# EPFO allows EPS-95 pensioners to submit life certificate via Umang app 2026-11-11T08:59:12+00:00 | Technology | Indian Opinion Desk Corroboration: 3 independent outlets The Employees’ Provident Fund Organisation has said EPS-95 pensioners can generate and submit their Digital Life Certificate from home using the Umang app with Aadhaar face authentication, eliminating the need to visit a bank or pension office. The certificate remains valid for one year from the date of submission and can be filed at any time during the year, the EPFO stated on X. CNBC-TV18 notes that the Department of Pension and Pensioners’ Welfare launched the Digital Life Certificate facility in 2014, but November 30 is the usual last date for submission. Pensioners need their Aadhaar number, mobile number linked to Aadhaar, Pension Payment Order details, and the AadhaarFaceRD app installed. The process involves opening the Umang app, searching for Jeevan Pramaan, selecting face recognition, entering pension and personal details, completing Aadhaar OTP verification, and performing a face scan. Once generated, the certificate is stored in the Jeevan Pramaan repository and made available to the pension disbursing agency. Pensioners should renew before expiry to avoid disruption in payments. Update, 11 November 2026: CNBC-TV18 adds that November 30 is the usual last date for submission of life certificates, and that the Digital Life Certificate facility was introduced in 2014 by the Department of Pension and Pensioners' Welfare. The outlet also notes that pension payments may be stopped if the certificate is not submitted within the prescribed period. ## Indian Opinion Analysis All three outlets report the same EPFO advisory about Digital Life Certificate submission via the Umang app with identical factual detail and step-by-step instruction. Livemint and Economic Times focus on the convenience for EPS-95 pensioners, while CNBC-TV18 adds context from the Department of Pension and Pensioners' Welfare about the broader DLC system introduced in 2014. There is no difference in stance or omission among them: the coverage is uniform straight reporting. The key practical takeaway is the flexibility of submission timing, but pensioners should note the annual validity and ensure their Aadhaar-linked mobile number is active before starting the process. ## Coverage Coverage: 3 sources, 3 neutral - livemint.com (neutral report) Straight step-by-step advisory with no editorial slant - economictimes.indiatimes.com (neutral report) Plain procedural guide emphasising pension continuation - cnbctv18.com (neutral report) Adds historical DLC context, otherwise identical wire style This brief was synthesised by AI from the 3 sources linked above, so one read covers every framing they carry. Tags: Aadhaar, Digital Life Certificate, EPFO, EPS-95, Jeevan Pramaan, Umang app Canonical: https://indianopinion.org/epfo-lets-eps-95-pensioners-file-life-certificate-via-umang-app/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/epfo-lets-eps-95-pensioners-file-life-certificate-via-umang-app/#story-in-brief How this brief was made: an AI model read the reports linked above and wrote this summary and analysis, which were published automatically. Published briefs are sampled every hour by an automated quality check; the editor verifies its findings and approves corrections, and corrected briefs carry a dated correction line. Stance labels are editorial classifications of how each outlet framed this story, assigned by the same model, not ratings of the outlets. We do no original reporting. Methodology: https://indianopinion.org/ai-use-policy/