JEEVAN PRAMAAN Digital Life Certificate Analytical Review Reveals High Implementation Success Rates and Achievements
Since its implemention in 2014, over 1.6 crore DLCs have been submitted by over 90 lakh pensioners. 3.01 lakh DLCs were submitted in a single day on 13th Nov, 2017. Peak utilization of the system was observed as 1,205 DLCs per minute on 9 Nov, 2017 at 11:36 AM. Jeevan Pramaan ecosystem has 56 sanctioning authorities and 47 disbursing agencies on board.
Pensioners today can easily generate their life certificates digitally through Jeevan Pramaan portal. The portal was launched by Ministry of Electronics & Information Technology (MeitY), in the year 2014. Central Pension Accounting Office (CPAO), Department of Expenditure, Ministry of Finance issued Correction Slip-22 regarding acceptance of Jeevan Pramaan (Aadhaar enabled Biometric authentication based online submission of Life Certificate) as proof of life for pension processing.
JEEVAN PRAMAAN ECO SYSTEM Jeevan Pramaan ecosystem comprises of four entities; Sanctioning Authorities, Disbursing Agencies, Jeevan Pramaan Centres and Pensioners. The process flow of Digital Life Certificate is depicted in Fig.1
To get pension through Jeevan Pramaan has become easy and now pensioners can get their life certificates at their door-steps. — Shri Ravi Shankar Prasad Union Minister Electronics & IT, Law & Justice
Pensioner submits DLC at Jeevan Pramaan Centre
Central Govt. Pensioner Defence Pensioner Railway Pensioner P&T Pensioner State Govt. Pensioner PSU Pensioner CSC Centres NIELIT Centres Banks/ EPFO NIC Offices Jeevan Pramaan Portal DLC Generation DLC status Banks DPDO offices Head Post Offices EPFO offices State Govt. District Treasuries/ Sub Treasuries DLC is pushed to PDA PDA pushes back to DLC At home by using PC/ Mobile & attaching biometric device and Internet
Fig.1 - Process-Flow of Digital Life Certificate (DLC)
• Sanctioning Authority issues PPO (Pension Payment Order) to pensioner at the time of retirement, and issues necessary orders for acceptance of Jeevan Pramaan to the Disbursing Agencies.
• Pension Disbursing Agencies are the consumers of DLCs generated at the Jeevan Pramaan portal. These are downloaded/ accessed by the respective agencies for necessary processing and release of pension.
NOV’17 - 18 MAR’18 Maharashtra State Treasury 1% Post Office 1% Others 2% Bank 18% EPFO 78%
Fig 4 - Represents major Disbursing Agencies responsible for DLC processing for the period Nov’17 - Mar’18
Fig. 2 - Major Sanctioning Authorities for DLC submission during Nov’17—Mar’18
• Jeevan Pramaan Centres are either self-created or created by organizations. These are centres where pensioners would visit for generation or submission of their DLCs. These centres include CSCs, Banks, Pension Societies, Post Offices, EPFO Offices etc.
• Pensioner is the real beneficiary of the Jeevan Pramaan System. 1.2 Crore DLCs have been successfully processed since the online portal got launched. 90.23 lakh unique pensioners have submitted their DLC and 74.42 lakh pensioners have successfully credited pension to their account till March, 2018.
Analysis of Pensioner Composition form Previous Cycles for Nov'17-Mar'18
Pensioners from Nov’14-Oct’15 49,748
Pensioners who used the system in 1st and 3rd year both - 89,160
Existing Pensioners 45,55,853
Pensioners who used the system in 1st and 2nd year both - 5,834
Pensioners from Nov’15-Oct’16 79,084
Pensioners who used the system in all years - 24,784
Pensioners from Nov’16-Oct’17 38,45,551
Pensioners who used the system in 2nd and 3rd year both - 4,61,692
New Pensioners 17,91,363
New Pensioners in Nov’17-Mar’18 17,91,363
Total DLC submission- 70,34,694 Unique Aadhaar- 63,47,216 Nov’17-Mar’18
Fig. 3 - New and existing pensioners for the current cycle. Existing pensioners are ones who have used Jeevan Pramaan in previous years while new pensioners are ones who have used Jeevan Pramaan for the first time during Nov’17 - Mar’18
PEAK MONTH ANALYSIS FOR NOV’17-MARCH’18
November is the month when pensioners are generally expected to submit their DLC. The inflow of DLC during Nov’17 was analyzed to see the behavior of DLC submissions during this period.
48.97 lakh DLCs were generated in the month of Nov’17. Highest volume of DLCs in a day (3.01 lakh) were seen to be generated on 13th Nov,17 as in Fig.6.
After data analysis, it was found that highest DLC submission in an hour was done between 11:00-12:00 am on 9th Nov, 17. 61,263 pensioners had submitted DLC in during this period reflecting that system was utilized highest in this hour.
Year
80,00,000 76,26,712
70,00,000 70,34,694
Pension Released
17%
12%
60,00,000
Rejected
11%
9%
DLC Submitted
50,00,000
Ack. Not Received
40,00,000
72%
79%
30,00,000
20,00,000
11,21,838
10,00,000
6,00,088
10%
18%
12%
16%
72%
72%
0 Nov’14-Oct’15 Nov’15-Oct’16 Nov’16-Oct’17 Nov’17-Mar’18
Fig. 5 -Summary of total DLC transaction since inception of Jeevan Pramaan
ANALYSIS OF DLC PROCESSED BY DISBURSING AGENCIES FOR NOV’17-MARCH’18
EPFO, Banks, State Treasuries, Post Offices are important disbursing agencies. These institutions receive heavy volume of DLCs every year.
DLC success rate is near 72% in most of the years, while it has jumped to 78% for the current cycle. All processing figures are based on date of acknowledgement received.
TYPES OF SANCTIONING AUTHORITIES ONBOARD FOR JEEVAN PRAMAAN STATE & UTS State Government
• Andhra Pradesh • Arunachal Pradesh • Chhattisgarh • Goa • Gujarat • Haryana • Himachal Pradesh • Jammu & Kashmir • Jharkhand • Karnataka • Kerala • Madhya Pradesh • Maharashtra • Manipur • Mizoram • Odisha • Puducherry • Punjab • Rajasthan • Tamil Nadu • Telangana • Tripura • Uttar Pradesh Union Territory • Andaman and Nicobar • Daman Diu • Lakshadweep
Fig. 6 - Highest volume of DLCs in a day (3.01 lakh) which were seen to be generated on 13th Nov’17
Highest DLC submission per minute on 9th Nov’17
1200 1205
1157
1149
1117
1119
1120
1087
1097
1006
1007
1000
983
914
DLC Generated
969
979
800
811
795
600
400
200
0 0 4 8 12 16 20 27 34 35 36 37 38 44 50 52 56 59
Minutes
Fig. 7 - Peak submission per minute during the peak hour on 9th Nov’17. 1,205 DLCs per minute were submitted at 11:36 am
DLC Processed - Disbursing Agencies Nov’17 - Mar’18
EPFO Total DLCs Processed- 43,01,423
Same day
50%
90%
32 days
57 days
141 Days 1
DLC Processed
State Treasury Maharashtra Total DLCs Processed- 57,341
Same day
178
50%
90%
36 days
54 days
114 Days 1
State Treasury Uttar Pradesh Total DLCs Processed- 48,066
Same day
15,129
52%
71%
2 days
8 days
137 Days 1
Post Office Total DLCs Processed- 51,768
Same day
15,556
55%
70%
3 days
9 days
139 Days 32
Banks Total DLCs Processed- 9,71,174
Same day
11,908
52%
96%
3 days
59 days
141 Days 2
Above DLC processed figures are based on date acknowledgement received
Fig. 8 -Performance of different Disbursing Agencies varies with one another and is correlated to the volume of DLCs received by them in a given period for processing. It is also found that all these agencies process most of the DLCs submitted to them
CENTRAL GOVERNMENT SANCTIONING AUTHORITY
• Central Government • Railway • Postal • Telecom • Ministry of Culture - Artistes Pension • Scheme • Defence - PCDA (P) Allahabad • Defence - Jt.CDA (AF), Subroto Park, • Delhi • Defence - PCDA (Navy) Mumbai
PSU’s & OTHER SANCTIONING AUTHORITIES
• Banking Staff • Oil and Natural Gas Corporation • Limited • Life Insurance Corporation of India • Coal Mines Provident Fund • Organisation • Paradip Port Trust • Mumbai Port Trust • Chennai Port Trust • Cochin Port Trust • IIT Madras • NCERT New Delhi • New Mangalore Port Trust • Deendayal Port Trust (Kandla) • Mahatma Gandhi University, Kerala • Visakhapatnam Port Trust • Sahitya Akademi • V O Chidambaranar Port Trust • Mormugao Port Trust • Haldia Dock Complex • Sree Chitra Tirunal Institute for • Medical Sciences • EPFO • Municipal Corpn. of Greater Mumbai • Ulhasnagar Municipal Corporation • Port Blair Municipal Council • New Delhi Municipal Council