FAQ - Pension Related

FAQ - Pension Related

  • FAQ - Pension Related

FAQ - Alimony Related

Ans: Yeah, a pensioner tin describe his/her pension from a SBI Co-operative if he/she is a Central/Land Govt. Pensioner or Autonomous Torso, which has arrangement for alimony payment with our Bank.

Ans: Yes. Even the Government employees before drawing their pension from a Treasury or from a Post Role will have the selection to draw their alimony from the authorized Bank'southward Branches.

Ans: The pensioner will open his/her SB/CA account at the Co-operative of his/ her option/ convenience (Home Branch) as hitherto.

Ans: The retiring person should open an account with a SBI Branch and advise this Account number and Branch to the concerned Pension Sanctioning Authorization for release of his/her pension.

Ans: The pensioner is non required to open a separate pension account. The pension can be credited to his or her existing savings/current account maintained with any Co-operative of the Bank selected past the pensioner.

Ans: The pensioner should open an account with a convenient SBI Co-operative and request his/ her existing banker to transport the pension papers to the concerned Govt. authorities for onward submission to concerned CPPC of SBI for pension processing.

Ans:(a) Pensioner can transfer his/ her alimony account from ane Branch to another Branch of the same Banking concern inside the same centre or at a unlike centre;
(b) He/She can also transfer his/ her account from ane authorized Banking company to some other authorized Bank at different centre.

Ans: Yeah. All Cardinal Authorities Pensioners and those Country Governments which accept accepted such arrangement can open up Articulation Account with their spouses.

Ans: The Joint Account of the pensioner with spouse can be operated either by ''Former or Survivor" or "Either or Survivor".

Ans:Yes, either or survivor pension account will exist connected later on death of pensioner when the spouse is the survivor and having a joint account with the pensioner and in whose favour an authorisation for payment of family pension exists in the Pension Payment Order (PPO).

Ans: Yes, the functionality of printing PPO No. in the Passbook past the system itself along with other details on the 1st page is deployed.

Ans: If the pensioner is physically handicapped/incapacitated and unable to present at the branch, the requirement of personal advent is waived. In such cases the Bank official visits the pensioner'due south residence/infirmary for the purpose of identification and obtaining specimen signature or pollex/toe impression.

Ans: A pensioner, who is one-time, sick or lost both his / her easily and, therefore, cannot sign, tin put whatsoever marking or thumb/ toe impression on the form for opening of pension business relationship. While withdrawing the pension amount he/ she tin can put pollex/toe impression on the cheque/withdrawal form and it should be identified by ii independent witnesses known to the Banking concern one of whom should be a Bank official.

Ans: In such cases, a pensioner can put any mark or impression on the cheque/ withdrawal course and may indicate to the banking company equally to who would withdraw pension amount from the Bank on the ground of check / withdrawal class. Such a person should be identified by two contained witnesses. The person who is actually drawing the coin from the Bank should be asked to furnish his/ her specimen signature to the Bank.

Ans: Yes, every bit under. a) - Pensioner tin can submit DLC from his residence, if the pensioner is having a PC/Laptop with internet connection and Registered Biometric Device.
b) - Nether the Door Stride Cyberbanking (DSB) for non-financial transactions, Bank has provided the facility for pick-upwards of Life Certificate from the residence of pensioners having age of more seventy years and differently abled or infirm persons (having medically certified chronic disease or disability) including those who are visually dumb.

Ans: The account is not immune to be operated past a holder of Ability of Chaser. However, the check book/ATM/INB facility and acceptance of standing instructions for transfer of funds from the account is permissible.

Ans: The pensioner will proceed to complete all the pension related formalities such every bit submission of mandatory undertakings for recovery of overpayment etc. at his/her Dwelling house Branch and if requested for the grant of FMA an undertaking on prescribed proforma every year, in example of Cardinal Civil Pension.

Ans: The disbursement of pension by paying branch is spread over the last four working days of the month depending on the convenience of the alimony paying Co-operative except for the month of March when the pension is credited on or later on the start working day of April

Ans: The family alimony commences afterwards the decease of the pensioner. The family unit pension is payable to the person indicated in the PPO on receipt of a decease certificate and awarding from the family member of pensioner.

Ans: The Domicile Branch through which pension had been paid to the pensioner volition be the contact point in the instance of Family Pension also.
The family member of pensioner, as indicated in the PPO, has to visit the Branch from where the alimony was beingness released every month, with the post-obit documents:

The family member of pensioner, equally indicated in the PPO, has to visit the Co-operative from where the pension was being released every month, with the following documents:

  • Death Document of the pensioner (original plus 1 photocopy) the original will be returned after verification past the depository financial institution.
  • Not remarriage certificate and not-employment certificate to be submitted. Unproblematic declaration to be attested by the Bank official or any gazetted officer. The Performa will exist available at the Branch.
  • Life Certificate of the family pensioner forth with other mandatory Certificates and an Undertaking if FMA granted to Central Ceremonious Pensioner on prescribed proforma (These Certificates and Undertaking are also mandatory to submit to Bank once every year in the month of Nov).
  • Once all the documents are processed, the family pension will start from next month and the aforementioned will be paid forth with arrears if whatsoever.

Ans: At the time of retirement, pensioners have the option to select Fixed Medical Allowance or Fundamental Government Health Scheme (CGHS) Treatment Facility.

If a Central Govt. Pensioner is not a member of CGHS and opted for Fixed Medical Allowance, the Fixed Medical Allowance may exist granted to the pensioner and volition exist paid on the monthly footing. In this regard pensioner has to submit an undertaking on prescribed proforma every year along with other necessary Certificates

Even so if the pensioner wants to alter the pick or to know the other provisions/ details regarding CGHS etc., may contact his/her Department.

Ans: As per Govt. instructions, life certificate, duly witnessed, should exist submitted to the whatever Alimony Paying Co-operative in the calendar month of November every twelvemonth.

In instance of Senior Pensioners of the historic period of 80 years and higher up, Government has allowed to submit their Life Certificate west.e.f. 01 October every year instead of November which would be valid till 30th November of the subsequent year.

The Life Document form volition be bachelor at our branches or can be downloaded from onlinesbi, or you can also download the form from the Authorities website cpao.nic.in.

Ans: The pensioner can submit life certificate at any co-operative of the Bank either in person or through his/her authorized representative. The receiving official volition acknowledge receipt of the Life Certificate.

Ans: If life document is not submitted in the month of November of a year, payment of alimony for November and onwards is not be paid to the pensioner, in accordance with the instructions of the Govt.

Ans: One time Life Document is keyed in the Pension System, alimony will get paid alongwith arrears on the side by side pension processing wheel - normally it is weekly basis.

Ans: Pensioner is required to submit the following data:

  • Aadhaar No.
  • Present Accost:
  • Phone Number (if any)
  • Mobile Number (if any) this is required for sending pension slip and other useful message through SMS.
  • PAN (Income Tax) this is required for the proper adding of TDS.
  • Date of birth of the spouse (with proof) this is a requirement of Government.
  • e-Mail address, for sending pension related information i.east. monthly alimony slip etc.

Ans:

This is Aadhar based digital verification version of life Certificate.

Government of India, on tenth November, 2014 has launched "Jeevan Pramaan" an "Aadhaar based Digital Life Document" for pensioners. This initiative is in addition to the existing arrangement of physical submission of Life Document by pensioners at the pension disbursing branches or any branch of the Bank at his convenience.

Pensioner can visit a nearby CSC centre, Depository financial institution Branch or any Government Office whose details are provided under "locate eye" on jeevanpramaan.gov.in and bio-metrically cosign his / her life document in real time past giving his/her Aadhaar number and other pension details related to their pension Bank account.

Later on successful submission of digital life certificate, pensioner will get a SMS on his/her mobile giving the transaction ID. Pensioner will exist able to download calculator generated life certificate from jeevanpramaan.gov.in using this transaction ID for their records.

Physical Life Certificate will continue to be accepted from pensioners if preferred past him / her.

Since the entire process is primarily Aadhaar based, Digital Life Document submitted by the pensioner can be authenticated but when pensioners' accounts are seeded with their Aadhaar Number.

Ans:

Yes, Pensioner, who produces a Life Document in the prescribed form in Annexure-XVII signed past whatsoever person specified hereunder, is exempted from personal advent.

  • A person exercising the powers of a Magistrate under the Criminal Procedure code;
  • A Registrar or Sub-Registrar appointed under Indian Registration Act;
  • A Gazette Authorities servant;
  • A Police Officeholder non below the rank of Sub-Inspector in-charge of a Police Station;
  • A Postmaster, a departmental Sub-Postmater or an inspector of Post Offices;
  • A Class-I Officer of the Reserve Bank of India, an officer (including Class II Officeholder) of the State Banking company of India or of its subsidiary
  • A Pensioned Officer who, before retirement, exercised the powers of a magistrate
  • A Justice of Peace
  • A Block Evolution Officeholder, Munsif, Tehsildar or Naib Tehsildar
  • A Caput of Village Panchayat, Gram Panchayat, Gaon Panchayat or an Executive Commission of a Village
  • A Member of Parliament, of State legislatures or of legislatures of Spousal relationship Territory Governments/Administrations
  • Treasury Officer.

In the case of a pensioner cartoon his alimony through a Public Sector Banking concern the Life Document may be signed by an officer of a Public Sector Banking company.

In the case of pensioner residing abroad and drawing his pension through whatever other Depository financial institution included in the Second Schedule to the Reserve Bank of India, Act, 1934, the Life Certificate may be signed past an officeholder of the Banking company.

Further, a pensioner not resident in India in respect of whom his duly authorized amanuensis produces a Life Document signed by a Magistrate, a Notary, a Broker or a Diplomatic Representative of Republic of india is exempted from special appearance.

Ans: NRI pensioner needs to submit a declaration at the pension paying branch that he/she is an NRI. On the footing of declaration the existing account will exist converted into a Non Resident - Ordinary (NRO) account ( a type of account for NRI) and NRI pensioner need to transport a life certificate every twelvemonth in the month of November to his/her pension paying branch.

Credit of alimony to NRE Savings bank / Electric current account

RBI permits NRIs/PIOs to credit their electric current income like pension paid by whatever authority in Bharat to their NRE Saving Banking company/ Electric current Account, provided the Authorised Dealer is satisfied that the credit represents current income and Income-Tax has been deducted / paid / provided on these incomes, as the case may be.

NRI / PIO customers interested in receiving their monthly pension in NRE Savings Bank / Current Account, have to submit 'NRE Tax Undertaking' (for the format please contact to the pension paying Branch) to initiate the process. The undertaking has to be submitted in the month of Nov every year along with 'Life Certificate'

Ans: In the case of a pensioner residing abroad, the following methods are available for submission of life certificates ( equally per DoPPW OM dated twenty.02.2020).

  1. If he/she is cartoon alimony through whatever bank included in the 2nd Schedule to the Reserve Depository financial institution of Bharat Act, 1934, the life certificate may be signed by an officer of the Bank at the strange offices.
  2. An authorized official of the Embassy of India/ Loftier Committee of India/Indian Consulates may issue the life certificate.
  3. In case the pensioner is unable to visit the Embassy/ Consulate, he/she may submit requisite documents past postal service to the Embassy/Consulate, including Doctor'south Certificate showing the pensioner'southward inability to nowadays himself/herself in person. Embassy of India/ High Commission/ Indian Consulates may besides assist pensioners/family pensioners in submission of the Life Certificate.
  4. A Pensioner, not resident in Republic of india, in respect of whom a duly authorized amanuensis produces a Life Document, signed by a magistrate or an officeholder of an Indian authorized Banking company or Diplomatic Representative of India, is exempted from special appearance.

Ans: The Ministry building/Department/Office where the Government servant last served is the pension sanctioning authority. The pension fixation is made by such authority for the get-go time and thereafter the re-fixation of pay, if any, is done by the pension paying Bank based on the instructions from the Primal/ State Government regime.

Ans: The concerned pension paying/sanctioning regime of the Ministries/ Departments/Country Governments forrard the PPOs to the Depository financial institution where from the pensioner desires to draw his/her pension.

Ans: The payment of alimony, in respect of PPOs received at Centralized Pension Processing Prison cell (CPPC) upwardly to one week before last appointment of a month, volition unremarkably commence from the same month.

Ans: Payment of arrears, on account of revision of pension etc., received at Centralized Pension Processing Cell (CPPC) of the Bank upwards to one calendar week before last date of a month, volition normally be made along with monthly pension.

Ans: Whenever whatsoever additional relief on pension/family pension is sanctioned by the Government, the same is intimated to the agency banks for issuing suitable instructions to their pension paying branches for payment of relief at the revised rates to the pensioners without any delay. The orders issued by Govt. Departments are also hosted on their websites and banks have been advised to sentinel the latest instructions on the website and deed accordingly without waiting for any further orders from RBI in this regard.

Ans:The pensioner tin visit the Official Website of the concerned Authorities Section as also Reserve Banking concern of India Website (www.rbi.org.in) to become the information about pension related issues.

Ans: Yes, monthly pension sideslip is automatically sent to the pensioner's eastward-Mail service ID if available with the Bank. In other cases alimony slip tin be obtained by the pensioner from any pension paying co-operative.

Ans: To become SMS Pensioner has to visit Pension Paying Branch (Habitation Co-operative) with asking to upload his/her Mobile number in the Pension Application Software.

Pensioner tin can go the details of monthly pension such as Basic Alimony, D.A., Medical Assart, Other Allowances, Commutation, Income Tax, Internet Pension credited and the date of credit along with amount of commutation and gratuity paid through SMS from State Banking company of India on regular ground.

Ans: The pensioner should arroyo any Pension Paying Branch for resolution and help. The Branch volition attend to it, with on-line help from the CPPC, if needed.

Ans: The details for a twelvemonth would be provided to the Pensioner past the Pension Paying Branch past obtaining the details from the centralized database and as well bachelor at web portal "Pension Seva. SBI".

Ans: Alimony Seva website for pensioners:

A new website https://www.pensionseva.sbi for Govt. and Democratic Bodies pensioners was launched on 31.08.2018 wherein pensioners can login and view their pension details. For availing this facility, showtime the e-mail id of the pensioner should be registered in the Pension Application. In one case e-mail ID is updated to the pension account in the Pension Awarding, Pensioner can register in the Pension Seva website. The process for 1 fourth dimension registration is provided under the "How Do I" tab in the Pension Seva website. The features bachelor to the pensioner after login are Profile details, Certificate Details, Transactions Credited, Arrear Adding Sheet, Pension Slip, Course 16, Investment Details, etc.

Ans: Aye. The pensioner has right to retain half portion of the PPO for record and whenever there is a revision in the Basic Pension/DR etc. the alimony paying Branch has to call for the pensioner'due south half of the PPO and record thereon the changes according to Government Orders/Notifications and return the same to the pensioner.

Ans: All type of pension to pensioners of Central Govt. and State Govt. etc., (except SBI/IBI pensions) are handled by CPPC. Payment of pension in respect of specific autonomous bodies is also handled, where specifically agreed.

Ans: The concerned Autonomous Body should approach the nearest Co-operative to business firm up and finalize the pension payment arrangements.

Ans: Yes. The pension paying Branch before kickoff of pension obtains an undertaking from the pensioner in the prescribed course for this purpose and therefore, can recover the excess payment made to the pensioner'southward account due to delay in receipt of any cloth information or due to whatever bonafide error. The Bank has as well right to recover the excess amount of alimony credited to the deceased pensioner's business relationship from his/ her legal heirs/nominees.

Ans: Yes. As per Income Taxation Act, TDS is applicable on pension to private male or female & senior citizen except certain categories of inability pension (i.eastward. disability element and service element of a disabled officeholder of the Indian Armed forces) which are exempted.

Ans: The alimony paying Bank is responsible for deduction of Income Tax from pension amount in accordance with the rates prescribed by the Income Tax authorities from time to time. While deducting such tax from the alimony corporeality, the paying Banking concern, on the basis of annunciation submitted by the pensioner, will also let deductions on account of relief to the pensioner available under the Income Tax Act. The paying Branch volition likewise event a document of tax deduction on the prescribed form to pensioner in the month of Apr each year.

Ans: The pensioner should submit the details of investment to Pension Paying Branch.
In this regard, to avert possibility of excess deduction of TDS, It is advisable that pensioner should submit his/her investment & other details related to claiming relief under Income Tax Human action well in advance i.east. at the beginning of Financial Yr. Accordingly the Branch will arrange for deduction of Income Tax and issue a certificate containing details of Income Tax deducted from pension by the Pension Paying Branch.

Ans: The pensioner'due south grievance will be resolved at the Pension paying Branch. On-line help from CPPC will be bachelor to the branch (in case of need). The pensioner is not required to approach CPPC directly.

Ans: In case pensioner need whatsoever clarification regarding their pension payment, the following options are available:

  • SMS "UNHAPPY" to 8008202020
  • Call our dedicated alimony helpline- 1800110009
  • Club online grievance on www.sbi.co.in
  • Telephone call our Contact Centre on 180042503800 or 1800112211
  • Lodge a grievance to gm.customer@sbi.co.in or dgm.customer@sbi.co.in

A pensioner can initially approach the Branch Manager of pension paying Branch and, thereafter, the Head Office of the concerned Banking company for redressal of his/her complaint. They can too arroyo the Banking Ombudsman of the concerned State in terms of Banking Ombudsman Scheme 2006 of the Reserve Banking concern of Republic of india (details bachelor at the Banking company's website world wide web.rbi.org.in) This is applicable only in respect of complaints relating to services rendered by Banks. For other issues the complainant will accept to arroyo the respective pension paying authorization.


Last Updated On : Tuesday, 06-04-2021

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