My pension hasn't been credited — how do I fix it?
An uncredited pension is usually fixed by submitting or renewing your annual Life Certificate, clearing any bank KYC or account issue, and resolving a PPO mismatch with your disbursing bank, then escalating to CPAO and the grievance portals if it is still stuck.
Retired government and EPS-95 pensioners whose monthly pension has stopped or was not credited on time.
A situation like yours
Ramesh, a retired schoolteacher, noticed his pension had stopped one month with no warning. At the bank branch he learned his annual Life Certificate had lapsed, so the system had paused payments.
He submitted a fresh Jeevan Pramaan Life Certificate at the branch, and when the arrears still didn't arrive, he lodged a grievance on the CPENGRAMS pension portal quoting his PPO number. The held-up months were released together with the next regular credit.
Representative example based on common cases — not a specific individual.
How to resolve it
- 1
Check the obvious causes first
Pension-disbursing bank branchIn person / by postAllow ~3 daysMost stoppages come from one of three things: a lapsed annual Life Certificate, a bank account / KYC issue (dormant account, expired KYC, frozen account), or a PPO (Pension Payment Order) mismatch. Visit your pension-disbursing bank branch with your PPO number and ask which one applies to you.
- 2
Submit or renew your Life Certificate
Bank / Jeevan Pramaan (CSC or online)OnlineAllow ~7 daysEvery pensioner must submit an annual Life Certificate (Jeevan Pramaan). You can do it at the bank branch, a nearby CSC, a post office, or online at jeevanpramaan.gov.in using your Aadhaar and a fingerprint/face scan. Once accepted, paused payments and arrears are usually released automatically.
- 3
Escalate to CPAO or EPFO grievance
CPAO (central pensioners) / EPFO EPFiGMS (EPS-95)OnlineAllow ~15 daysFor central government pensioners, the nodal body is the Central Pension Accounting Office (CPAO) — raise the PPO/credit issue with them through your bank's pension cell. EPS-95 pensioners should file on the EPFO grievance system EPFiGMS with their PPO and PF numbers.
- 4
Lodge a grievance on CPENGRAMS / pgportal
Department of Pension (CPENGRAMS / CPGRAMS)OnlineAllow ~30 daysIf the bank and nodal office don't resolve it, file a formal grievance on CPENGRAMS (the pensioners' portal) or the public grievance portal pgportal.gov.in. Quote your PPO number, the months not credited, and what you have already done. Note the registration number to track it.
- 5
Use RTI to break a long delay
PIO (bank pension cell / sanctioning office)File an RTIAllow ~30 daysAI RTI DraftIf the pension stays stuck, file an RTI with the disbursing bank's pension cell or the pension-sanctioning office asking the status of your PPO, your Life Certificate record, and the reason for the hold. The paper trail often unblocks a stalled case. Use the AI RTI draft tool to frame it.
Your legal rights
Jeevan Pramaan (Digital Life Certificate) — Department of Pension & Pensioners' Welfare
Every pensioner must furnish an annual Life Certificate to keep their pension running; the digital Jeevan Pramaan certificate can be submitted at a bank, CSC, post office or online and is accepted nationwide.
Source: Department of Pension & Pensioners' Welfare (Government of India) ↗CPENGRAMS — Centralised Pension Grievance Redress And Monitoring System
Pensioners can lodge a formal grievance about non-credit or delay through the pensioners' grievance portal (CPENGRAMS), which routes the complaint to the responsible bank or department for time-bound action.
Source: Department of Pension & Pensioners' Welfare (Government of India) ↗Central Pension Accounting Office (CPAO) — pension disbursement scheme
For central government pensioners, the Central Pension Accounting Office authorises and reconciles pension payments through the disbursing banks; PPO and credit mismatches are escalated to CPAO.
Source: Ministry of Finance (Government of India) ↗Tools that help
Common questions
Still stuck, or solved it differently?
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