EPS-95 Pension: EPFO Explains How to Submit Digital Life Certificate Through UMANG App

The Employees' Provident Fund Organisation (EPFO) has issued a reminder to pensioners covered under the Employees' Pension Scheme, 1995 (EPS-95), about submitting their Digital Life Certificates through the UMANG app.  

As per news report, the facility allows pensioners to complete the annual Jeevan Pramaan process using face authentication on a smartphone. 

In a post on X, EPFO noted that pensioners whose certificates are due for renewal need not visit a bank or office for submission. They can use the UMANG app along with the AadhaarFaceRD application to generate the certificate. 

When Should EPS-95 Pensioners Renew Their Life Certificate? 

The Digital Life Certificate must be renewed every 12 months. Pensioners can submit it at any point during the year, but a fresh certificate is required once the existing one expires. Failure to renew it may result in a disruption in pension payments. 

How to Submit Digital Life Certificate Using UMANG? 

To generate the certificate, pensioners must first log in to the UMANG app using their registered mobile number and the OTP received on it. They can then search for 'Jeevan Pramaan' and select 'Generate Life Certificate'. 

The next step is to select face authentication. The AadhaarFaceRD application must be installed on the phone for this process. Pensioners need to enter their Aadhaar number and verify it through the OTP sent to their Aadhaar-linked mobile number. 

They must then provide their pension details, including their name, EPS-95 as the pension type, EPFO as the organisation, pension sanctioning authority, disbursing agency, PPO number and pension bank account number. Questions relating to re-employment and remarriage must also be answered. 

After checking the information, pensioners must provide consent and complete the face scan by following the instructions on AadhaarFaceRD. The certificate is generated once authentication is successful. The Jeevan Pramaan ID should be saved for future reference and can be used to view the certificate. 

Is a Separate Copy Required? 

A physical copy is not required after successful generation. The Digital Life Certificate is saved in the Jeevan Pramaan repository and sent electronically to the pension disbursing agency. 

Pensioners do not have to submit another copy to EPFO or their bank. 

Read More: EPFO VISHWAS 2026 Scheme: Employers Can Pay Lower Damages on Pending PF Dues by December 28, 2026! 

Conclusion  

The UMANG app allows EPS-95 pensioners to complete their annual life certificate submission without visiting a bank or EPFO office. A separate physical copy is not required after successful generation. 

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