Right to Information Wiki - pension

Atal Pension Yojana (APY) — pension issues + RTI (2026)

anonymous@undisclosed.example.com (Anonymous) — Sun, 26 Apr 2026 01:52:12 +0000

2026/05/02 08:27	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(atal pension yojana delay, apy pension issue, apy rti)
	+	metatag-description=(APY pension: Rs 1K-5K/month after 60. Issues: contribution failure, exit, pension calculation. RTI to PFRDA.)
	+	}}

	+	====== Atal Pension Yojana (APY) — pension issues + RTI (2026) ======
	+
	+	{{ :social:auto:pension-atal-pension-delay.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: APY managed by PFRDA. Auto-debit failure = penalty. Pension begins on 60th birthday. Pre-60 exit limited (terminal illness / death). RTI for issues.
	+	</WRAP>
	+
	+	===== Key facts =====
	+	* APY: 5 pension tiers (Rs 1K-5K/month)
	+	* Auto-debit from bank
	+	* Govt 50% co-contribution (till 2020)
	+	* Spouse continuation post-death
	+	* Pre-60 exit: only terminal illness / death
	+
	+	===== Step-by-step process =====
	+	- Auto-debit from bank monthly — Insufficient balance: penalty Rs 1/day.
	+	- Annual statement from bank — Track contributions.
	+	- Pension begins on 60th birthday — Direct credit.
	+	- Spouse continues post-subscriber-death — Or full corpus to nominee on both deaths.
	+	- Pre-60 exit: limited — PFRDA approval.
	+	- RTI for delays / disputes — PFRDA + bank.
	+
	+	===== Documents needed =====
	+	* APY enrolment ID
	+	* Aadhaar
	+	* Bank account
	+
	+	===== Common issues + how to handle =====
	+	* Auto-debit failed — bank balance issue; corpus reduces.
	+	* Pension calculation dispute — RTI to PFRDA.
	+	* Pre-60 exit denied — RTI for PFRDA criteria.
	+	* Spouse not getting post-death — RTI for nominee policy.
	+
	+	===== If stuck — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of resolution / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the AI RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Pension guaranteed? ====
	+	Yes — government guarantees minimum.
	+
	+	==== Pre-60 exit? ====
	+	Only terminal illness / death. PFRDA approval.
	+
	+	==== Tier upgrade? ====
	+	Yes — once a year, April-September.
	+
	+	==== Pension begins when? ====
	+	On 60th birthday. Auto-credit.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: APY managed by PFRDA. Auto-debit failure = penalty. Pension begins on 60th birthday. Pre-60 exit limited (terminal illness / death). RTI for issues. If delayed beyond statutory timeline, file an RTI — most cases clear within 15 days.
	+
	+	* AI RTI Drafter: [[:citizen-rti-playbook\|Auto-fill PIO + your case]]
	+	* Browse all pension guides: [[:pension:start\|Index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:pension:start\|All pension guides]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>pension atal-pension-delay citizen-services rti-fallback}}

EPS-95 pension delay — RTI to EPFO (2026 guide)

anonymous@undisclosed.example.com (Anonymous) — Sun, 26 Apr 2026 01:52:12 +0000

2026/05/02 08:27	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(eps 95 pension, eps pension delay, epfo pension delay, eps 95 rti)
	+	metatag-description=(EPS-95 pension delay: PPO not issued, calculation dispute, transfer issues. RTI to EPFO RPFC.)
	+	}}

	+	====== EPS-95 pension delay — RTI to EPFO (2026 guide) ======
	+
	+	{{ :social:auto:pension-eps-95-pension-delay.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: EPS-95 (Employees' Pension Scheme 1995): pension after 58. PPO (Pension Payment Order) issued post-retirement. Delay > 60 days = file complaint + RTI.
	+	</WRAP>
	+
	+	===== Key facts =====
	+	* EPS-95 covers ~6 crore EPFO members
	+	* Pension formula: Average Salary × Pensionable Service / 70
	+	* Higher Pension option (post-2022 SC ruling): re-calculation possible
	+	* PPO statutory in 60 days post-retirement
	+	* RTI to RPFC under §6(1)
	+
	+	===== Step-by-step process =====
	+	- Submit pension claim Form 10D — At RPFC office.
	+	- Documents: PF passbook + Aadhaar + bank account — Plus retirement letter.
	+	- Verification + PPO issuance — 60 days statutory.
	+	- Pension credit to bank — Monthly.
	+	- Higher Pension option calculation — If applicable, separate process.
	+	- RTI for delay / calculation — If > 60 days.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* PF passbook + UAN
	+	* Bank account (Aadhaar-linked)
	+	* Retirement letter + service certificate
	+
	+	===== Common issues + how to handle =====
	+	* PPO not issued > 60 days — RTI to RPFC for status + delay reason.
	+	* Pension calculation appears wrong — RTI for calculation worksheet + applied formula.
	+	* Higher Pension option pending > 6 months — RTI for calculation status (post-SC 2022 ruling).
	+	* Bank account de-linked — visit bank for NPCI re-mapping.
	+
	+	===== If stuck — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of resolution / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the AI RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== PPO issuance time? ====
	+	60 days statutory. RTI if delayed.
	+
	+	==== Higher Pension option? ====
	+	Post-2022 SC ruling. Calculation in batches; RTI for your queue position.
	+
	+	==== Pension formula? ====
	+	Avg Salary × Pensionable Service / 70. RTI for your specific calculation.
	+
	+	==== Pension delayed > 90 days? ====
	+	File RTI to RPFC + Higher RPFC. Use AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: EPS-95 (Employees' Pension Scheme 1995): pension after 58. PPO (Pension Payment Order) issued post-retirement. Delay > 60 days = file complaint + RTI. If delayed beyond statutory timeline, file an RTI — most cases clear within 15 days.
	+
	+	* AI RTI Drafter: [[:citizen-rti-playbook\|Auto-fill PIO + your case]]
	+	* Browse all pension guides: [[:pension:start\|Index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:pension:start\|All pension guides]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>pension eps-95-pension-delay citizen-services rti-fallback}}

State government pension — issues + RTI (2026 guide)

anonymous@undisclosed.example.com (Anonymous) — Sun, 26 Apr 2026 01:52:12 +0000

2026/05/02 08:27	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(state government pension, state pension delay, state pension rti)
	+	metatag-description=(State govt employee pensions: OPS (Old Pension Scheme) for pre-2004 hires; NPS for post-2004. State-specific issues.)
	+	}}

	+	====== State government pension — issues + RTI (2026 guide) ======
	+
	+	{{ :social:auto:pension-government-pension-state.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: State govt pension governed by state Pension Rules. Pre-2004 hires: OPS (defined benefit). Post-2004: NPS. Delays / disputes: RTI to State Pension Department.
	+	</WRAP>
	+
	+	===== Key facts =====
	+	* State pension rules vary
	+	* OPS (pre-2004): defined benefit, employer-funded
	+	* NPS (post-2004): contribution-based, market-linked
	+	* Some states reverting to OPS (2023+)
	+	* RTI to State Pension Office under state RTI Act
	+
	+	===== Step-by-step process =====
	+	- Submit pension claim post-retirement — Form 10 (state-specific).
	+	- Verification + PPO issuance — 60 days statutory.
	+	- Monthly pension credit — Bank account.
	+	- OPS vs NPS choice (some states) — State-specific reversal options.
	+	- Family pension on death — Apply within 3 months.
	+	- RTI for delays / calculation — State Pension Office.
	+
	+	===== Documents needed =====
	+	* Service certificate
	+	* Aadhaar
	+	* Bank account
	+	* Retirement order
	+
	+	===== Common issues + how to handle =====
	+	* PPO delayed > 60 days — RTI to State Pension Office.
	+	* OPS reversal pending — RTI for state policy + queue.
	+	* Family pension delayed — RTI for verification status.
	+	* Calculation dispute — RTI for formula application.
	+
	+	===== If stuck — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of resolution / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the AI RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== OPS or NPS — which? ====
	+	State + joining date dependent. RTI for your specific category.
	+
	+	==== Family pension rate? ====
	+	50% of last salary typically. State-specific.
	+
	+	==== Pension delayed > 90 days? ====
	+	File RTI. Use AI RTI Drafter.
	+
	+	==== Higher Pension option (state)? ====
	+	Post-2022 SC ruling on EPS-95. State govt similar but state-specific.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: State govt pension governed by state Pension Rules. Pre-2004 hires: OPS (defined benefit). Post-2004: NPS. Delays / disputes: RTI to State Pension Department. If delayed beyond statutory timeline, file an RTI — most cases clear within 15 days.
	+
	+	* AI RTI Drafter: [[:citizen-rti-playbook\|Auto-fill PIO + your case]]
	+	* Browse all pension guides: [[:pension:start\|Index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:pension:start\|All pension guides]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>pension government-pension-state citizen-services rti-fallback}}

NPS pension issues — withdrawal, annuity, RTI (2026 guide)

anonymous@undisclosed.example.com (Anonymous) — Sun, 26 Apr 2026 01:52:12 +0000

2026/05/02 08:27	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(nps pension, nps withdrawal, nps annuity, npscra rti)
	+	metatag-description=(NPS issues: pre-mature withdrawal, annuity selection, exit at 60. RTI to PFRDA / NPSCRA.)
	+	}}

	+	====== NPS pension issues — withdrawal, annuity, RTI (2026 guide) ======
	+
	+	{{ :social:auto:pension-nps-pension-issues.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: NPS at maturity (age 60): 60% lump-sum + 40% annuity (mandatory). Pre-mature exit allowed in limited cases. PFRDA regulates.
	+	</WRAP>
	+
	+	===== Key facts =====
	+	* NPS Tier 1: lock-in till 60
	+	* Tier 2: no lock-in
	+	* At 60: 60% lump-sum + 40% annuity (mandatory)
	+	* 7 ASPs (Annuity Service Providers) for annuity
	+	* Pre-mature exit: terminal illness / death / first-home / marriage
	+
	+	===== Step-by-step process =====
	+	- At 60: submit exit form to POP — Online via eNPS.
	+	- Choose ASP for annuity — 7 providers (LIC, HDFC, ICICI, etc.).
	+	- Lump-sum to bank — Tax-free.
	+	- Annuity begins immediately — Lifelong pension.
	+	- Pre-mature withdrawal: specific events only — PFRDA approval needed.
	+	- RTI for delays — PFRDA + NPSCRA.
	+
	+	===== Documents needed =====
	+	* PRAN (Permanent Retirement Account Number)
	+	* PAN
	+	* Bank account
	+	* Aadhaar
	+
	+	===== Common issues + how to handle =====
	+	* Exit form delayed — RTI to NPSCRA.
	+	* Annuity selection limited — only 7 ASPs; choose at maturity.
	+	* Pre-mature withdrawal denied — RTI for criteria.
	+	* Pension annuity rate dispute — RTI to ASP.
	+
	+	===== If stuck — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of resolution / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the AI RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Lump-sum tax-free? ====
	+	Yes — 60% lump-sum is tax-exempt at withdrawal.
	+
	+	==== Annuity rate? ====
	+	Set by ASP at purchase. RTI for current rates.
	+
	+	==== Multiple ASPs comparison? ====
	+	Annuity rates vary 2-5% across ASPs. Compare before choosing.
	+
	+	==== Exit pre-60? ====
	+	Limited: terminal illness, death, first-home, child marriage. PFRDA approval.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: NPS at maturity (age 60): 60% lump-sum + 40% annuity (mandatory). Pre-mature exit allowed in limited cases. PFRDA regulates. If delayed beyond statutory timeline, file an RTI — most cases clear within 15 days.
	+
	+	* AI RTI Drafter: [[:citizen-rti-playbook\|Auto-fill PIO + your case]]
	+	* Browse all pension guides: [[:pension:start\|Index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:pension:start\|All pension guides]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>pension nps-pension-issues citizen-services rti-fallback}}

NSAP pension delay (Old Age, Widow, Disability) — RTI (2026)

anonymous@undisclosed.example.com (Anonymous) — Sun, 26 Apr 2026 01:52:12 +0000

2026/05/02 08:27	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(nsap pension, indira gandhi old age pension, widow pension delay, nsap rti)
	+	metatag-description=(NSAP pensions: IGNOAPS (60+), IGNWPS (widow), IGNDPS (disabled). Delay or non-credit — RTI to BDO.)
	+	}}

	+	====== NSAP pension delay (Old Age, Widow, Disability) — RTI (2026) ======
	+
	+	{{ :social:auto:pension-nsap-pension-delay.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: NSAP (National Social Assistance Programme): three pensions — IGNOAPS, IGNWPS, IGNDPS. Rs 200-500/month. State adds top-up. Delay > 60 days = RTI.
	+	</WRAP>
	+
	+	===== Key facts =====
	+	* IGNOAPS: Rs 200/month (60-79) / Rs 500 (80+)
	+	* IGNWPS: Rs 300/month for widows
	+	* IGNDPS: Rs 300 (18-79) / Rs 500 (80+) for disabled
	+	* BPL applicants only
	+	* State top-up varies (Rs 300-1,500)
	+
	+	===== Step-by-step process =====
	+	- Apply at Block Office (BDO) — Form + BPL ration card.
	+	- Field verification — 15-30 days.
	+	- Pension card issued — Aadhaar-linked bank account.
	+	- Monthly DBT — Per scheme.
	+	- State top-up automatically added — If applicable.
	+	- RTI to BDO for delay — If > 60 days.
	+
	+	===== Documents needed =====
	+	* Aadhaar
	+	* BPL ration card
	+	* Bank account (Aadhaar-linked)
	+	* Age proof
	+	* Disability cert (IGNDPS)
	+
	+	===== Common issues + how to handle =====
	+	* Pension card not issued > 60 days — RTI to BDO for application status.
	+	* Monthly credit missing — RTI for credit log + bank Aadhaar linkage.
	+	* State top-up not added — RTI for state policy + addition.
	+	* Cancellation without notice — RTI for cancellation order.
	+
	+	===== If stuck — file an RTI =====
	+
	+	Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
	+
	+	<code>
	+	1. Status of my application no. _____ dated _____ as on date.
	+	2. Name + designation of dealing officer assigned to my file.
	+	3. Reasons for delay beyond the statutory timeline.
	+	4. Copy of any noting / movement of my file in the past 30 days.
	+	5. Likely date of resolution / decision.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the AI RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== NSAP universal? ====
	+	No — BPL only. State schemes cover broader.
	+
	+	==== Pension credit when? ====
	+	Monthly. State-specific cycle.
	+
	+	==== Multiple categories — multiple pensions? ====
	+	No — single pension per applicant. Choose highest.
	+
	+	==== Pension delayed > 90 days? ====
	+	File RTI to BDO + State Welfare. Use AI RTI Drafter.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: NSAP (National Social Assistance Programme): three pensions — IGNOAPS, IGNWPS, IGNDPS. Rs 200-500/month. State adds top-up. Delay > 60 days = RTI. If delayed beyond statutory timeline, file an RTI — most cases clear within 15 days.
	+
	+	* AI RTI Drafter: [[:citizen-rti-playbook\|Auto-fill PIO + your case]]
	+	* Browse all pension guides: [[:pension:start\|Index]]
	+	</WRAP>
	+
	+	===== Related =====
	+	* [[:pension:start\|All pension guides]]
	+	* [[:check-status:start\|25 status-check guides]]
	+	* [[:how-to-apply:start\|25 how-to-apply guides]]
	+	* [[:rejection-recovery:start\|16 rejection-recovery guides]]
	+	* [[:helplines:start\|32 helplines + grievance routes]]
	+	* [[:citizen-rti-playbook\|Full RTI Playbook]]
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>pension nsap-pension-delay citizen-services rti-fallback}}

Pension Delays — EPS-95, NPS, NSAP, APY, state govt pension

anonymous@undisclosed.example.com (Anonymous) — Sun, 26 Apr 2026 01:52:12 +0000

2026/05/02 08:27	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(pension delay, eps 95, nps pension, nsap pension, state government pension, pension rti)
	+	metatag-description=(5 pension guides for citizens. With RTI escalation route.)
	+	}}

	+	====== Pension Delays — EPS-95, NPS, NSAP, APY, state govt pension ======
	+
	+	<WRAP info>
	+	5 pension guides — each with direct answer + step-by-step process + RTI escalation template if you get stuck.
	+	</WRAP>
	+
	+	===== Index =====
	+
	+	* [[:pension:eps-95-pension-delay\|EPS-95 pension delay]] — EPS-95 (Employees' Pension Scheme 1995): pension after 58. PPO (Pension Payment Order) issued post-retirement. Delay > 6...
	+	* [[:pension:nps-pension-issues\|NPS pension issues]] — NPS at maturity (age 60): 60% lump-sum + 40% annuity (mandatory). Pre-mature exit allowed in limited cases. PFRDA regula...
	+	* [[:pension:nsap-pension-delay\|NSAP pension delay (Old Age, Widow, Disability)]] — NSAP (National Social Assistance Programme): three pensions — IGNOAPS, IGNWPS, IGNDPS. Rs 200-500/month. State adds top-...
	+	* [[:pension:atal-pension-delay\|Atal Pension Yojana (APY)]] — APY managed by PFRDA. Auto-debit failure = penalty. Pension begins on 60th birthday. Pre-60 exit limited (terminal illne...
	+	* [[:pension:government-pension-state\|State government pension]] — State govt pension governed by state Pension Rules. Pre-2004 hires: OPS (defined benefit). Post-2004: NPS. Delays / disp...
	+
	+	===== Stuck? File an RTI =====
	+	Every page above ends with an RTI escalation template — most stuck cases clear within 15 days of an RTI being filed.
	+
	+	* AI RTI Drafter: [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html\|Auto-fill PIO + Act sections]]
	+	* Helplines + grievance: [[:helplines:start\|32 helplines]]
	+	* Browse all yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	* Audience hubs: [[:audience:start\|10 audience-hub guides]]
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>pension landing-page}}