• 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

1. Submit pension claim post-retirement — Form 10 (state-specific).
2. Verification + PPO issuance — 60 days statutory.
3. Monthly pension credit — Bank account.
4. OPS vs NPS choice (some states) — State-specific reversal options.
5. Family pension on death — Apply within 3 months.
6. RTI for delays / calculation — State Pension Office.

• Service certificate
• Aadhaar
• Bank account
• Retirement order

• 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.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

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.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

State + joining date dependent. RTI for your specific category.

50% of last salary typically. State-specific.

File RTI. Use AI RTI Drafter.

Post-2022 SC ruling on EPS-95. State govt similar but state-specific.

• All pension guides
• 25 status-check guides
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 32 helplines + grievance routes
• Full RTI Playbook

Last reviewed: 26 April 2026.