1. Who is a beneficiary under the NPS – Additional Relief Scheme (NPS-AR)? What
is the benefit under NPS- Additional Relief Scheme?
Pension is sanctioned in case of death/disability of Government Employees who
joined Government of India service on or after 1st January 2004 and were covered
under the New Pension Scheme. This is payable to the spouse/family pensioner of
the deceased Government employee or to the disabled Government employee. The
additional relief is in the form of provisional pension on defined benefit lines
and as an interim relief till the finalization of pending issue of Rules&
Regulations for the New Pension Scheme.
Q. 2. What is the Provisional Pension Payment Order (PPPO) under NPS- Additional
A PPPO is a Provisional Pension Payment Order for Disbursement of pension
provisionally under NPS- Additional Relief Scheme. It is issued in triplicate
(three copies) by the pension sanctioning Ministry, Where the Government
employee was working:-
i. Disburser’s Copy (First) retained in CPAO, as the Disbursing Authority;
ii. Pensioner’s Copy (Second); and
iii.Bank’s Copy (Third – not for payment )for information to the pension account
holding branch (referred to as ‘Pension Account Holding Bank Branch’ below)
This PPPO number is to be quoted in all correspondence as this is the key
3. How is the benefit under NPS- Additional Relief Scheme disbursed?
The monthly provisional pension is paid direct to the bank account of
pensioner/family pensioner electronically by the Central Pension Accounting
4. How will the pensioner receive copy of the Provisional Pension Payment Order
The Pensioner’s portion shall be handed over by Pension Account Holding Bank
Branch at the time of first time identification process (Please refer to Q.5&6
5. When and how will provisional pension commence?
a. After Ministry has sanctioned the provisional pension, PPPO will be sent to
b. CPAO will scrutinize the same and forward the pensioner’s copy and the bank’s
copy by Speed Post to Pension Account Holding Bank Branch with an endorsement to
pensioner by Speed Post.
c. On receipt of the same, Pension Account Holding Bank Branch will call
pensioner for the first time identification and will hand over pensioner’s copy
of the PPPO. They will report back electronically to CPAO to disburse the
pension each month thereafter.
d. In case pensioner do not receive a call from the Pension Account Holding Bank
Branch for completion of the first time identification process after pensioner
receive the endorsement of CPAO’s letter to bank enclosing PPPOs, pensioners are
to present themselves for identification in the bank along with the papers
6. What is the first time identification process?
a. The beneficiary has to visit the Pension Account Holding Branch for
commencement of the provisional pension. The beneficiary would be required to
produce his/her copy of the authority letter to the bank received from CPAO
sanctioning the pensionary benefits,
photographs and specimen signatures available in the PPPO booklet (Bank’s Copy)
and obtain the same specimen signatures once again in the Bank’s Copy in the
space provided for record.
the beneficiary’s copy of the PPPO booklet.
the first time identification and for the payment of provisional pension payment
beneficiary on an undertaking authorizing recovery of overpayments as per para
12.3 of the Scheme for Payment of Pensions.
7. How many days are given to Pension Account Holding Bank Branch to complete
the first time identification process of the pensioner?
The Pension Account Holding Bank Branch should invite the pensioner for
identification, complete the process and communicate the completion of the
identification process to CPAO within seven days from the receipts of the PPPO.
The first time identification can also be electronically intimated by banks to
CPAO at npsdbs-exp [at] nic.in or fax at 011-26162083.
8. What are Pensioner’s responsibilities for facilitating regular payment of
a. Pensioner’s have to collect copy of the PPPO after first time identification
and retain it in safe custody.
b. Pensioner’s have to submit Life Certificate in the month of November every
payment if any, on account of delay in receipt of any material information or
due to any bonafide error at first time identification stage.
applicable, in the month of November along with the Life Certificate.
with bank branches which are – Real Time Gross Settlement (RTGS)/National
Electronic funds Transfer System (NEFT) – enabled, and which have Core Banking
solutions (CBS) facility.
pension account holding branch and CPAO at the address given below immediately.
h. In case pensioners want to shift their bank accounts to another bank branch
of the same bank or another bank, they have to apply to the Branch Manager of
present pension account holding branch, with a copy to CPAO.
9. Whether the pensioner is allowed to open a joint account? If yes, with whom.
a. Yes, Pensioners may open joint account with spouse (husband/wife only) to
whom family pension is authorized in the PPPO in the event of death.
10. Who is responsible for the issuance of pension slip, annual statements of
income tax deducted and due drawn statements in respect of pension/arrear
payment to the pensioner/family pensioner?
a. CPAO is responsible for the issuance of pension slip, annual statements of
income tax deducted and due-drawn statements. These statements shall be made
available to pensioner/family pensioner through their pension account holding
branch on request.
b. Annual Statement of Income Tax deducted will be sent by Speed Post annually
11. Is the identification of pensioner done by bank one time process i.e. only
at the time of commencement of pension?
No, fresh identification is required when the pensioner/family pensioner
transfers the pension account from one bank branch to another (within the same
bank) or another different bank branch. Pensioners also have to submit Life-
Certificate every year in the month of November to the pension account holing
branch, which in turn must forward the same to CPAO through e-mail/fax/speed
12.To whom pensioner/family pensioner can contact in CPAO for any
Pensioner may directly write to CPAO at the following address:
Q. 13. Whom should pensioners/ family pensioners approach if they have any
A. a. Pensioners may approach their pension account holding branch which in
turn shall forward their grievances to CPAO.
b. Pensioners may directly write to CPAO at the following address or contact
by phone or e-mail:
redressed within 15 days, they may forward their grievances to CPAO at the
following address, by post or e-mail or phone: