Pension delays — EPS-95, NPS, NSAP, APY, state govt

A delayed pension is not an inconvenience; it is a monthly subsistence that did not arrive. The systems have all moved to Direct Benefit Transfer, which means a pension now travels a chain — sanction, PPO generation, Aadhaar-seeded account mapping, NPCI linkage, bank credit — and the delay lives in exactly one link of that chain. The five guides in this hub exist because the link differs by pension: an EPS-95 delay is usually the PPO or the higher-pension computation; an NSAP delay is usually the sanctioning official at the block; an APY delay is usually the auto-debit and the bank; a state pension delay is usually the treasury's pension bill.

Read the guide for your pension first, then use the common tools at the bottom — the same five-question RTI works on every office in the chain, because every one of them is a public authority under Section 2(h) of the RTI Act.

• EPS-95 pension delay — the Employees' Pension Scheme, 1995: pension at 58, the PPO that must issue after retirement, and the delay points at EPFO
• NPS pension issues — exit at 60, the 60 percent lump sum and the annuity, PFRDA's grievance ladder, and the CRA records an RTI can reach
• NSAP pension delay — old age, widow, disability — the ₹200 to ₹500 central assistance, the state top-up, and the block office file
• Atal Pension Yojana delay — auto-debit failures, the revival window, and the bank-side fix
• State government pension — the pre-2004 defined-benefit pension, the treasury bill, and the department of the pensioner

1. The status of my pension / PPO / claim no. _____ dated _____, and its present stage in the payment chain.
2. The name and designation of the officer holding the file.
3. The reasons for delay beyond the prescribed timeline, rule-wise.
4. A copy of the notings or file movement of the past 30 days.
5. The likely date of credit, and the month from which arrears will be paid.

₹10, thirty days, and the answer must come in writing from the office that owns your money.

• Arrears are part of the order. When a delay is conceded, the credit must start from the month it should have — ask for the arrears computation in the same RTI.
• Silence dates matter. A first appeal lies within 30 days of the decision *or the silence*, and a second appeal to the Commission within 90 days after that. The Timeline Tracker computes the exact dates.

Real example. Dr. Shrawan Kumar Pathak's superannuation pension stopped for three months on a “bank linkage” flag that no one would own. The RTI above, filed to the treasury, came back with the linkage cell's noting showing the mapping had been corrected but the credit file never sent onward — released the following week with arrears.

File it to the office that owns the delay — the guide for your pension names it. A misdirected RTI usually transfers under Section 6(3) and costs you five days.

Yes — EPFO, PFRDA-regulated entities handling statutory schemes, and the government payment chain are public authorities for the records they hold.

Use the bank's internal escalation and the banking Ombudsman for the banking act, and RTI the government side — the sanction and the payment instruction — in parallel.

Your own, yes. Third-party pension particulars attract Section 8(1)(j) unless larger public interest is shown.

Thirty days under Section 7(1) — forty-eight hours where life or liberty is involved, which for a stopped subsistence pension is an argument worth making. No reply in thirty days is not the end: the first appeal lies from the silence itself.

• RTI forms and templates
• Helplines and grievance routes
• When the application itself is rejected
• The RTI Playbook book

Last reviewed: 26 August 2026.