excess of the final
pension, the excess amount of pension may be adjusted in the manner indicated in Rule 64 of
CCS (Pension) Rules, 1972.

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6. The payment of provisional pension sanctioned in accordance with para 2 above, may
initially continue for a period not exceeding six months from the date of retirement. The period of
provisional pension may be further extended, in exceptional cases, with the concurrence of PAO
and after approval by the Head of Department. However, the total period of provisional pension
shall, in no case, be more than one year from the date of retirement.

7. The date from which the final pension shall be commenced by the Pension Disbursing
Authority, may be indicated by the Pay & Accounts Office in the PPO. The date for
commencement of final pension by the PDA shall be at least two months after the date of issue of
the PPO, taking into consideration the time likely to be taken by CPAO and CPPC to process the
pension case. Pay & Accounts Office shall record a note in the PPO, as mentioned below, while
authorizing the final pension.

“Provisional pension has been/shall be paid by the office for the period from ------- to ---------
@ Rs. -------------- plus DA. The payment of final pension shall commence from the bank
w.e.f. ------------.”

The payment of provisional pension shall, accordingly, continue from the office till the date
mentioned in the PPO for commencement of final pension by the PDA so that there is no gap
between the date upto which the provisional pension is to be paid and the date of commencement
of final pension by the PDA.

8. The instructions in this OM, in so far as they are at variance with the provisions of rule 64,
shall be applicable till the work in offices is affected due to the outbreak of COVID-19. These
instructions would be reviewed by this Department after normalcy is restored. The provisions of
Rule 64 of the CCS (Pension) Rules, 1972 shall stand relaxed to the extent indicated above.

9. The Administrative Divisions of all Ministries/Department and attached/subordinate offices

are requested to bring these instructions to the notice of all concerned for compliance.

10. This issues with the approval of the competent authority.

(Rajesh Kumar)
Under Secretary to the Government of India
Tel No. 23310108

1. All the Ministries/ Department, Government of India

2. All Officers/Desks of the department

3. NIC, DoPPW: for uploading on website of this Department.

Copy to:- Controller General of Accounts, Mahalekha Niyantrak Bhawan, Ministry of

Finance, GPO Complex, Block E, INA Colony, New Delhi, Delhi 110023:- With reference to
their UO Note No.TA-3-104/8/2019-TA-III/CS-568/285 dated 30th June, 2020.

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 No....................................................
Government of India
Ministry of........................................
Department/Office.............................

Dated the..........................................

To

Shri/Smt./Km. .......................
.............................
.............................
(Name, designation and address of the Government servant)

Sub: Sanction of provisional pension and provisional gratuity in favour of

(Shri /Smt. /Km............................................)

Sir,

I am directed to say that Shri/Smt./Km................ (Name and Designation) of this Ministry/

Department/office has retired/ is due for retirement from Government service with effect
from........... However there is likely to be a delay in assessment and settlement of his/her pension
and gratuity and issuing Pension Payment Order. Shri/Smt./Km................was drawing/shall be
drawing a basic pay of Rs………….. on the date of retirement and he/she has ……………..years
qualifying service on the date of retirement. Shri/Smt./Km................ has submitted Form 5 on
………./has not submitted Form 5 so far.

2. In accordance with Rule 64 of the Central Civil Services (Pension) Rules, 1972, sanction of
the competent authority is here by accorded authorizing payment of the following:

* (i) An amount of Rs............../- per month as provisional pension for a period commencing
from ............... (Date following the date of retirement of Government servant)

** (ii) An amount of Rs. ............./- as provisional gratuity

* The amount of provisional pension shall be 100% of pension calculated based on

emoluments and qualifying service on the date of retirement.

** The amount of provisional gratuity shall be calculated after withholding 10% of the
amount of gratuity from the amount of retirement gratuity calculated based on the
emoluments and qualifying service on the date of retirement.

3. The following are the details of Government dues which will be recovered out of the
amount of provisional gratuity indicated in para 2 above.

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(a) Balance of the house-building or conveyance advance Rs.
(b) Overpayment of pay and allowances including leave Rs.
salary
(c) Income Tax deductible at source under the Income Tax Act, Rs.
1961 (43 of 1961)
(d) Arrears of license fee for occupation of Government Rs.
accommodation
(e) The amount of license fee for the retention of Government Rs.
accommodation for the permissible period beyond the date of
retirement
(f) Amount to be withheld as per intimation of the Directorate of Rs.
Estates under rule 72(5), if any
(g) Any other assessed/ dues and the nature thereof Rs.
(h)Amount to be withheld on account of unassessed govt.due Rs.
Total

4. The payment of provisional pension shall continue for a period of six months for the period
from ....... to.........
OR

The payment of provisional pension has been further extended with the concurrence PAO for the
period from..... to..... (Period to be specified provided that provisional pension will not be extended
in any case after one year of retirement.).

In case the PPO determining the amount of final pension and the amount of final gratuity is issued
before the expiry of a period of six months from the date of retirement or the extended period, the
payment of provisional pension shall discontinue from the date of commencement of final pension,
to be indicated in the Pension Payment Order.

5. If the amount of provisional pension is found to be in excess of the final pension, the excess
amount of pension shall be adjusted out of the withheld amount of gratuity failing which it shall be
recovered in instalments by making short payments of the pension payable in future.

Yours faithfully,

Head of Office

Copy for information to: The Pay and Accounts Officer

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 No.3/7/2020-P&PW(Desk-F)E.6574
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare
*****
8th Floor, B-Wing, Janpath Bhavan,
Janpath, New Delhi-110001,
Dated: July 17, 2020
OFFICE MEMORANDUM

Subject: - Missing credits in GPF accumulation of subscriber

*****
This office has been receiving grievances from retired government servant for less payment
of GPF accumulation at the time of retirement due to some old missing credits in a their GPF
account. The missing credits in GPF were reported by the subscribers who have been moved
from one establishment to another or have been assigned foreign deputation or the officers
belong to All India Service. In such case the GPF account is maintained by the separate
authority other than the authority generating salary bill and deducting the GPF subscription. The
co-ordination between these two authorities is crucial to avoid any missing credits.
2. In order to avoid such grievances, the office maintaining GPF accumulation are hereby advised to
intimate the particulars of missing credits once in a year to the authority responsible for deducing the
GPF subscription under intimation to subscribers. Further, the statement of all missing credits and all
debits will be provided to the subscriber before two years of the retirement and thereafter before one
year of retirement mandatorily. The subscriber can make representation on the statement provided to
him and the office responsible to maintain the GPF accumulation, shall resolve the grievance within two
month from the date of such grievances.

3. The Administrative Divisions of all Ministries/Department and attached/subordinate offices are

requested to bring these instructions to the notice of all concerned for compliance.

Sd/- (Rajendra
Kumar Dutta)
Under Secretary to the Government of India
Tel No. 011- 23310106

i. All the Ministries/ Department, Government of India

ii. Comptroller and Auditor General of India
iii. Controller General of Accounts
iv. All Accountant General (State)
v. NIC, DoPPW: for uploading on website of this Department.

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 No.1/7/2017--P&PW (F)
Government of India
Ministry of Personnel Public Grievances and Pensions
Department of Pension and Pensioners Welfare
*******
3rd Floor, Lok Nayak Bhawan, Khan
Market, New Delhi-110003
Dated: 28 July, 2020

OFFICE MEMORANDUM

Subject: Grant of disability pension, comprising service element and disability element to
pre-2006 disability pensioners, who were boarded out from service, with less than 10
years of qualifying service, due to an injury/disability, attributable to Govt. service –
regarding.

……………..

The undersigned is directed to say that, considering the hardship being faced by the disabled
Government servants, covered under the provisions of CCS (EOP) Rules, the Government had
decided to dispense with the minimum service required for earning service element of disability
pension, with effect from 01.01.2006 and orders were issued vide OM No.33/5/2009-P&PW (F),
dated 10th December 2010.

2. A doubt has been raised whether the provision of the aforesaid OM, dated 10.12.2010, would
be applicable to the Government servants who were boarded out of service, prior to 01.01.2006,
with a qualifying service of less than ten years.

3. The matter has been examined and it is clarified that Central Civil Government servants who
were boarded out, prior to 01.01.2006, with a qualifying service of less than ten years and were
in receipt of only the disability element of disability pension, would also be eligible for the service
element of disability pension, w.e.f. 01.01.2006, in addition to the disability element.

4. For calculating the disability pension w.e.f. 01.01.2006, the disability pension comprising,
both the service element and the disability element, will be notionally fixed from the date of
boarding out and the same will be notionally revised in accordance with the orders for revision of
disability pension, issued from time to time. The actual payment of such revised disability
pension would be payable only w.e.f. 01.01.2006. No arrears on account of grant of service
element, for the period prior to 01.01.2006, would be admissible. The amount of service gratuity,
if any paid, to the Government servant at the time of boarding out would be adjusted from the
arrears of pension accruing as a result of these orders.
5. This issues with the concurrence of the Ministry of Finance, Department of Expenditure, vide
their I.D. Note No. 1(9)/EV/2019 dated 25/06/2020.

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6. In their application to the persons belonging to Indian Audit and Accounts Department, these
orders are issued under Article 148(5) of the Constitution and after consultation with the
Comptroller and Auditor General of India

7. The Administrative Divisions of all Ministries/Department & attached/subordinate offices are

requested to bring the contents of these instructions to the notice of all concerned for
compliance.

(Seema Gupta)
Director
Ph. 23350012

To-
1. All Ministries/Departments of the Government of India
2. President’s Secretariat
3. Vice President’s Secretariat
4. Prime Minister’s Office
5. Comptroller & Auditor General of India
6. Cabinet Secretariat
7. Union Public Service Commission
8. NIC for uploading in the Website

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 No. 1/11/2020-P&PW (E)
Government of India
Ministry of Personnel, P.G. & Pensions
Department of Pension & Pensioners’ Welfare

3rd Floor, Lok Nayak Bhawan, Khan

Market, New Delhi,
Dated: 29 July, 2020

OFFICE MEMORANDUM

Subject: Relaxation of Rule 80-A for payment of provisional Family Pension on death
of a Government Servant during service.

The undersigned is directed to say that in accordance with Rule 80-A of the CCS (Pension)
Rules 1972, on death of a Government servant during service, Head of Office shall sanction and
draw provisional family pension and death gratuity in favour of claimant or claimants, after the
family pension case, including Form 18 and other documents referred to in Rule 80, has been
forwarded by the Head of Office to the Pay & Accounts Office. It has been brought to the notice of
this Department that the process of forwarding the family pension case to Pay & Accounts Office
along with requisite documents itself takes a long time. It is also understood that, in a large
number of cases, provisional family pension and gratuity are not being sanctioned on death of a
Government servant. The delay in finalization of family pension and gratuity results in hardship to
the family of the deceased Government servant.
2. The matter has been examined in this Department. In accordance with Rule 54 (2) (ii) of
the CCS (Pension) Rules, on death of Government servant during service, the family of a
deceased Government Servant becomes entitled to family pension even in cases where a
government servant dies before completion of one year of continuous service, provided the
deceased government servant concerned, immediately prior to his/ her appointment to the
service or post, was examined by appropriate medical authority and declared fit by that authority.
Thus family pension is payable to the family of deceased Government servant irrespective of the
length of service of the Government servant before his death. Therefore, verification of the entire
service is not relevant for determining the amount of family pension. The amount of death
gratuity, however, depends on the length of qualifying service of the deceased Government
servant. Any Government dues in respect of the deceased Government servant are also
required to be recovered from the amount of death gratuity.
3. Keeping in view the position mentioned in para 2 above and in order to avoid any hardship
to the family of the deceased Government servant, it has been decided to relax the provisions of
rule 80-A of the CCS (Pension) Rules, 1972 to the extent that if a claim for family pension in
Form 14 along with death certificate and bank account details of the claimant has been received
and the Head of Office is satisfied about the bonafide of that claim, he shall sanction provisional
family pension immediately. The Head of Office shall not wait for forwarding of the family
pension case (including Form-14, Form-18 and other relevant documents mentioned in Rule 80)
to Pay & Accounts Office before sanctioning the provisional family pension.
4. The amount of provisional family pension shall not exceed the maximum family pension
as admissible under Rule 54 of CCS Pension Rules, 1972.
5. In Central Armed Police Forces related cases, where death of an employee occurs,
initially provisional family pension may be sanctioned without waiting for the final Operation

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Casualty Report.
6. The Pay & Accounts Office shall release the provisional family pension on the basis of
sanction order issued by the Head of Office without insisting for any other documents including
service book. The provisional family pension shall be paid in the same manner as Pay and
Allowances of the establishment are paid.
7. A format for sanctioning the provisional family pension by the Head of Department is
enclosed.
8. There will be no change in regard to the provisions for sanction of provisional gratuity
under Rule 80-A. Action for sanction of death gratuity under rule 80-A may be taken by the Head
of Office after forwarding Form-18 and other relevant documents to Pay & Accounts Office. In
case the amount of provisional family pension is later found to be in excess of the final family
pension, the same may be adjusted from the amount of death gratuity, failing which, it may be
recovered in installments from the family pension payable in future.
9. The payment of provisional family pension sanctioned as per Para 3 above may initially
continue for a period of six months from the date, following the date of death of employee. The
period of such provisional family pension sanctioned may be further extended, for not more than
six months at a time, on the advice of Pay & Accounts Office and with the approval of Head of
Department (HOD).
10. The provisional family pension may continue to be paid for two months succeeding the
month in which the Pension Payment Order for final family pension is issued by the Pay &
Accounts Office, keeping in view the time likely to be taken by Central Pension Accounting
Office (CPAO) and Central Pension Processing Centre (CPPC) for processing the case. While
authorizing final family pension after receipt of complete family pension case, the Pay & Account
office shall indicate the date from which the family pension authorized in the Pension Payment
Order is to be paid by the Pension Disbursing Authority. Accordingly, the Office of Pay &
Account may record a note in the Pension Payment Order, as mentioned below, while
authorizing the final family pension:
“Provisional family pension has been/shall be paid for the period from ------- to --- @ Rs.
-------------- plus Dearness Relief. The payment of final family pension may be commenced by the
bank w.e.f. ------------------ --.”
11. The Administrative Divisions of all Ministries/Department and attached/subordinate offices
are requested to bring these instructions to the notice of all concerned for compliance.
The issues with the approval of Competent Authority

(Sanjoy Shankar) Under

Secretary to the Government of India
Ph. 24644632
1. All Ministries/Departments of the Government of India
2. 0/o the Comptroller & Auditor General of India
3. 0/o the Controller General of Accounts, Lok Nayak Bhawan, New Delhi.
4. Pensioners' Associations as per list maintained in the Department
5. All Officers/Desks
6. NIC for Uploading the Office Memorandum on the website

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 No....................................................
Government of India Ministry
of........................................
Department/Office.............................

Dated the..........................................
To

Shri/Smt./Kumari……………………………………………............ (Name and address of

claimant)
Subject: - Grant of provisional family pension.
Sir/Madam
I am directed to say that Shri/Smt./Kumari………… ………………
…………………...............................(Name and designation) died on. .................... As
per service record you are eligible to receive family pension.
2. In accordance with Rule 80-A of the Central Civil Services (Pension) Rules, 1972 read with
the O.M. No. 1/11/2020-P&PW (E) dated 29th July, 2020 of Department of Pension &
Pensioners’ Welfare, sanction of the competent authority is hereby accorded for payment of an
amount of Rs............../- per month as provisional family pension commencing from.
(Date following the date of death of Government servant)
* The amount of provisional pension shall be 100% of family pension as assessed based
on the pay on the date of death of Government servant.
3. The payment of provisional family pension sanctioned as per Para 3 of the OM No
1/11/2020-P&PW dated 29th July, 2020 may initially continue for a period of six months from the
date, following the date of death of employee. The period of such provisional family pension
sanctioned may be further extended, for not more than six months at a time, on the advice of
Pay & Accounts Office and with the approval of Head of Department (HOD).
4. If the amount of provisional family pension is found to be in excess of the final family
pension, it shall be recovered from gratuity instalments from the family pension payable in
future.

Yours faithfully,

Head of Department

Copy for information to the Pay and Accounts Officer

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 File No. 55/11/2017-P&PW (C)/E-4513
Government of India
Ministry of Personnel, Public Grievances & Pensions
Department of Pensions & Pensioners’ Welfare

3rd Floor, Lok Nayak Bhavan

Khan Market, New Delhi-11003
Dated: 26.08.2020

Office Memorandum

Subject: Facility for Central Government Civil pensioners to store Electronic PPO in Digi
Locker-regd.

1. It has come to the notice of this Department, that several Pensioners, over a period
of time, misplace the original copies of their Pension Payment Order (PPO) which,
needless to say, is a very important original document. In the absence of their PPO,
these pensioners have to face innumerable hardship at various stages of their retired
life. For newly retiring officials, in view of the widespread Covid-19 pandemic, it is a
dilemma to physically receive hard copies of the PPO.

2. Accordingly, the Department of Pension & Pensioners’ Welfare (DoPPW) has

decided to integrate the electronic Pension Payment Order (e-PPO) generated
through Public Financial Management System (PFMS) application of CGA(Controller
General of Accounts) with Digi Locker, in order to enhance Ease of Living of Central
Government Civil Pensioners. This system will enable any Pensioner to obtain an
instant copy/print-out of the latest copy of his PPO from his Digi Locker account. This
initiative will create a permanent record of his PPO in his Digi Locker and at the
same time eliminate delays in reaching the PPO to new pensioners, as well as the
necessity of handing over a physical copy.

3. This facility has been created within ‘Bhavishya’ software, which is a single
window platform for Pensioners, right from the start of their Pension
processing, till the end of the process. “Bhavishya” shall now provide an option to
the retiring employees, to link their Digi-locker account with their “Bhavishya”
account and obtain their e-PPO in a seamless manner.

4. The following steps are required to store e-PPO in Digi Locker:

 Bhavishya” provides option to retiring employees for linking their Digi-locker

account with “Bhavishya” to get e-PPO.
 Above option is available to the retiree at the time of filling of retirement forms,
as well as after submission of the forms
 Retiree will sign into their Digi-locker account from Bhavishya and authorize
Bhavishya to PUSH the e-PPO to Digi Locker.
 As soon as e-PPO is issued, it is automatically PUSHED into corresponding
Digi locker account and the retiree is informed about the same through SMS
and Email by Bhavishya.

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  To view/download the e-PPO, retiree has to log into the Digi Locker account
and simply click on the link.

5. The Administrative Divisions of all Ministries/Department and attached/subordinate

offices are requested to bring these instructions to the notice of all concerned for
compliance.

6. This issues with the approval of the Secretary (Pension & Pensioners’ Welfare).

(Manoj Kumar)
Under Secretary to the Government of India

To

1. All the Ministries/ Department, Government of India

2. NIC, DoPPW: for posting on website of this Department.

Copy to: -
PPS to Secretary (Pension) – for kind information of Secretary (Pension).
PPS to JS (Pension) – for kind information of JS(P).

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 No.18/1/2020-P&PW(C)-6681
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare
*****
8th Floor, Janpath Bhavan,Janpath
New Delhi-110001
Dated: 11 September, 2020

OFFICE MEMORANDUM

Subject: Extension of period for submission of Life Certificate from October 2020 till
December 2020.

Every Central Government pensioner has to submit life certificate in the month of
November for further continuation of his/her pension. It has been observed that a large number of
Central Government pensioners physically visit bank branches for this purpose.

2. Earlier, as a measure to enable additional dedicated time to very senior pensioners, this
department, vide its OM No. 1/20/2018-P&PW(E), dated 18.07.2019, allowed the pensioners in
the age group of 80 years and above, to submit Life Certificate from 1st October onward instead
of 1st November, every year.
3. In view of the ongoing Covid-19 pandemic and keeping in view of the vulnerability of elderly
population to Corona Virus, it has now been decided to extend the existing timeline for submission
of Life Certificate. This year, all Central Government pensioners may submit Life Certificate from
1st November, 2020 onward, till 31st December 2020. However, the pensioners in the age group
of 80 years and above, can submit Life Certificate from 1st October, 2020 onwards, to
31st December, 2020. During this extended period, the pension will be continued to be paid by the
Pension Disbursing Authorities (PDAs) uninterrupted.
4. Further, in the line of RBI notification no. RBI/2019-20/138, dated January 9, 2020, which
permits Video based Customer Identification Process (V-CIP) as a consent based alternate
method of establishing the customer’s identity, PDAs may also explore the said methodology for
obtaining a Life Certificate from the pensioner, to the extent permitted by RBI guidelines, in order
to avoid rush at the branches.
5. The above measures are expected to avoid rush at branches and maintain social distancing,
while obtaining Life Certificates from the elderly this year. PDAs shall also ensure proper
arrangements and social distancing measures at the branches and prevent overcrowding.

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6. All Pension Disbursing Authorities are requested to take note of this OM for compliance and
give wide publicity to the same amongst the pensioners.
This issues with the approval of the competent authority.

(Rajesh Kumar)
Under Secretary to the Government of India

To,

1. CMDs of all Pension Disbursing Banks

2. Controller General of Accounts, Mahalekha Niyantrak Bhawan, Ministry of Finance, GPO
Complex, Block E, INA Colony, New Delhi, Delhi 110023

3. Central Pension Accounts Office (CPAO), Ministry of Finance, Department of Expenditure,

Trikoot-II, Bhikaji Cama Place, New Delhi
4. CPPCs, All Pension Disbursing Banks
5. Chairman, Railway Board, Ministry of Railways, Rail Bhawan, New Delhi
6. Secretary, Ministry of Defence, South Block, New Delhi.
7. Secretary, Department of Ex-Servicemen Welfare, South Block, New Delhi.
8. Secretary, Department of Financial Services, Jeevan Deep Building, Sansad Marg, New
Delhi.
9. Secretary, Department of Telecommunications, Sanchar Bhavan, New Delhi.
10. Secretary, Department of Posts, Dak Bhavan, New Delhi
11. All Chief Secretaries of States.
12. Secretary ,Ministry of External Affairs, South Block, New Delhi
13. NIC:-for posting on website of this Department.

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 No.18/1/2020-P&PW(H)-Vol-III-6786
Government of India
Ministry of Personnel, Public Grievances & Pension
Department of Pension & Pensioners’ Welfare
*****
8th Floor, Janpath Bhavan,Janpath
New Delhi-110001
Dated: 23 November, 2020

OFFICE MEMORANDUM

Subject: Extension of period for submission of Life Certificate by Central Government

pensioners till February 28, 2021.
*****

The undersigned is directed to refer to this Department’s O.M. No. 18/1/2020-P&PW(C)-6681

dated 11th September, 2020 regarding the extension of timeline for submission of Life Certificate
by Central Government pensioners from 1st November, 2020 onward, till 31st December 2020.

2. This Department has been in receipt of numerous petitions from various Pensioners’
Associations as well as individuals requesting a further extension in the date for submitting Life
Certificate, in view of the ongoing Covid-19 pandemic and the vulnerability of elderly population to
Corona Virus. After consultation with the office of Controller General of Accounts, it has now been
decided to further extend the existing timeline for submission of Life Certificate. This year, all
Central Government pensioners may submit Life Certificate from 1st November, 2020 onward, till
February 28, 2021. During this extended period, the pension will be continued to be paid by the
Pension Disbursing Authorities (PDAs) uninterrupted.
3. The above measures are expected to avoid rush at branches, stagger the submission of the
LCs by the elderly population while maintaining social distancing, and to that extent, prevent the
spread of Corona virus. PDAs shall also ensure proper arrangements and social distancing
measures at the branches and prevent overcrowding.
4. All Pension Disbursing Authorities are requested to take note of this OM for compliance and
give wide publicity to the same amongst pensioners.
This issues with the approval of the competent authority.

(Rajesh Kumar)
Under Secretary to the Government of India

To,

1. Secretary, Dept of Expenditure, Ministry of Finance, North Block, New Delhi.

2. CMDs of all Pension Disbursing Banks
3. Controller General of Accounts, Mahalekha Niyantrak Bhawan, Ministry of Finance, GPO
Complex, Block E, INA Colony, New Delhi.

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190 Back
 GOVERNMENT OF INDIA
MINISTRY OF PERSONNEL, PUBLIC GRIEVANCES AND PENSIONS
DEPARTMENT OF PENSION AND PENSIONERS’ WELFARE
NEW DELHI

www.pensionportal.gov.in @DOPPW_India www.facebook.com/sankalp.DOPPW