Research Note
These are the required documents and the procedure to apply for pension as a naval officer
1. Personal Identification Documents
- Aadhaar Card (Self and family, if applicable).
- PAN Card
- Passport (if available).
- Voter ID (as additional proof of identity).
2. Service-Related Documents- Service Record/Certificate of Service: Provided by the Naval Pay
Office or unit.
Discharge Certificate: Issued at the time of retirement or discharge.
Pension Claim Form: Duly filled form for pension application.
Medical Examination Report: If applying for disability pension.
Last Pay Certificate (LPC): Indicates your last drawn pay and allowances.
No Dues Certificate (NDC): Certifies that no dues are pending against you.
Commutation of Pension Form: If opting for commuted pension (a lump sum payment).
3. Financial Details
Bank Account Details:
Joint account (if married) in the officer's name and the spouse's name.
Bank passbook or canceled cheque for verification.
Mandate Form: Authorizing the bank to credit the pension.
Copy of SPARSH Registration Acknowledgment: If pension is to be managed through SPARSH.
4. Nominee Details
Nomination Form: Duly filled form indicating the nominee for pension benefits.
Nominee’s Identity Proof: Aadhaar, PAN, etc.
Marriage Certificate: For spouse as the nominee.
Birth Certificates: For dependent children (if applicable).
5. Medical Documents (for Disability Pension)
Medical Board Proceedings: Assessment of disability by the Medical Board.
Percentage of Disability Certificate: Issued by the competent authority.
Disability Discharge Certificate: If applicable.
6. Family Pension-Specific Documents (if applicable)
Death Certificate of Deceased Officer: If claiming family pension.
Surviving Family Member Certificate: Issued by a competent authority.
Dependent Parents Certificate: If parents are claiming a dependent pension.
Divorce/Legal Separation Documents: If ex-spouse is the claimant.
7. Retirement Gratuity Documents
Gratuity Claim Form: Filled and signed by the officer or nominee.
Gratuity Nomination Form: Indicating the nominee for gratuity benefits.
8. Other Documents
Photographs: Recent passport-sized photographs (self, spouse, and dependents).
Proof of Address: Utility bills, ration card, or other valid documents.
Income Certificate: If applicable, for dependent pension claims.
Self-Certified Affidavit: Declaring that no other pension is being claimed.
Indemnity Bond: In some cases, required by the Pension Disbursing Authority (PDA).
For SPARSH (System for Pension Administration Raksha)
If your pension is processed through SPARSH, you will also need:
Email ID and Mobile Number: For receiving SPARSH login credentials.
Digital Signature : To authenticate online submissions.
Heres a step-by-step procedure to apply for a pension
Step 1: Preparation
- Check Pension Eligibility: Ensure that you meet the service criteria for pension benefits.
- Minimum of 20 years of service for a regular pension (15 years for Short Service Commission
in specific cases).
- Disability pension or family pension (if applicable).
- Update Personal Records: Verify that all personal and service details are up to date in the Navy
records, including:
- Name, rank, service number, and date of joining.
- Family details for family pension eligibility.
- Nomination Detail: Ensure that pension nominees are registered.
Step 2: Completion of Pension Forms
- Before your retirement, you will be asked to fill out:
- Pension Application Form.
- Nomination Form for Pension Benefits.
- Commutation of Pension Form(if you wish to receive a portion of your pension as a lump
sum).
- Any other forms as required by the Navy.
Step 3: Verification by Naval Headquarters (NHQ)
- Once you submit your forms, your pension case will be processed by:
- Naval Pay and Pensions Office (NPPO) for calculating the pension and gratuity.
- Principal Controller of Defence Accounts (Pensions) (PCDA(P)) in Prayagraj for final
verification.
Step 4: Issue of Pension Payment Order (PPO
- After verification, the PCDA(P) will issue a Pension Payment Order (PPO) with:
- Pension details (monthly pension amount, commutation details, etc.).
- Bank account details where the pension will be credited.
Step 5: Choose Pension Disbursing Authority
- You can receive your pension through:
- SPARSH (System for Pension Administration Raksha) Most pensions are now processed and
disbursed through this centralized system. You will receive login credentials to monitor your
pension status online.
Bank or Treasury: Traditional banks like SBI, PNB, etc., also handle pensions if you’re not
migrated to SPARSH.
Step 6: Submit Documents to Disbursing Bank
Visit your selected pension-disbursing bank branch and submit:
- PPO issued by PCDA(P).
- KYC documents (Aadhaar, PAN, etc.).
- Joint account details (if you have opted for one).
- Proof of age (if required).
The bank will process the request and activate your pension account.
Step 7: Pension Activation
- Your pension will start within 1–2 months of retirement or discharge.
- Regular pension payments will be credited directly to your bank account.
For Disability Pension
Medical Examination: Appear before a Medical Board to assess the disability.
2. Medical Board Proceedings: Submit the findings to NHQ.
3. Approval: PCDA(P) will approve and include disability pension in the PPO.
4. Disability Pension Rates: Payment depends on the percentage of disability.
For Family Pension
1. In case of the officer’s demise:
- The family member must provide the death certificate.
- Submit relevant family details to the Pension Disbursing Authority (PDA).
2. Family pension is processed and credited to the nominee's account.
