Overview On November 3, 2025 , India Post Payments Bank (IPPB) , a 100% Government of India -owned entity under the Department of Posts, Ministry of Communications , signed a Memorandum of Understanding (MoU) with the Employees' Provident Fund Organisation (EPFO) , Ministry of Labour & Employment . The collaboration aims to provide doorstep Digital Life Certificate (DLC) services to pensioners under the Employees' Pension Scheme, 1995 (EPS'95) . Key Developments MoU Exchange and Event The MoU was exchanged between Shri. R Viswesvaran, MD & CEO, IPPB , and Shri Ramesh Krishnamurthi, Central Provident Fund Commissioner (CPFC), EPFO , during the 73rd Foundation Day of EPFO . The event was graced by Dr. Mansukh Mandaviya, Union Minister for Labour & Employment and Youth Affairs & Sports , as Chief Guest, along with other dignitaries. Doorstep DLC Service Under this collaboration, IPPB will utilize its extensive network of over 1.65 lakh Post Offices and 3 lakh+ postal service providers (Postmen and Gramin Dak Sevaks) equipped with Doorstep Banking devices. The service will employ digital processes, including Face Authentication technology and Fingerprint biometric authentication , to assist EPFO pensioners in submitting their Digital Life Certificates conveniently from their homes. Cost and Accessibility EPFO will bear the entire cost of issuing Digital Life Certificates , making the service free for its pensioners. This eliminates the need for pensioners to visit bank branches or EPFO offices to submit traditional paper-based certificates. IPPB's Perspective Shri R Viswesvaran, MD & CEO, IPPB , stated that this partnership reinforces IPPB’s mission to bring essential financial and citizen services to every doorstep in India. He emphasized that EPFO pensioners, especially in rural and semi-urban areas, will now be able to complete their life certificate submission seamlessly, with dignity and convenience. The initiative aligns with the Government of India’s ‘Digital India’ and ‘Ease of Living’ vision. Background: IPPB's DLC Service India Post Payments Bank (IPPB) introduced the Doorstep Service of Digital Life Certificate in 2020 for generating JeevanPramaan for pensioners using Aadhaar enabled biometric authentication. This initiative aimed to reduce the turnaround time for issuance of JeevanPramaan . Process for Pensioners Pensioners need to contact their Postman/ Gramin Dak Sevak or visit their nearest Post Office, provide their Aadhaar number and pension details, and authenticate the request through Aadhaar linked Face Authentication or Fingerprint biometric authentication. Upon completion, a confirmation SMS will be sent to the pensioner's mobile number, and the certificate can be viewed online at https://jeevanpramaan.gov.in/v1.0/ the next day. About India Post Payments Bank (IPPB) India Post Payments Bank (IPPB) was established under the Department of Posts, Ministry of Communication , with 100% equity owned by the Government of India . Launched on September 1, 2018 , IPPB aims to be the most accessible, affordable, and trusted bank for the common man in India. Its mandate is to remove barriers for the unbanked & underbanked and reach the last mile, leveraging the Postal network comprising approximately 1,65,000 Post Offices (approximately 140,000 in rural areas) and approximately 3,00,000 Postal employees . IPPB's Operating Model IPPB’s reach and operating model are built on the key pillars of India Stack , enabling Paperless, Cashless, and Presence-less banking in a simple and secure manner at the customers' doorstep through a CBS -integrated smartphone and biometric device. Leveraging frugal innovation and focusing on ease of banking, IPPB delivers simple and affordable banking solutions through intuitive interfaces available in 13 languages to 11 Crore customers across 5.57 lakh villages & towns in India. Commitment to Digital India IPPB is committed to providing a fillip to a less cash economy and contributing to the vision of Digital India . The bank's motto is: Every customer is important, every transaction is significant, and every deposit is valuable. UPSC Relevance This news is relevant to GS2 (Government Policies and Interventions) and GS3 (Economy, Inclusive Growth) . It highlights the government's efforts to promote financial inclusion and improve the ease of living for senior citizens through digital initiatives. The collaboration between IPPB and EPFO showcases the use of technology to deliver essential services to pensioners, especially in rural areas. Important Facts for UPSC IPPB is 100% owned by the Government of India . IPPB was launched on September 1, 2018 . IPPB leverages a network of over 1.65 lakh Post Offices and 3 lakh+ postal service providers . The DLC service utilizes Face Authentication and Fingerprint biometric authentication . EPFO will bear the cost of issuing Digital Life Certificates .