India Post Payments Bank and the Employees’ Provident Fund Organisation have signed a major agreement in November 2025 that brings a massive breakthrough for EPS-95 pensioners across the country. With this partnership, pensioners no longer need to visit banks or EPFO offices every year to submit their Life Certificate. Instead, postmen and Gramin Dak Sevaks will now visit their homes and generate the Digital Life Certificate on the spot using Aadhaar-based biometric verification. This doorstep service marks a significant improvement in convenience, especially for elderly citizens who face difficulty in traveling long distances.
What Changed After the November 2025 Agreement
The agreement signed on 3 November 2025 officially authorizes India Post to offer Digital Life Certificate services through its nationwide postal network. With more than 1.65 lakh post offices and over three lakh field personnel, India Post can reach remote rural households and ensure that pensioners do not struggle to complete mandatory annual formalities. EPFO has also confirmed that the cost of this service will be covered by the organization, which means pensioners will receive the doorstep benefit free of charge.
How Pensioners Will Get Digital Life Certificate at Home
Under the new system, pensioners simply need to contact their local postman or visit the nearest post office to request a home-visit service. Once the request is placed, a postal employee will arrive at the pensioner’s home and complete Aadhaar-based biometric authentication using a handheld device. The Digital Life Certificate will be generated instantly and uploaded to the EPFO system. Pensioners will receive an SMS confirmation and can also check the certificate status online. This doorstep model eliminates queues, travel expenses, and medical discomfort for senior citizens.
Why This India Post–EPFO Partnership Matters
The new service comes as a major relief for EPS-95 pensioners who have long demanded simpler and more accessible pension procedures. Many elderly retirees, especially those living in rural and semi-urban areas, struggle with mobility issues or lack easy access to EPFO offices. With the involvement of India Post, pensioners benefit from one of the country’s strongest last-mile service networks. The initiative also aligns with the Digital India vision, making government services more streamlined, secure, and citizen-centric.
Who Will Benefit the Most
This doorstep Digital Life Certificate service is designed for EPS-95 pensioners under the Employees’ Pension Scheme. Senior citizens who face health challenges, mobility limitations or live far from banking facilities will see the greatest impact. By allowing them to complete their annual verification from home, the system ensures timely pension credit without interruptions and reduces dependency on others for travel or documentation.
What to Expect in the Coming Months
The EPFO is expected to expand this service nationwide in phases over the next few months. More digital and doorstep services may also be introduced as both institutions strengthen their collaboration. Experts believe that India Post’s digital infrastructure and massive reach could help modernize many other pension-related processes in the future, including KYC updates, pension queries, and digital verification support.
Conclusion: The India Post–EPFO agreement marks a landmark transformation in India’s pension delivery system. By allowing Digital Life Certificates to be issued directly at home, the government has taken a major step toward making pension services more accessible, efficient, and senior-citizen friendly. As the service expands across India, millions of EPS-95 pensioners will benefit from faster and easier annual verification—without stepping out of their homes.
Disclaimer: This article is based on publicly available information and official announcements. Pensioners should always refer to EPFO and India Post’s official notifications for final rules, instructions, and eligibility details.
