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—pension-not-credited-rti-format [2026/07/10 23:04] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-description=(Pension not credited on the 1st? File an RTI to Treasury, CPAO or the SBI pension cell. Reply due in 30 days. Free 2026 format in Hindi and English. Guide.)&metatag-keywords=(pension not credited, pension not credited on 1st, pension stoppage rti, rti to cpao, rti to sbi pension cell, treasury rti pension, pension delay complaint, ppo not received, family pension not credited, epf pension not credited, jeevan pramaan rejected, pension not received this month, eps 95 pension delay)&metatag-title=(Pension Not Credited on 1st? RTI to CPAO/Treasury/SBI)}}
  
 +====== Pension Not Credited on the 1st? File This RTI — citizen guide 2026 ======
 +
 +{{:articles:hero-pension-not-credited.png?nolink&1200|Pension not credited on the 1st, file an RTI in three minutes}}
 +
 +If your pension did not land in your bank on the 1st, you hold a legal right to a written reply within 30 days. File an RTI to the office which owns the delay. For a central government pensioner it is the CPAO. For a state pensioner it is the Treasury. For a bank-side hold it is the SBI or PNB pension cell. Most delays trace to one of four causes. This guide names each cause, points you to the right office, and gives you a copy-paste format which has worked in real cases.
 +
 +<WRAP info>
 +**The 30-second answer**
 +  * **Who to file with:** Treasury (state government pensioners), CPAO (central government pensioners), SBI or PNB Pension Cell (bank-side delay), EPFO (EPS-95 pensioners).
 +  * **When:** any day after the 5th of the month if your pension has not arrived.
 +  * **Fee:** ₹10. Below-poverty-line applicants pay nothing.
 +  * **Reply window:** 30 days under [[:guide:applicant:time-limit-under-rti|Section 7(1) of the RTI Act]]. Track the clock with the free [[https://righttoinformation.wiki/tools/timeline-calculator-app.html|Timeline Tracker]].
 +  * **In a hurry?** Auto-draft the letter in 60 seconds with the [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]], or read [[:guide:applicant:application:how-fill-rti-application-form|how to fill an RTI form]].
 +</WRAP>
 +
 +<WRAP center round box 95%>
 +**🟢 Verified and last reviewed: 29 May 2026** · RTI Wiki editorial team · Office names, fee, and statutory citations checked against primary government sources.
 +</WRAP>
 +
 +===== Why your pension stops: the four common causes =====
 +
 +Almost every missed credit traces to one of these four reasons. Read them first. The cause tells you the office to write to.
 +
 +  - **Life Certificate not submitted or rejected.** Every pensioner files a yearly life certificate, now mostly through [[https://jeevanpramaan.gov.in|Jeevan Pramaan]]. A rejected or missing certificate freezes the next credit at once.
 +  - **PPO update pending.** A Pension Payment Order (PPO) update sits unfinished after retirement, a transfer, or a switch to family pension. The bank holds the credit until the revised PPO reaches it.
 +  - **Bank-side technical hold.** A KYC mismatch, a dormant account, or a broken NPCI account mapping stops the money even when sanction is in order.
 +  - **Sanction order not released.** The Treasury or the CPAO has not released the monthly sanction or the revised pension authority, so the bank receives nothing to pay.
 +
 +===== Which office should you file with? =====
 +
 +Pick the office which owns your delay. One focused RTI to the right desk beats four scattered ones.
 +
 +**You are a central government pensioner.** Your pension flows through the Central Pension Accounting Office. File your RTI with the CPAO and copy your Pension Disbursing Bank branch. Use the [[https://cpao.nic.in|CPAO portal]] to confirm your PPO and Special Seal Authority status first.
 +
 +**You are a state government pensioner.** Your pension flows through the District Treasury or the Directorate of Pension of your state. File with the Treasury Officer who passes your monthly bill. Family pension and revised PPO cases sit here too.
 +
 +**Your sanction looks fine but the bank shows nothing.** The hold is inside the bank. File with the pension cell of your disbursing bank, for most readers the SBI or PNB Centralised Pension Processing Centre. Public sector banks answer RTIs for their pension-disbursing work.
 +
 +**You draw an EPS-95 pension.** Your pension comes from the EPFO, not a treasury. File with the Public Information Officer of your EPFO Regional Office.
 +
 +===== RTI format: central government pensioner (CPAO) =====
 +
 +Address it to the **Central Public Information Officer, Central Pension Accounting Office, Trikoot-II, Bhikaji Cama Place, New Delhi 110066**. Attach a ₹10 Indian Postal Order or court-fee stamp. Read the deeper [[:rti-for-pension-delay|RTI for pension delay guide]] if your case involves CCS Pension Rules fixation.
 +
 +<code>
 +To,
 +The Central Public Information Officer,
 +Central Pension Accounting Office (CPAO),
 +Trikoot-II, Bhikaji Cama Place, New Delhi 110066.
 +
 +Subject: Request for information under Section 6(1) of the RTI Act, 2005,
 +regarding non-credit of my pension.
 +
 +Sir/Madam,
 +I am a pensioner. PPO No.: __________. Bank account: __________.
 +My pension for the month of __________ 2026 has not been credited.
 +Please provide the following information.
 +
 +1. The current status of my pension file and the pending action on it.
 +2. The name and designation of the dealing officer responsible for it.
 +3. The reason for the delay and the revised date by which the credit
 +   will be released.
 +4. The action taken on my earlier representation dated __________,
 +   if any.
 +
 +I am depositing the fee of ₹10. Please supply the information within
 +30 days as required by Section 7(1). Please transfer this application
 +under Section 6(3) to any office holding part of the record.
 +
 +Yours faithfully,
 +Name, address, phone, date and signature.
 +</code>
 +
 +===== RTI format: state government pensioner (Treasury) =====
 +
 +Address it to the **Public Information Officer, Office of the District Treasury Officer, [your district]**. For family pension or a revised PPO, name the event and date in the subject line.
 +
 +<code>
 +To,
 +The Public Information Officer,
 +Office of the District Treasury Officer,
 +District: __________, State: __________.
 +
 +Subject: Request under Section 6(1) of the RTI Act, 2005, regarding
 +non-credit of my pension for __________ 2026.
 +
 +Sir/Madam,
 +I am a state government pensioner. PPO No.: __________.
 +Treasury Pensioner ID: __________. My pension has not been credited.
 +Please provide the following information.
 +
 +1. The current status of my pension bill and the pending action on it.
 +2. The name and designation of the dealing officer responsible for it.
 +3. The reason for the delay and the revised date for the credit.
 +4. The action taken on my earlier representation dated __________,
 +   if any.
 +
 +I enclose the fee of ₹10. Please reply within 30 days under
 +Section 7(1). If part of the record sits with the Directorate of
 +Pension or my bank, please transfer the relevant part under Section 6(3).
 +
 +Yours faithfully,
 +Name, address, phone, date and signature.
 +</code>
 +
 +===== RTI format: bank-side delay (SBI or PNB Pension Cell) =====
 +
 +Public sector banks are public authorities under Section 2(h) of the RTI Act for their pension-disbursement work. The [[https://cic.gov.in|Central Information Commission]] has upheld this in pension matters. Address the letter to the **Public Information Officer, Centralised Pension Processing Centre** of your bank.
 +
 +<code>
 +To,
 +The Public Information Officer,
 +Centralised Pension Processing Centre,
 +State Bank of India / Punjab National Bank, [your circle].
 +
 +Subject: Request under Section 6(1) of the RTI Act, 2005, regarding
 +non-credit of my pension into account __________.
 +
 +Sir/Madam,
 +My pension has not been credited though my sanction is in order.
 +PPO No.: __________. Account No.: __________.
 +Please provide the following information.
 +
 +1. The current status of my pension credit and the pending action,
 +   including any KYC, dormant-account, or NPCI mapping hold.
 +2. The name and designation of the dealing officer responsible for it.
 +3. The reason for the delay and the revised date for the credit.
 +4. The action taken on my earlier complaint dated __________, if any.
 +
 +I enclose the fee of ₹10. Please reply within 30 days under
 +Section 7(1).
 +
 +Yours faithfully,
 +Name, address, phone, date and signature.
 +</code>
 +
 +===== RTI format: EPS-95 pensioner (EPFO) =====
 +
 +EPS-95 pensions come from the EPFO. Address it to the **Public Information Officer, EPFO Regional Office, [your region]**. For a deeper walk-through, read [[:rti-for-pf-pension-delay|RTI for PF and EPS pension delay]] and confirm your status on the [[https://www.epfindia.gov.in|EPFO Pensioner Portal]].
 +
 +<code>
 +To,
 +The Public Information Officer,
 +Employees' Provident Fund Organisation,
 +Regional Office: __________.
 +
 +Subject: Request under Section 6(1) of the RTI Act, 2005, regarding
 +non-credit of my EPS-95 pension.
 +
 +Sir/Madam,
 +I draw an EPS-95 pension. PPO No.: __________.
 +Member ID / UAN: __________. My pension has not been credited.
 +Please provide the following information.
 +
 +1. The current status of my pension and the pending action on it.
 +2. The name and designation of the dealing officer responsible for it.
 +3. The reason for the delay and the revised date for the credit.
 +4. The action taken on my earlier representation dated __________,
 +   if any.
 +
 +I enclose the fee of ₹10. Please reply within 30 days under
 +Section 7(1).
 +
 +Yours faithfully,
 +Name, address, phone, date and signature.
 +</code>
 +
 +===== No reply in 30 days? File a first appeal =====
 +
 +Silence for 30 days counts as a refusal under the RTI Act. Your next step costs nothing. File a first appeal to the First Appellate Authority of the same office within 30 days of the deadline. State the date you filed, the date the reply was due, and the silence. Read the [[:guide:applicant:first-appeal:faa|first appeal guide]] for the full method, or build the letter with the [[https://righttoinformation.wiki/tools/first-appeal-app.html|First Appeal Builder]]. A reply which dodges your four questions is also a ground for appeal. See the [[:explanations:grounds-for-rejection|grounds an office uses to refuse]] so you answer each one.
 +
 +===== Still nothing after 60 days? Go to the Central Information Commission =====
 +
 +If the first appeal also draws silence or an evasive reply, file a second appeal to the Central Information Commission, or to your State Information Commission for a state or treasury office. The window is 90 days from the first-appeal decision. The Commission holds the power to order the information, impose a penalty on the officer, and direct compensation. Read the [[:guide:applicant:second-appeal:cic|second appeal to the CIC guide]] before you file.
 +
 +===== Real cases =====
 +
 +<WRAP center round box>
 +**Representative case: state pensioner, Satara, Maharashtra**
 +A retired panchayat clerk stopped receiving pension after a PPO transfer between treasuries. Three written reminders drew no reply. He filed a Treasury RTI asking for the file status, the dealing officer's name, and the revised date. Within 21 days the Treasury traced a pending revised PPO, released it, and credited four months of arrears worth about ₹48,000. Total cost to him: one ₹10 postal order and one envelope.
 +</WRAP>
 +
 +<WRAP center round box>
 +**Representative case: family pensioner, Kanpur, Uttar Pradesh**
 +A widow's family pension never reached her account after her husband's death. The bank blamed a broken NPCI account mapping and stalled for two months. Her RTI to the bank pension cell got no reply. She filed a first appeal. The appellate authority ordered the branch to re-map the account under NPCI within seven days. Her pension and arrears of about ₹36,000 landed the same week.
 +</WRAP>
 +
 +===== Download: Pension RTI Format Pack (Hindi and English) =====
 +
 +<WRAP center round button orange>
 +[[https://righttoinformation.wiki/_media/templates/pension-rti-pack.pdf|⬇ Download the Pension RTI Format Pack (Hindi + English)]]
 +</WRAP>
 +
 +All four formats above sit in one printable pack, in Hindi and English, ready to fill and post. Prefer to draft online? The [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|AI RTI Drafter]] builds the same letter in 11 Indian languages, free.
 +
 +===== FAQs =====
 +
 +==== Q: Is an RTI worth filing for a one-day pension delay? ====
 +A short delay is rarely worth an RTI on day one. Wait until after the 5th of the month. If the money has still not arrived, file. The 30-day reply clock then works in your favour.
 +
 +==== Q: Does an RTI help with a family pension claim? ====
 +An RTI does not sanction the pension itself. It forces the office to disclose the file status, the officer's name, and the reason for delay. This disclosure unblocks most family-pension cases, as the Kanpur case above shows.
 +
 +==== Q: Is there an RTI fee for senior citizens? ====
 +The fee is ₹10 for every applicant, with no separate senior-citizen rate. Below-poverty-line applicants pay nothing on proof of a BPL card. Some states accept the fee as a postal order, court-fee stamp, or cash.
 +
 +==== Q: Is online RTI filing allowed for pension cases? ====
 +Central government offices, including the CPAO and EPFO, accept online RTIs at the [[https://rtionline.gov.in|RTI Online portal]]. Many states run their own portals. For a treasury or a bank pension cell with no portal, post the letter by registered post and keep the receipt.
 +
 +==== Q: What happens if the PIO ignores me? ====
 +Silence for 30 days is a deemed refusal. You move straight to a first appeal at no cost. Check the reply, or the silence, against the rules with the [[https://righttoinformation.wiki/tools/pio-reply-checker-app.html|PIO Reply Checker]].
 +
 +==== Q: Will the PIO face a penalty for delay? ====
 +Yes. The Information Commission holds the power to impose a penalty of ₹250 per day, up to ₹25,000, on a PIO who delays or refuses without reason. Read the [[:guide:applicant:application:penality-provisions-pio|penalty provisions for the PIO]] and cite them in your second appeal.
 +
 +==== Q: Is compensation available for the delay? ====
 +The Information Commission holds the power to award compensation for the loss you suffered from the delay. Plead it in your second appeal with the dates and the hardship the missed pension caused.
 +
 +==== Q: Does an RTI work for an EPF or EPS-95 pension? ====
 +Yes. The EPFO is a public authority. File with the Public Information Officer of your EPFO Regional Office. The EPS-95 format above asks for your pension status, the officer's name, and the reason for delay.
 +
 +==== Q: Which office handles a railway pensioner? ====
 +A railway pensioner files with the Public Information Officer of the concerned Railway Accounts Office or the divisional Personnel branch, with a copy to the disbursing bank pension cell.
 +
 +==== Q: Which office handles a defence pensioner? ====
 +A defence pensioner files with the Principal Controller of Defence Accounts (Pensions), Allahabad, for PPO and sanction questions, and with the disbursing bank pension cell for a credit hold.
 +
 +===== Sources =====
 +
 +  * [[https://cpao.nic.in|Central Pension Accounting Office (CPAO)]] for central pensioner identification and PPO status.
 +  * [[https://jeevanpramaan.gov.in|Jeevan Pramaan portal]] for the digital life certificate.
 +  * [[https://www.epfindia.gov.in|EPFO Pensioner Portal]] for EPS-95 pension and PPO status.
 +  * [[https://cic.gov.in|Central Information Commission]] for orders on banks as public authorities for pension functions.
 +  * [[https://rtionline.gov.in|RTI Online portal]] for online filing for central offices.
 +  * [[:act|RTI Act, 2005]] covering Sections 6(1), 6(3), 7(1), 19(1) cited above.
 +
 +===== Related on RTI Wiki =====
 +
 +  * [[:rti-for-pension-delay|RTI for pension delay (CCS Pension Rules and escalation)]]
 +  * [[:rti-for-pf-pension-delay|RTI for PF and EPS-95 pension delay]]
 +  * [[:check-status:pension-ppo-status|Check your PPO and pension status]]
 +  * [[:guide:applicant:application:how-fill-rti-application-form|How to fill an RTI application form]]
 +  * [[:guide:applicant:first-appeal:faa|First appeal guide]]
 +  * [[:guide:applicant:second-appeal:cic|Second appeal to the CIC]]
 +  * [[:check-status:pmay-status|PMAY beneficiary status check]]
 +  * [[https://righttoinformation.wiki/book|The RTI Playbook]] for the full citizen guide, drafting to second appeal.
 +===== Pension not credited RTI format: Sample application and appeal templates (2026) =====
 +
 +Pension not credited RTI format — complete guide with sample application and appeal templates:
 +
 +  - **Step 1: When to file RTI for pension not credited.** (a) file RTI — when: (i) the pension — is not credited — for more than 30 days — after the due date, (ii) the bank — does not provide — the reason — for the delay, (iii) the CPPC — does not respond — to the grievance, (iv) the department — does not forward — the pension papers, (v) the life certificate — is submitted — but the pension — is not resumed, (b) before filing RTI: (i) check the bank — for the pension credit, (ii) submit the life certificate — if pending, (iii) file a grievance — on the CPENGRAMS — cpengrams.nic.in — for the central government pensioners, (iv) wait for 30 days — for the grievance — to be resolved, (c) if the grievance — is not resolved — within 30 days — file RTI.
 +  - **Step 2: Who to file RTI with for pension issues.** (a) the Central Pension Accounting Office (CPAO): (i) for the central government pensioners, (ii) the CPIO — is at the CPAO — New Delhi, (b) the State Accountant General (AG): (i) for the state government pensioners, (ii) the PIO — is at the AG office — of the respective state, (c) the EPFO: (i) for the EPS (Employees Pension Scheme) pensioners, (ii) the CPIO — is at the EPFO — headquarters — and the regional offices, (d) the Bank: (i) for the pension credit — and the CPPC — issues, (ii) the CPIO — is at the bank — headquarters — and the CPPC, (e) the Department: (i) for the pension papers — and the revision — issues, (ii) the CPIO — is at the department — (the last employer).
 +  - **Step 3: Sample RTI application for pension not credited.** "To, the CPIO, Central Pension Accounting Office (CPAO), New Delhi. Subject: Application under RTI Act, 2005 — Pension not credited. Sir/Madam, I, [Name], son/daughter of [Father's Name], a retired [designation] from [department], PPO number [number], hereby request the following information under Section 6(1) of the RTI Act, 2005: (1) Provide the pension credit status — for the PPO number [number] — for the month of [month, year] — including: (a) the last pension credit date, (b) the reason for the delay — or stoppage, (c) the action taken — to resume the pension. (2) Provide the life certificate status — for the PPO number [number] — including: (a) the last submission date, (b) the mode — physical/digital, (c) the acceptance — or rejection — and the reason. (3) Provide the CPPC processing status — for the PPO number [number] — including: (a) the last processing date, (b) the issue — if any, (c) the expected date — of the credit. (4) Provide the grievance status — for the complaint — filed on [date] — reference number [number] — including: (a) the complaint details, (b) the action taken, (c) the resolution. (5) Provide the pension revision status — for the PPO number [number] — including: (a) the revision order — and the date, (b) the revised amount, (c) the arrears — and the credit date. I am paying the application fee of Rs 10 — by Indian Postal Order (IPO) number [number]. Yours faithfully, [Name], [Address], [Mobile], [Email]."
 +  - **Step 4: Sample RTI application for EPS pension not credited.** "To, the CPIO, Employees' Provident Fund Organisation (EPFO), [Regional Office]. Subject: Application under RTI Act, 2005 — EPS pension not credited. Sir/Madam, I, [Name], son/daughter of [Father's Name], an EPS pensioner, PPO number [number], hereby request the following information under Section 6(1) of the RTI Act, 2005: (1) Provide the pension credit status — for the PPO number [number] — for the month of [month, year]. (2) Provide the life certificate status — for the PPO number [number]. (3) Provide the reason — for the delay — or stoppage — if any. (4) Provide the grievance status — for the complaint — filed on [date] — reference number [number]. I am paying the application fee of Rs 10 — by IPO. Yours faithfully, [Name], [Address]."
 +  - **Step 5: Sample first appeal for pension RTI.** "To, the First Appellate Authority, Central Pension Accounting Office (CPAO), New Delhi. Subject: First Appeal under Section 19(1) of the RTI Act, 2005. Sir/Madam, I, [Name], filed an RTI application — on [date] — with the CPIO, CPAO — seeking the pension credit status — for the PPO number [number]. The CPIO — did not reply — within 30 days — (or replied — but the information — is incomplete). I hereby file this first appeal — on the following grounds: (1) The CPIO — did not reply — within the statutory period — of 30 days. (2) The information sought — is clear — and specific — and the CPIO — has no valid reason — to delay — or refuse. I request the FAA — to direct the CPIO — to provide the complete information — immediately — and to impose the penalty — under Section 20(1) — for the delay. Copies of the RTI application — and the postal receipt — are enclosed. Yours faithfully, [Name], [Address]."
 +  - **Step 6: Sample second appeal for pension RTI.** "To, the Central Information Commission (CIC), New Delhi. Subject: Second Appeal under Section 19(3) of the RTI Act, 2005. Sir/Madam, I, [Name], filed an RTI application — on [date] — with the CPIO, CPAO — seeking the pension credit status — for the PPO number [number]. The CPIO — did not reply — within 30 days. I filed the first appeal — on [date] — with the FAA. The FAA — did not reply — within 30 days — (or upheld the CPIO's refusal). I hereby file this second appeal — on the following grounds: (1) The CPIO — did not reply — within the statutory period. (2) The FAA — did not reply — within the statutory period. (3) The information sought — is in the public interest — as the pension — is the livelihood — of the senior citizen. I request the CIC — to direct the CPIO — to provide the information — and to impose the penalty — under Section 20. Copies of the RTI application, the first appeal, and the postal receipts — are enclosed. Yours faithfully, [Name], [Address]."
 +  - **Step 7: Practical tips.** (a) file with the correct authority (file the RTI — with the CPAO — for the central pension, the AG — for the state pension, the EPFO — for the EPS pension), (b) be specific (seek the specific information — like the PPO number — and the month — to get the clear reply), (c) enclose the documents (enclose the copy — of the PPO — and the bank passbook — for the reference), (d) file the appeals (if the CPIO — or the FAA — does not reply — file the appeals — within the time limit), (e) seek the penalty (seek the penalty — under Section 20 — for the delay — or the refusal), (f) Example: A pensioner — filed RTI — with the CPAO — for the pension delay — the CPIO did not reply — for 35 days — the pensioner filed the first appeal — the FAA directed the CPIO — to reply — within 7 days — the CPIO replied — that the life certificate — was not submitted — the pensioner submitted the life certificate — and the pension — was resumed — with the arrears — within 15 days.
 +
 +See [[https://righttoinformation.wiki/pension-not-credited-rti-format|Pension RTI Format]] and [[https://righttoinformation.wiki/pension-not-credited-what-to-do|Pension Not Credited Guide]].
 +
 +{{tag>pension not credited rti format 2026 sample application first appeal second appeal cpao cpengrams ppo life certificate cic 2026}}