Jeevan Pramaan
Also written Digital Life Certificate
The digital life certificate a pensioner can submit online, using Aadhaar and a mobile, at jeevanpramaan.gov.in, instead of visiting the bank branch in person.
In plain language
Every pensioner has to prove, once a year, that they are still alive — otherwise the pension can stop. Jeevan Pramaan is the digital way to do that.
The workbook names it directly: Jeevan Pramaan is a Digital Life Certificate, generated using Aadhaar and a mobile, available at www.jeevanpramaan.gov.in. Instead of standing in a queue at the bank branch with a physical paper, a pensioner can complete the same requirement from a phone or a nearby service centre.
It exists to serve the same purpose as the paper Life Certificate, just through a faster, Aadhaar-based route.
How it works
The workbook places Jeevan Pramaan directly under its "Being a Pensioner" checklist, alongside the instruction to submit the Life Certificate to the bank branch every November. It gives the website — www.jeevanpramaan.gov.in — as the place to generate the digital version, and names Aadhaar and a mobile as what the process runs on.
The booklet does not spell out the exact biometric steps (fingerprint or iris scan) or a specific submission deadline separate from the general pension checklist. What it establishes clearly is that Jeevan Pramaan is the Aadhaar-based, mobile-linked alternative to the physical certificate — not a different obligation, but a different way of meeting the same one.
A worked example
Prakash, a 68-year-old retired bank employee in Nagpur, used to travel to his branch every November with a physical Life Certificate signed by a gazetted officer.
This year he instead visits a nearby Common Service Centre with his Aadhaar number and mobile phone, and generates his Jeevan Pramaan ID in a few minutes through the biometric process the centre offers. His pension-disbursing bank picks up the digital certificate linked to his Aadhaar, and his pension continues without interruption.
His neighbour, who is more comfortable with paperwork than with a phone, still submits the physical Life Certificate at the branch counter in November. Both routes satisfy the same annual requirement — the workbook treats Jeevan Pramaan as an alternative, not a replacement that everyone must use.
Why NISM asks about it
Chapter 7 (Pension, Retirement and Estate Planning) lists Jeevan Pramaan under its pension-services checklist, immediately after the instruction to submit a Life Certificate every November. Expect a question naming the website or asking what Jeevan Pramaan uses to verify a pensioner — Aadhaar and a mobile.
Common exam traps
- Jeevan Pramaan is the digital route; Life Certificate is the general requirement. They meet the same annual obligation, not two separate ones.
- It runs on Aadhaar and a mobile, not on a bank login or a PAN card.
- The workbook gives the website as jeevanpramaan.gov.in — do not confuse it with the general SEBI investor website.
Check yourself
1.When must a pensioner submit the Life Certificate to the bank branch, and what is the digital alternative?
- a)In April every year; the alternative is a notarised affidavit
- b)In November every year; the alternative is "Jeevan Pramaan", a Digital Life Certificate using Aadhaar and mobile
- c)Once every three years; there is no digital alternative
- d)In November every year; the alternative is a video call with the branch manager
Show the answer
Answer: (b) In November every year; the alternative is "Jeevan Pramaan", a Digital Life Certificate using Aadhaar and mobile
"Do remember to submit your 'LIFE CERTIFICATE' to your bank branch in NOVEMBER, every year" and "'JEEVAN PRAMAAN' – Digital Life Certificate using AADHAAR AND MOBILE at: www.jeevanpramaan.gov.in." Before Jeevan Pramaan, a pensioner had to physically appear at the disbursing branch once a year to prove they were alive — a real hardship for the frail, the ill and anyone living far from the branch, and missing it stops the pension. Three other conveniences sit alongside it and are equally examinable: "No need to open separate account for pension", "Existing account can be used for receiving pension", and "Pension account can be transferred to another branch or DIFFERENT BANK" — so moving to live with a child no longer strands the pension.
Where this is taught
Free preparation for NISM Series SEBI-ICERelated terms
- National Pension SystemA PFRDA-regulated, defined-contribution retirement scheme in which the subscriber builds a market-linked corpus and must convert part of it into an annuity at exit; there is no guaranteed return.
- Life CertificateThe annual proof-of-life a pensioner must submit to their bank branch every November to keep their pension account operative.
- PensionA regular payment a person receives after retiring from regular work, or on reaching a certain age, so they have an income once they stop earning.