Neutral impactEconomy
EPS-95 pensioners: EPFO says submit Digital Life Certificate from home using Umang app; here's step-by-step process
Mint 1d ago·11 Nov 2026, 6:49 am
The Employees' Provident Fund Organisation (EPFO) has rolled out an online option for EPS‑95 pensioners to generate and submit their Digital Life Certificate (Jeevan Pramaan) from home. Using the UMANG app, pensioners can authenticate with Aadhaar‑linked facial recognition and complete the process without visiting a bank or EPFO office.
For investors, the move signals a broader push by the government to digitise routine welfare services. Faster, paper‑less verification can reduce delays in pension payouts, improve cash flow for retirees, and potentially increase spending power among a large senior demographic. It also highlights growing demand for digital‑identity and fintech platforms that enable such services.
Going forward, market participants will be watching the uptake of the UMANG‑based system, any further extensions of digital life‑certificate filing to other pension schemes, and whether similar digital‑first initiatives are introduced across other government services, which could boost business for technology providers in the ecosystem.
Excerpt from Mint
EPFO has informed EPS-95 pensioners about the online facility to generate and submit a Digital Life Certificate (Jeevan Pramaan) from home using the UMANG app and Aadhaar-based face authentication. Here’s a step-by-step guide to the online process. The Employees' Provident Fund Organisation (EPFO) has informed…Read the original at Mint
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