IPPB–EPFO MoU for Jeevan Pramaan Services

• 04 Nov 2025

Source: PIB

Why in News? 

India Post Payments Bank (IPPB) has signed an MoU with the Employees’ Provident Fund Organisation (EPFO) to provide doorstep Digital Life Certificates (Jeevan Pramaan) services for pensioners under the Employees’ Pension Scheme, 1995 a key move toward inclusive and technology-driven pension delivery.

Jeevan Pramaan

• About: Jeevan Pramaan is an Aadhaar-based, biometric-enabled Digital Life Certificate (DLC) for pensioners. It verifies the pensioner’s existence and ensures continuous pension credit into their bank account. 
• Eligibility: Pensioners from the central, state, or any other government agency are eligible to use this service.
  • However, it is not a one-time requirement; the certificate must be submitted every year.
• Implementation: It is implemented by the Ministry of Personnel, Public Grievances and Pensions, through the Department of Pension and Pensioners’ Welfare (DoPPW).

What is the India Post Payments Bank (IPPB)?

• About:  IPPB, launched in 2018, operates under the Department of Posts, Ministry of Communications, and is headquartered in New Delhi, India.
  • It aims to provide affordable and accessible banking services, especially in rural and underserved areas, by using India Post’s vast network to deliver doorstep financial inclusion across the country.
• Key Features:

• Innovation and Partnerships:
  • Fincluvation Initiative: A platform launched by IPPB to collaborate with fintech startups, co-create solutions, and innovate for financial inclusion.
  • WhatsApp Banking Services: It allows customers to access banking services easily on WhatsApp.
  • Ria Money Transfer Partnership: Provides international inward money transfer services, initially available at over 25,000 Post Office locations.
• Significance: It plays a key role in advancing financial inclusion, especially in rural and remote areas. 
  • By offering doorstep banking through postmen and Gramin Dak Sevaks, it bridges the urban–rural divide and empowers citizens across all sections of society. 
    • India’s postal system with India Post Office and IPPB Online is now the world’s largest doorstep banking network, ensuring dignity and empowerment.
  • Its focus on digital financial services supports the Digital India mission and promotes a cashless, inclusive economy.

Frequently Asked Questions (FAQs)

1. What is Jeevan Pramaan?

Jeevan Pramaan is an Aadhaar-based digital life certificate (DLC) platform introduced to enable pensioners to submit annual life certificates online, ensuring continuous pension credit without physical visits.

2. How will doorstep DLC be authenticated?

Authentication uses Aadhaar-linked biometric verification (fingerprint) or face authentication, performed by IPPB postmen  via Core Banking Solution-integrated devices.

3. What is the India Post Payments Bank (IPPB)?

IPPB, launched in 2018 it operates under the Department of Posts, Ministry of Communications. It aims to provide affordable and accessible banking services, especially in rural and underserved areas.

UPSC Civil Services Examination, Previous Year Questions (PYQs)

Q. With reference to India, consider the following: (2010) 

1. Nationalization of Banks 
2. Formation of Regional Rural Banks
3. Adoption of village by Bank Branches 

Which of the above can be considered as steps taken to achieve the “financial inclusion” in India? 

(a) 1 and 2 only

(b) 2 and 3 only 

(c) 3 only 

(d) 1, 2, and 3 

Ans: (d)

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Q. What is the purpose of setting up of Small Finance Banks (SFBs) in India? (2017)

1. To supply credit to small business units
2. To supply credit to small and marginal farmers
3. To encourage young entrepreneurs to set up business particularly in rural areas.

Select the correct answer using the code given below:

(a) 1 and 2 only

(b) 2 and 3 only 

(c) 1 and 3 only 

(d) 1, 2 and 3

Ans: (a)