The Pension Rules (CCS Pension Rules 2021 + state equivalents) commit pension processing to start 6 months BEFORE retirement; gratuity must be paid within 1 month of retirement; PPO (Pension Payment Order) issued within 30 days; family pension within 14 days of death certificate. Beyond these, the Supreme Court in State of Kerala v. M. Padmanabhan Nair (1985 SCC OnLine SC 25) established the right to interest on delayed gratuity at bank rate.

Reviewed on: 23 April 2026.

• Service-book verification at office of last service — most common bottleneck.
• Pension commutation calculation — Drawing & Disbursing Officer (DDO).
• Service certificate from earlier postings — when employee transferred multiple times.
• AG (Audit) clearance — Comptroller & Auditor General office.
• Bank pension start — public sector bank credit.
• PPO + family-pension PPO — for nominee.
• CPAO (Central Pension Accounting Office) / state equivalent — for centralised pension.

To:
The Public Information Officer,
[Last office of service / DDO],
[Address].

Subject: RTI — pension/gratuity processing for [Employee name + ID]

Under the RTI Act, 2005:

1. Date my pension papers were initiated and the dealing officer.
2. Service-book verification status; if pending, the reason.
3. PPO (Pension Payment Order) number + date of issue.
4. Date of forwarding to AG (or state Pensions Department).
5. Date AG cleared / queried; if queried, copy of query.
6. Date forwarded to CPAO/state Pension Office.
7. First pension credit date + bank.
8. Gratuity calculation + payment date + amount.
9. Interest accrued under Padmanabhan Nair (SC 1985) for delayed gratuity.
10. Family-pension PPO for [nominee name] if applicable.

Rs. 10 IPO enclosed (BPL waiver if applicable).

Yours faithfully, [Name + Employee ID]

For files stuck at AG or CPAO (Centre) / Pensions Directorate (state):

To:
PIO, Office of [AG (Civil/PT&C) — state | CPAO Delhi],
[Address].

Subject: RTI — file [Employee name + ID] pension processing

[Same questions as above; specifically asking for AG/CPAO file movement notes.]

• State of Kerala v. M. Padmanabhan Nair (SC 1985) — interest on delayed gratuity at bank rate; landmark.
• DS Nakara v. UoI (1983) 1 SCC 305 — pension is deferred salary, not bounty.
• Suchet Singh v. State of Punjab (P&H HC 2024) — pension delay >1 year attracts compensation in writ.
• Subhash Chandra Agarwal v. CPAO (CIC 2019) — pension file noting disclosable.
• Anjali Bhardwaj v. UoI (SC ongoing) — IC vacancies hurt pension RTIs.

1. Day 0 — RTI to DDO + parallel RTI to AG/CPAO.
2. Day 0 parallel — Email CPAO at cpao.nic.in grievance.
3. Day 0 parallel — CPGRAMS at pgportal.gov.in.
4. Day 30 — RTI reply due.
5. Day 60 — First Appeal.
6. Day 150 — Second Appeal to CIC.
7. Last resort — Writ under Article 226; Padmanabhan Nair gives strong precedent.

• Documents needed: Death certificate, marriage certificate (for spouse), birth certificate (for child), nominee form on file with employer.
• Timeline: 14 days for first family pension under most state pension rules.
• Common issue: Nominee not updated in service book before death — solvable via affidavit + RTI for nominee form audit.

File RTI to your last DDO asking for the questions above, especially the date of forwarding to AG. If forwarded, parallel RTI to AG/CPAO. Padmanabhan Nair (SC 1985) entitles you to interest at bank rate on delayed gratuity.

(a) Submit death certificate + your relationship proof to last DDO; (b) Demand PPO under §7(1) “life or liberty” 48-hour rule (since your livelihood depends on it); © RTI to AG/CPAO if no movement in 14 days.

Your own PPO is yours under §3 + §6. The PIO must furnish.

Yes — State of Kerala v. M. Padmanabhan Nair (SC 1985) is binding precedent. Interest at bank rate from date of retirement until actual payment.

• EPFO Claim Status RTI (separate)
• First Appeal Guide
• AI RTI Drafter

Last reviewed: 23 April 2026.