All Authorised Banks Must Send Monthly Pension Payment Slips To Pensioners, Says Pension Office

The last date to submit the life certificate for pension was November 30. However, many pensioners, despite submitting their life certificate within the deadline, feel unsure whether their pension will be credited on time or not. Also, when pension is credited, they often don’t receive the pension payment slip.

To address this issue of non-receipt of pension payment slip, the Central Pension Accounting Office (CPAO), which operates under the Ministry of Finance, Government of India, has issued a memorandum recently, directing all authorised banks to mandatorily provide the pension payment slip to central civil pensioners and family pensioners on a monthly basis.

“All CPPCs of authorised banks are once again instructed to invariably provide the pension payment slip to all central civil pensioners and family pensioners after credit of pension/family pension through various available modes, including email. If email is not available, the same may be obtained from the pensioner so that the pension slip can be sent through e-mail,” CPAO said in its memorandum dated November 25, 2025.

The latest circular refers to its earlier memorandum dated February 28, 2024, and notes that pensioners still send grievances about not receiving the pension payment slip.  

What The Mandate Says

The February 2024 instructions required central pension processing centres (CPPCs) to send pension payment slips to pensioners by SMS, WhatsApp, or email on registered contacts. The recent mandate emphasises this again and asks CPPCs to collect pensioners’ email addresses if not already on record. The purpose is to ensure every pensioner gets a digital payment slip each month.

It has also laid down the design of the document, containing all information relevant to the pensioner. The memorandum says: “The Pension Slip must be prepared in a suitable and well-laid-out format and fonts to ensure easy readability for pensioners of all ages.”

Though banks can modify the format, they should ensure that it contains all information included in the laid format.

What Information Should The Slip Contain?

CPAO has provided the format while giving freedom to the banks to change the layout, with the condition that it must contain all the essential information in the sample format provided by the CPAO. It must bear the pension payment order (PPO) number, pensioner name, bank details, date of birth, and name of any family pensioner or nominee.

Another set of information required to be included in the format is earnings (basic amount of pension or family pension, dearness relief, fixed medical allowance, gratuity, and other allowances. Further, the information about the pension commutation, recovery of excess payment, income tax deduction, and tax deducted at source (TDS) has to be included in the slip. The idea is to keep pensioners informed about their payment schedules.

Who Are CPPCs?

There are 26 CPPCs (bank branches) authorised by the government to disburse pension and family pension to central government employees. These include, Axis Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, HDFC Bank, ICICI Bank, IDBI Bank, Indian Overseas Bank, Indian Bank, J & K Bank, Kotak Mahindra Bank, Punjab National Bank, Punjab & Sind Bank, Union Bank of India, and United Commercial Bank.

Dirghayu Mobile App

To support the pensioners in accessing the pension-related details, the memorandum has asked subscribers to download the “DIRGHAYU” mobile app from Google Play Store (Android) and Apple Store (IOS). Pensioners can check the last 24 pension payments through this app and also lodge a grievance if they have any.