Pension Entitlements

Pensionary Benefits for Officers

Officers who complete 20 years minimum qualifying service are entitled to Retiring/Service Pension.  The various pensionary benefits admissible to officers at the time of retirement/release are as under:-

  • On Completion of Minimum Qualifying Service for Pension
    • Retiring Pension/Service Pension.
    • Retirement Gratuity/Service Gratuity.
    • Commutation of Pension.
    • Leave Encashment.
  • Retiring before Completion of Minimum Qualifying Service for Pension i.e. Non-Pensioner
    • Service/Retiring Gratuity.
    • Retirement Gratuity provided service rendered is five/ ten years and above.
    • Leave Encashment.
  • Those Invalided from Naval Service due to Medical unfitness before rendering Minimum Qualifying Service for Pension
    • Invalid Pension (with conditions).
    • Disability Pension (with conditions).
    • Invalid Gratuity (with conditions).
    • Retiring Gratuity/Service Gratuity (If minimum service rendered is 10 years and above).
    • Leave Encashment

(Authority:- MoD letters No. 1(6)/98-D(Pension/Services) dated 03 Feb 1998 and 17(02)/2016-D(Pen/Pol) dated 04 Sep 2017).

Retiring Pension

The Retiring Pension of officers shall be calculated at 50% of the Reckonable Emoluments last drawn. This includes Level of Pay in the Pay Matrix, Military Service Pay, and Non-Practising Allowance if any last drawn.

Additional Pension for Old Age Pensioners

In addition to pensionary benefits and Family Pension, old age pensioners/ family pensioners are also entitled to additional pension/ family pension from the age of 85 years onwards. 

Commutation

Officers can commute a lump sum payment maximum upto 50% of their Retiring/Service Pension. The balance pension is treated as Residual Pension. Those who have commuted a portion of their Pension, are eligible for restoration of the commuted portion of pension on completion of 15 years. (Authority:- MoD letter No. 17(4)/2008(2)/D(Pen/Pol) dated 12 Nov 2008 and Commutation Regulations).

ePPO

All pensioners are being issued ePPO by CDA (Navy) with effect from 2016; with the PPOs issued to pre 2016 retirees also being converted to ePPO in a phased manner. An Aide Memoire by NAVPEN on ePPO and the procedure to download the same may be viewed here. Some issues highlighted by PCDA (Navy) regarding this conversion process is that the name of the spouse in the original PPO is either not the full name or there is a mismatch in the name; and that the date of birth is also sometimes not in the format dd/mm/yyyy. CDA (Navy) has sought the correct details from affected pensioners, which is being coordinated by respective Navy Foundations. Documents required for correction/updating of date of birth of spouse can be seen here.

To download your e-PPO, members are required to click here. If all the particulars are correct, take a printout and keep it safely; If there is any mistake like Spouse Name, DOB or Bank particulars, please send an email to LOIC NavPen at navpen-officers@navy.gov.in with cc to PCDA(Navy) at pensionpcdanavy.dad@gov.in. Do attach required documents like School Leaving Certificate and Aadhar card for change of DOB, Bank pass book and a blank cheque for change of Bank particulars. Queries can be clarified during working hours from LCdr Abhimanu Shekhawat of NavPen on 9145533059 / 7219610761.

DigiLocker Facility for ePPO

An initiative has been taken by the PCDA (Navy) for veterans to upload and store their ePPO on the DigiLocker app/website so they can access it at any place and time. The procedure for uploading the ePPO on DigiLocker may be seen here.

Project SPARSH

The System for Pension Administration (Raksha) (SPARSH) is an initiative of the Ministry of Defence that aims at providing a comprehensive solution to the administration of pension to the defence pensioners in line with the vision of the government of India of Digital India, Direct Benefit Transfer (DBT) and “Minimal Government, Maximum Governance” as envisaged in Para 126 of the Budget Speech of 2017-18. The stated aim of SPARSH is to give a Defence Pensioner a completely transparent view of his / her pension account through a platform that will capture and maintain a complete history of events and entitlements the pensioner right from the date of commencement of pension to the date of cessation of pension due to his/her last eligible beneficiary. This system will be administered by the Defence Accounts Department through the Principal Controller of Defence Accounts (Pensions), Prayagraj and shall cater to all the three Services and allied organisations. The system will initially cater to the new retirees on rollout and subsequently be extended to cover the existing defence pensioners. The system would cater to all activities of the pension cycle namely: Initiation and Sanction, Disbursement, Revision and Service and Grievance Request Management.

The SPARSH Portal

The SPARSH portal proves a Defence Pensioner access to and control of his pension account. A person whose pension is due is onboarded on the portal at the time of processing his / her pension claim. The Pensioner is allotted a unique account number once his / her digitised audited pension claim is ready for forwarding to PCDA(Pensions) for the issue of Pension Payment Order. The Pensioner is informed of this account number on the mobile number/email address furnished by him/her at the time of furnishing his / her pension claim which he/she can use to onboard on this portal. Once the Service Record Holder and the corresponding Pay Accounts Office prepares the pension claim it is made available to the pensioner on the portal for verification. This process is called Pensioner Data Verification (PDV). PDV ensures that the pensioner has the final say with respect to the information furnished to the Pension Sanction Authority. The Portal also enables the pensioner to furnish the requisite declarations/ nominations/requests for commutation. The portal also provides the option to the pensioner to use enabled services for quicker processing of his requests and signing of declarations making his experience a truly paperless and hassle free one.

    IMPORTANT INFORMATION DISSEMINATION FOR ALL PENSIONERS

    Dear Members,

    1. Please note that all our Pension processing is being transferred from the Banks to SPARSH portal of PCDA (P) Allahabad.
    2. Important Essence of this message:

    When your account is transferred from the Bank’s CPPC to PCDA(P)’s SPARSH you will get an SMS giving your username and password for SPARSH Login. Ensure you save this information and use it for registering on the SPARSH portal. All details on SPARSH are available on the PCDA portal https://pcdapension.nic.in › pcda › oc-sparsh but some important aspects are enumerated below.

    What is the SPARSH?

    SPARSH  is the acronym used for “System for Pension Administration Raksha” and is an integrated system for automation of sanction and disbursement of Defence Pension.

    What does it imply?

    Physically your pension account remains in the same bank & branch but the processing activity which was being done by the bank’s CPPC gets shifted from the Bank to SPARSH under the aegis of PCDA(P) Allahabad. In effect it means that all activities related to your pension will now be with PCDA wef 01 Sep 2021.

    How is it being Implemented?
    • For Veterans and Veer Naaris:
      • All Pensioners
        (Pre Sep 2021), of all Private & Nationalized Banks will have their pensions migrated from CPPC to SPARSH controlled by PCDA(P) Allahabad. Fifty per cent of 30 Lakhs accounts of Defence Pensioners have already been transferred to SPARSH and balance will be transferred by March 2022.
      • Thereafter banks CPPCs will have no role in the disbursement of your pension or redressal of any of your grievances related to your pension or accepting your life certificate.
    • For Serving Personnel:
      • SPARSH is applicable to all retirees wef Sep 2021onwards.That means those who are retiring wef Sep 2021 onwards, their pension documents have to be processed on line through SPARSH by respective Defence accounts sections through PCDA (P) Allahabad.
      • It means an individual has to forward hard copy of his documents to  respective Defence accounts as earlier and to be forwarded through mail, on id provided to  respective records (for JCO & Ors etc.).
      • Thereafter it will be uploaded  online through SPARSH. Hence no more hard copies to be forwarded to PCDA (P)
        Allahabad, as it used to be done earlier. Where many times there used to be delay in reaching documents to the concerned officer, documents used to get misplaced.
      • All these retirees are and future retirees will be getting their pension through SPARSH.
    Some Points/ Implication of the Changes:
    • Portal operating  agency being CDA Pension, Allahabad, all PPO numbers are expected to be regenerated starting with numbers 101…..old PPO numbers are likely to be  superseded.
    • All officers who have received their user ID and Password from PCDA pension Allahabad to log in at sparsh.defencepension.gov.in and validate their basic data.
    • Henceforth pension will be credited on the last day of the month.
    • If a new PPO number is allotted, kindly resubmit your Life certificate NOW with the new PPO number and select SPARSH as the pension disbursing authority.
    • Important: Once your pension is transferred to SPARSH, every individual will get a USER NAME & PASSWORD message on their mobile to  LOGIN ON SPARSH. Please save that message and once you login on SPARSH you can create your new password for security. This is just like logging into a bank site for checking our Salary slip and other issues related to our pension. However your pension account with the bank will remain the same.
    • Important: Once transferred to SPARSH –  your PPO, corrigendum. Form 16. Life Certificate Pension slip, lodging of grievances  – all will be on SPARSH. Hence please save your Login User ID and Password.
    Updated PCDA SPARSH helplines & TOLL-FREE
    • Mobile 18001805325
    • 05322421877
    • 05322421879
    • 0532242188

    As part of the first phase of SPARSH, all Naval Pensioners who have retired post 01 Jan 2016 are being migrated commencing 31 Jan 2022. In the next phase which will commence later this year, Pensioners who retired after 01 Jan 2006 and up to 31 Dec 2015 would be migrated in batches. When your pension account is transferred from the Bank’s CPCC to SPARSH, you will get an SMS giving your Username and Password for which as a first step, members should get their mobile number and email id updated with their pension distributing bank.

    Please note that physically your Pension account remains in the same bank and branch, but the processing and distribution of Pension, which was earlier being done by the Bank’s CPCC, gets shifted from the Bank to PCDA (Pension), Allahabad through Sparsh. A Naval Liason Unit of three sailors headed by Capt Pankaj Rastogi has already been set up to coordinate with PCDA, Pension (Allahabad) and a SMART (Sparsh Migration Assistance Response Team ) will be set up by LOIC Naval Pension Office by 31 Mar 2022, to address all the pension-related queries and problems of all Veterans as a ‘Single Window.’

    Warning : Some scamsters may create phishing websites to steal the personal and banking data of Pensioners by asking them to update details on SPARSH. The message will have a link where they will tell you to update profile details including NOK, Aadhar and PAN details. Please do not repeat do not click on any such links. All SPARSH updation of data by PCDA, Pension (A) is being done by then directly from Banks and Record Offices. Pensioners are never asked directly for such information through SMS / e-mail. Further, the only link for Pensioners Portal is sparsh.defencepension.gov.in and everything else would be fake.

    Please take a print of this Primer on SPARSH Migration for Naval Pensioners from NHQ/DPAand go through it minutely to understand SPARSH. A tutorial movie is also under preparation to assist our esteemed Veterans and gracious Veer Naaris through the process, which when ready would be shared.

    An Aide Memoire on SPARSH Migration for Naval Pensioners may be accessed here.

    A compendium of FAQs on SPARSH compiled by DESA may be viewed here.

    • Officers:
      • Phone : 022-25075608
      • Email: offcmigration-navpen@navy.gov.in
    • Sailors:
      • Phone : 0222085 0328/ 25075623/ 25075455
      • Email: sparshmig-navpen@navy.gov.in
    Sl No.Branch NameIFSCBranch CodeAddressDistStateemailCircle
    1MORENA TIRAHA, AMBAHSBIN003009030090MORENA ROAD,AMBAH-476111MORENAMADHYA PRADESHsbi.30090@sbi.co.inBHOPAL
    2TOWN HALL, MHOWSBIN0030023300233334,R.C.JAL AUDITORIUM CAMPUS,MAIN STREET,MHOW-453441INDOREMADHYA PRADESHsbi.30023@sbi.co.inBHOPAL
    3ALWALSBIN001294612946ALWAL,HNO 1 106 18 BY G2,RK GILL PLAZA,ALWAL,TIRUMALAGIRI,SECUNDERABADMALKAJGIRIANDHRA PRADESHsbi.12946@sbi.co.inHYDERABAD
    4BANGARPETSBIN001129211292BANGARPET MAIN ROAD,BANGARPETKOLAR DIST 563114KOLARKARNATAKAsbi.11292@sbi.co.inBENGALURU
    5MILI COLL OF ELC AND MECH ENGSBIN001062110621LAL BAZAR, BEHIND MCEME LIBRARY, TRIMULGHERRY, SECUNDERABAD, 500015HYDERABAD URBANTELANGANAsbi.10621@sbi.co.inHYDERABAD
    6NAVAL BASE, KOCHISBIN001056810568INS VENDURUTHY DIST KOLLAMSTATE KERALA 682004KOLLAMKERALAsbi.10568@sbi.co.inTHIRUVANANTHAPURAM
    7DEOLISBIN00104891048915 PATEL NAGAR BEHIND PETROL PUMP DEOLI DISTT TONK RAJASTHAN 304804TONKRAJASTHANsbi.10489@sbi.co.inJAIPUR
    8SADULPUR (RAJGARH)SBIN001045610456DIST CHURU RAJASTHAN 331023CHURURAJASTHANsbi.10456@sbi.co.inJAIPUR
    9DODDACHINNAHALLISBIN000991809918VIA OORGAUM POST, KGF BANGARPET TALUK, KOLAR, KARNATAKA 563120KOLARKARNATAKAsbi.09918@sbi.co.inBENGALURU
    10MAHAR REG CENTRE,CANTT SAGARSBIN000987909879LAL KURTI BAZAR ,SAGAR CANTONMENT,SAGR PIN - 470001SAGARMADHYA PRADESHsbi.09879@sbi.co.inBHOPAL
    11A F S MAKARPURA BARODASBIN000916309163AIR FORCE STATION, MAKARPURA, BARODA, GUJARAT, PIN 390018BARODAGUJARATsbi.09163@sbi.co.inAHMEDABAD
    12JAIL ROAD(LUCKNOW)SBIN000901909019BANGLA BAZAROPP. ASIANA COLONYLUCKNOW PIN - 226012LUCKNOWUTTAR PRADESHsbi.09019@sbi.co.inLUCKNOW
    13NAMKUM (RANCHI)SBIN000901109011PO.NAMKUM,RANCHI,JHARKHAND,PIN.834010RANCHIJHARKHANDsbi.09011@sbi.co.inPATNA
    14CHICKMAGALURSBIN000873208732YASHORAMA BLDG, RATNAGIRI RD, CHIKMANGALUR, KARNATAKA 577101CHIKMAGALURWEST BENGALsbi.08732@sbi.co.inBENGALURU
    15RAKSHAVIHARSBIN000872108721MOMMOE BAY, PO JUNCLICKAL, ANDAMAN AND NICOBAR744103SOUTH ANDMANPORT BLAIRsbi.08721@sbi.co.inKOLKATA LHO
    16BADMALSBIN000870308703ORDINANCE FACTORY ROAD, TITLAGARH DISTT. BALANGIR ORISSA 767770BALANGIRODISAsbi.08703@sbi.co.inBHUBANESHWAR
    17ABHAYAPURISBIN000846208462MAIN ROAD,DIST BONGAIGAON, ASSAM 783384BONGAIGAONASSAMsbi.08462@sbi.co.inGUWAHATI (NORTH EAST
    18TREASURY BRANCH,DHULESBIN000825408254BEHIND KRISHNAKAMAL SHOPPING COMP., SAKRI ROAD, DISTT. DHULE, MAHARASHTRA 424001DHULEMAHARASHTRAsbi.08254@sbi.co.inMAHARASHTRA
    19DEFENCE BANKING BRANCH, 39 GTC, VARANASISBIN00080720807239,GORKHA TRAINING CENTRE,VARANASI,U.P.,PIN 221002VARANASIUTTAR PRADESHsbi.08072@sbi.co.inLUCKNOW
    20KHARKUTTASBIN000797707977DIST EAST GARO HILLS,MEGHALAYA-7831134EAST GARO HILLSMEGHALAYAsbi.07977@sbi.co.inGUWAHATI (NORTH EAST
    21ZAMANIASBIN000780807808DISTGHAZIPUR UTTAR PRADESH 232329GAZIPURUTTAR PRADESHsbi.07808@sbi.co.inLUCKNOW
    22SURATGARHSBIN000777407774MAIN MARKET,DISTGANGANAGAR RAJASTHAN 335804GANGANAGARRAJASTHANsbi.07774@sbi.co.inJAIPUR
    23KANDRAURSBIN000746007460BILASPUR STATE HIMACHAL PRADESH PIN174004BILASPURHIMACHAL PRADESHsbi.07460@sbi.co.inCHANDIGARH
    24AIR FORCE STATION CHABUASBIN000742607426BAGDUNG MOUZA,DIST DIBRUGARHSTATE ASSAMPIN 786102DIBRUGARHASSAMsbi.07426@sbi.co.inGUWAHATI (NORTH EAST
    25BISHNUPURSBIN000738807388PO-BIJNI STATE-ASSAM-783390CHIRANGASSAMsbi.07388@sbi.co.inGUWAHATI (NORTH EAST
    26UMROI CANTONMENTSBIN000733407334PO-BARAPANI,RI BHOI MEGHALAYA 783103RI BHOIMEGHALAYAsbi.07334@sbi.co.inGUWAHATI (NORTH EAST
    27BHATTUKALANSBIN000718607186ANAJ MANDI,FATEHABAD STATE HARYANA PIN 125053FATEHABADHARYANAsbi.07186@sbi.co.inCHANDIGARH
    28LADNUNSBIN000709307093RAHU GATE,DIST NAGAUR RAJASTHAN 341306NAGAURRAJASTHANsbi.07093@sbi.co.inJAIPUR
    29HINDAUN CITYSBIN000709207092NEAR AMAN HOSPITAL, DISTT. KARAULI, RJASTHAN 322230KARAULIRAJASTHANsbi.07092@sbi.co.inJAIPUR
    30PEDAGANTYADASBIN000708707087BALACHERUVU ROAD, VISAKHAPATNAM, A.P., PIN 530044VISHAKAPATNAMANDHRA PRADESHsbi.07087@sbi.co.inAMARAVATHI
    31MANKUNDUSBIN000677206772 J C KHAN ROAD DISTT HOOGLY WEST BENGAL 712139HOOGHLYWEST BENGALsbi.06772@sbi.co.inKOLKATA LHO
    32LATURSBIN000675606756CHANDR AGAR KAKU SETH,DIST LATUR, MAHARASHTRA 413512LATURMAHARASHTRAsbi.06756@sbi.co.inMAHARASHTRA
    33OMERGASBIN000675506755MANIKWARA COMPLEX,OSMANABAD, MAHARASHTRA 413606OSMANABADMAHARASHTRAsbi.06755@sbi.co.inMAHARASHTRA
    34MANIK CHAWKSBIN000666406664MANIKCHAWKDT MALDA-732202MALDAWEST BENGALsbi.06664@sbi.co.inKOLKATA LHO
    35KUPWARASBIN000666006660KUPWARA JAMMU AND KASHMIR 193222KUPWARAJAMMU AND KASHMIRsbi.06660@sbi.co.inCHANDIGARH
    36ADB JHINJHAKSBIN000658906589JHINJHAKK ANPURDEHAT-209302KANPUR DEHATUTTAR PRADESHsbi.06589@sbi.co.inLUCKNOW
    37CHAMBASBIN000653406534BLOCK ROAD CHAMBA,DIST TEHRI GARHWAL, UTTARANCHAL 249145TEHRI-GARHWALUTTARAKHANDsbi.06534@sbi.co.inNEW DELHI
    38SURENDRANAGARSBIN000649806498SHUBH LAKSHMI AVENU , HANDLOOM ROAD, SURENDRANAGAR, GUJARAT - 363001SURENDRANAGARGUJARATsbi.06498@sbi.co.inAHMEDABAD
    39NIMAPARASBIN000648006480DIST PURI, ORISSA 752 106PURIODISHAsbi.06480@sbi.co.inBHUBANESHWAR
    40MAHESBIN000640706407POST.BOX.NO.3,PRESIDENCY.ROAD,UNION.TERRITORY.OF.PONICHERRY,MAHE,PIN.673310MAHEPUDUCHERRYsbi.06407@sbi.co.inTHIRUVANANTHAPURAM
    41SONAULISBIN000636406364DIST MAHARAJGANJ, UTTAR PRADESH 273164SUNBHADRAUTTAR PRADESHsbi.06364@sbi.co.inLUCKNOW
    42BARNALASBIN000634106341COLLEGE ROAD BARNALA, STATE PUNJAB PIN 148 101SANGRURPUNJABsbi.06341@sbi.co.inCHANDIGARH
    43MORIGAONSBIN000630906309DIST MORIGAON ASSAM-782105MORIGAONASSAMsbi.06309@sbi.co.inGUWAHATI (NORTH EAST
    44AIR FORCE STATION,JAMNAGARSBIN000628006280JAMNAGAR, GUJARAT-361003JAMNAGARGUJARATsbi.06280@sbi.co.inAHMEDABAD
    45CHURACHANDPURSBIN000618206182TIDDIM ROAD, DIST CHURACHANDPUR , MANIPUR 795128CHURACHANDPURMANIPURsbi.06182@sbi.co.inGUWAHATI (NORTH EAST
    46BEOHARISBIN000607506075NEAR BUS STAND SHAHDOL,BEOHARI-484774SHAHDOLMADHYA PRADESHsbi.06075@sbi.co.inBHOPAL
    47ADB BEHRODSBIN000594505945COURT ROAD, DIST-ALWAR, RAJASTHAN 301701ALWARRAJASTHANsbi.05945@sbi.co.inJAIPUR
    48CHAMPHAI BRANCHSBIN000582305823C DANGA VALLEY,DIST-CHAMPHAI MIZORAM 796321CHAMPHAIMIZORAMsbi.05823@sbi.co.inGUWAHATI (NORTH EAST
    49MAIN BR KHAMMAMSBIN000581705817WYRA ROAD,KHAMMAM,ANDHRA PRADESH,PIN 507001KHAMMAMTELANGANAsbi.05817@sbi.co.inHYDERABAD
    50NAGRASBIN000578505785DIST SARAN, BIHAR 841442SARANBIHARsbi.05785@sbi.co.inPATNA
    51MISSION CHARALI (TEZPUR)SBIN000578305783TEJPUR,SONITPUR ASSAM 784506SONITPURASSAMsbi.05783@sbi.co.inGUWAHATI (NORTH EAST
    52MATHURA CANTT.SBIN000571605716CIVIL LINES, DIST MATHURA, UTTAR PRADESH 281002MATHURAUTTAR PRADESHsbi.05716@sbi.co.inNEW DELHI
    53JAIPUR MILITARY STATIONSBIN000570805708JAIPUR CANTT BRANCH,JAIPUR ,RAJASTHAN ,PIN - 302012JAIPURRAJASTHANsbi.05708@sbi.co.inJAIPUR
    54KAYAMKULAMSBIN000562605626NELSON COMPLEX, ALLEPPEY, ALAPUZA, KERALA, 690502ALAPUZZHAKERALAsbi.05626@sbi.co.inTHIRUVANANTHAPURAM
    55CHENGANNURSBIN000562505625PB NO 9, M C ROAD, CHENGANNUR, ALAPUZA, KERALA, 689121ALAPUZZHAKERALAsbi.05625@sbi.co.inTHIRUVANANTHAPURAM
    56DAVANGERE MAINSBIN000562405624NO 44 BSC AVENUE AK KAMAHADEVI ROAD PJ EXT DAVANGERE KARNATAKA 577002DAVANAGAREKARNATAKAsbi.05624@sbi.co.inBENGALURU
    57HASSANSBIN000562205622SHARADA SHANKAR COMPLEX SUBHASH SQUARE DISTT HASSAN KARNATAKA 573201HASSANKARNATAKAsbi.05622@sbi.co.inBENGALURU
    58SHIMOGASBIN000561905619SHROFF COMP., M.V.RD., SHIVAMOGGA-577201SHIVAMOGGAKARNATAKAsbi.05619@sbi.co.inBENGALURU
    59CHITRADURGASBIN000561805618COTTON PLAZA,RMC YARD ROAD, DISTT. CHITRADURGA KARNATAKA 577501CHITRADURGAKARNATAKAsbi.05618@sbi.co.inBENGALURU
    60HAPPY VALLEY ( SHILLONG )SBIN000560505605EAST KHASI HILLS, MEGHALAYA ,793007 ,PIN - 793007EAST KHASI HILLSMEGHALAYAsbi.05605@sbi.co.inGUWAHATI (NORTH EAST
    61KATTAPPANA ADBSBIN000556005560OPP. POLICE STATION,KATTAPPANA,IDIKKI,KERALA,PIN 685508IDUKKIKERALAsbi.05560@sbi.co.inTHIRUVANANTHAPURAM
    62KAKIRASBIN000554505545VILL+POST-KAKIRA,DIST CHAMBA, HIMACHAL PRADESH 176313CHAMBAHIMACHAL PRADESHsbi.05545@sbi.co.inCHANDIGARH
    63OSIANSBIN000548405484TEH.ROAD OSIAN, DISTT. JODHPUR, RAJASTHAN 342303JODHPURRAJASTHANsbi.05484@sbi.co.inJAIPUR
    64NARAIN BAGGER V BSBIN000547805478THARALI ROAD,CHAMOLI STATE UTTARANCHAL PIN246455CHAMOLIUTTARAKHANDsbi.05478@sbi.co.inNEW DELHI
    65SHIVAJI PARK ALWARSBIN000529805298A-10, ASHOK VIHAR KARAMACHARI COLONY, SHIVAJI PARK, ALWAR, DSITT. ALWAR, RAJASTHANALWARRAJASTHANsbi.05298@sbi.co.inJAIPUR
    66DEFENCE BANKING BRANCH, SHAHJAHANPURSBIN000529705297NEAR ORDINANCE CLOTHING FACTORY SHAHAJANPUR DISTT SHAHJAHANPUR UP242001SHAHJAHANPURUTTAR PRADESHsbi.05297@sbi.co.inLUCKNOW
    67A.D.B. MOHINDERGARHSBIN000494604946CINEMA ROAD,DIST MAHENDRAGARH, HARYANA 123029MAHENDRAGARHHARYANAsbi.04946@sbi.co.inCHANDIGARH
    68CHANDELSBIN000493804938DIST,CHANDEL,MANIPUR,795127CHANDELMANIPURsbi.04938@sbi.co.inGUWAHATI (NORTH EAST
    69ORDNANCE FACTORY KATNISBIN000493704937ORDNANCE FACTORY , KATNI DIST,JABALPUR, MADHYA PRADESH ,483504 ,PIN - 483504KATNIMADHYA PRADESHsbi.04937@sbi.co.inBHOPAL
    70AIR FORCE STATION , SULUR COIMBATORESBIN000488204882COIMBATORE, TAMILNADU-641401COIMBATORETAMIL NADUsbi.04882@sbi.co.inCHENNAI
    71DEOGARHSBIN000485404854MAIN MARKET,DIST DEOGARH, ORISSA 768108DEOGARHODISHAsbi.04854@sbi.co.inBHUBANESHWAR
    72HAMIRPURSBIN000485104851MAIN BAZAR,DISTHAMIRPUR HIMACHAL PRADESH 177001HAMIRPURHIMACHAL PRADESHsbi.04851@sbi.co.inCHANDIGARH
    73VARANGAON ORDNANCE FACTORYSBIN000481904819ORDINANCE FACTORY, VARANGAON, JALGAON, MAHARASHTRA-425308JALGAONMAHARASHTRAsbi.04819@sbi.co.inMAHARASHTRA
    74CHAKDAHSBIN000474404744ADITYA SUPER MARKET,LALPUR,CHAKDAH,NADIA,WB741222NADIAWEST BENGALsbi.04744@sbi.co.inKOLKATA LHO
    75DEFENCE BANKING BRANCH, GORAKHPURSBIN000472904729AIR FORCE CAMPUS,DT GORAKHPUR, U P PIN 273 002GORAKPURUTTAR PRADESHsbi.04729@sbi.co.inLUCKNOW
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    343NOWGONGSBIN000028000280NOWGONG BKD , DISTT.CHHATARPUR, MADHYA PRADESH 471 201CHHATTARPURMADHYA PRADESHsbi.00280@sbi.co.inBHOPAL
    344SANGOLASBIN000027100271STATION ROAD,DIST SOLAPUR, MAHARASHTRA 413307SHOLAPURMAHARASHTRAsbi.00271@sbi.co.inMAHARASHTRA
    345BANKASBIN000024300243SHAKUNTALA MARKET,DIST BANKASTATE BIHARPIN 813102BANKABIHARsbi.00243@sbi.co.inPATNA
    346GANGTOKSBIN000023200232M.G.MARG,GANGTOK737101EAST SIKKIMSIKKIMsbi.00232@sbi.co.inKOLKATA LHO
    347SME BRANCH, INDUSTRIAL ESTATE, KANPURSBIN000021900219FAZALGANJ,KANPUR, DISTT. KANPUR NAGAR, UTTAR PRADESH 208012KANPUR NAGARUTTAR PRADESHsbi.00219@sbi.co.inLUCKNOW
    348UDAIPURSBIN000021600216P.B.NO.1,MELAR METH,RADHAKISHOREPUR P.O VIA AGARTALA-799120GOMATITRIPURAsbi.00216@sbi.co.inGUWAHATI (NORTH EAST
    349KATIHARSBIN000020300203MIRCHAIBARI, KATIHAR-854105, BIHARKATIHARBIHARsbi.00203@sbi.co.inPATNA
    350UNNAOSBIN000020000200SADAR BAZAR, UNNAO, U.P.-209801UNNAVUTTAR PRADESHsbi.00200@sbi.co.inLUCKNOW
    351TINSUKIASBIN000019600196A T ROAD, TINSUKIA786125TINSUKIAASSAMsbi.00196@sbi.co.inGUWAHATI (NORTH EAST)
    352SUPAULSBIN000019000190MAHAVIR CHOWK,DISTSUPAUL BIHAR 852131SUPAULBIHARsbi.00190@sbi.co.inPATNA
    353SUNDARGARHSBIN000018900189SUNDARGARH, ORISSA-770001SURENDRANAGARODISHAsbi.00189@sbi.co.inBHUBANESHWAR
    354SULTANPUR (OUDH)SBIN000018800188CIVIL LINES, SULTANPUR-228001SULTANPURUTTAR PRADESHsbi.00188@sbi.co.inLUCKNOW
    355SILCHARSBIN000018300183PARK RD., SILCHAR788001CACHARASSAMsbi.00183@sbi.co.inGUWAHATI (NORTH EAST
    356SIBSAGARSBIN000018200182A.T.RD., SIVASAGAR785640SIBSAGARASSAMsbi.00182@sbi.co.inGUWAHATI (NORTH EAST
    357SAMBALPURSBIN000017500175KATCHERI RD, SAMBALPUR-768001SAMBALPURODISHAsbi.00175@sbi.co.inBHUBANESHWAR
    358SAHIBGANJSBIN000017300173MAHAJAN PATH,DISTSAHIBGANJ JHARKHAND 816109SAHEBGANJJHARKHANDsbi.00173@sbi.co.inPATNA
    359RAMGARH CANTTSBIN000016400164DIST HAZARIBAGH, JHARKHAND 829122HAZARIBAGHJHARKHANDsbi.00164@sbi.co.inPATNA
    360KOLKATA LHOSBIN000016200162RAIGUNJ, DT UTTAR DINAJPUR, W BENGAL 733134UTTAR DINAJPURWEST BENGALsbi.00162@sbi.co.inKOLKATA LHO
    361PURULIASBIN000016000160COURT RD., PURULIA, W.BENGAL 723101PURULIYAWEST BENGALsbi.00160@sbi.co.inKOLKATA LHO
    362PURNEASBIN000015900159KALA BHANAN RD., PURNEA-854301, BIHARPURNEABIHARsbi.00159@sbi.co.inPATNA
    363PRATAPGARHSBIN000015700157KATCHERY.RD.,PRATAPGARH,U.P.PRATAPGARHUTTAR PRADESHsbi.00157@sbi.co.inLUCKNOW
    364PARLAKHEMUNDISBIN000015100151R.K.PADHY MARG,PARALAKHEMUNDI,GAJAPATI,ORISSA-761200GAJAPATIODISHAsbi.00151@sbi.co.inBHUBANESHWAR
    365NAGAON - ASSAMSBIN000014600146P.O. NAGAON, ASSAM782001NAGAONASSAMsbi.00146@sbi.co.inGUWAHATI (NORTH EAST
    366NORTH LAKHIMPURSBIN000014500145D K ROAD,LAKHIMPUR, ASSAM787001LAKHIMPURASSAMsbi.00145@sbi.co.inGUWAHATI (NORTH EAST
    367NAYAGARHSBIN000014300143NAYAGARH-752069NAYAGARHODISHAsbi.00143@sbi.co.inBHUBANESHWAR
    368NAWADASBIN000014100141KACHAHRI ROAD,DISTNAWADAH BIHAR 805110NAWADABIHARsbi.00141@sbi.co.inPATNA
    369MUZAFFARPURSBIN000013800138RED CROSS BUILDING,MUZAFFARPUR, BIHAR, PIN 842001MUZAFFARPURBIHARsbi.00138@sbi.co.inPATNA
    370MANGALDAISBIN000013000130MANGALDAI, DISTT. DARRANG, ASSAM 784125DARRANGASSAMsbi.00130@sbi.co.inGUWAHATI (NORTH EAST
    371MADHUBANISBIN000012700127RED CROSS RD., MADHUBANI, BIHAR-847211MADHUBANIBIHARsbi.00127@sbi.co.inPATNA
    372MADHIPURASBIN000012600126STATE BANK ROAD,DIST MADHIPURA, BIHAR 852213MADHEPURABIHARsbi.00126@sbi.co.inPATNA
    373KOKRAJHARSBIN000011900119COURT PARK,DIST KOKRAJHAR, ASSAM 783370KOKRAJHARASSAMsbi.00119@sbi.co.inGUWAHATI (NORTH EAST
    374KHURDASBIN000011600116STATE BANK SQUARE,DISTT. KHURDA, ORISSA 752055KHURDAODISHAsbi.00116@sbi.co.inBHUBANESHWAR
    375KEONJHARSBIN000011300113KEONJHAR, ORISSA-758001KEONJHARODISHAsbi.00113@sbi.co.inBHUBANESHWAR
    376KENDRAPARASBIN000011200112AT MAHIPAL P.O. , DISTT. KENDRAPARA, ORISSA-754211KENDRAPARAODISHAsbi.00112@sbi.co.inBHUBANESHWAR
    377KARWISBIN000011000110STATION RD., OPP. KOTWALI, KARWI, CHITRAKOOT, U.P.210205BANDAUTTAR PRADESHsbi.00110@sbi.co.inLUCKNOW
    378KARIMGANJSBIN000010900109MAIN RD, P O KARIMGANJ, ASSAM, PIN 788710KARIMGANJASSAMsbi.00109@sbi.co.inGUWAHATI (NORTH EAST
    379JORHATSBIN000010400104A.T. RD., JORHAT, PIN785001JORHATASSAMsbi.00104@sbi.co.inGUWAHATI (NORTH EAST
    380JEHANABADSBIN000010000100DISTJEHANABAD BIHAR 804408JEHANABADBIHARsbi.00100@sbi.co.inPATNA
    381JAUNPURSBIN000009900099CIVIL LINES,JAUNPUR-222002JAUNPURUTTAR PRADESHsbi.00099@sbi.co.inLUCKNOW
    382JAMSHEDPURSBIN000009600096P.O. BISTUPUR, JAMSHEDPUR, JHARKHAND- 831 001PURBI SINGHBHUMJHARKHANDsbi.00096@sbi.co.inPATNA
    383JAJPUR TOWNSBIN000009400094AT BY P.OJAJPUR,DI. JAJPUR,ORISSA,PIN 755001JAJPURODISHAsbi.00094@sbi.co.inBHUBANESHWAR
    384IMPHALSBIN000009200092THANGAL BAZAR, IMPHAL WEST, IMPHAL795001IMPHAL WESTMANIPURsbi.00092@sbi.co.inGUWAHATI (NORTH EAST
    385PATNASBIN000008800088CINEMA RD., HAJIPUR, BIHAR, PIN-844101VAISHALIBIHARsbi.00088@sbi.co.inPATNA
    386HAILAKANDISBIN000008700087SARDAR BALLABH BHAI PATEL ROAD-788151HAILAKANDIASSAMsbi.00087@sbi.co.inGUWAHATI (NORTH EAST
    387GOPALGANJSBIN000008500085MUNIA CHOWK, GOPALGANJ, BIHAR-841428GOPALGANJBIHARsbi.00085@sbi.co.inPATNA
    388GONDASBIN000008400084MALVIYA NGR,GONDA,U.P-271001GONDAUTTAR PRADESHsbi.00084@sbi.co.inLUCKNOW
    389GOLAGHATSBIN000008300083KUSHAL PATH, NEW AMOLA PATTY,P.O.GOLAGHAT, PIN785621GOLAGHATASSAMsbi.00083@sbi.co.inGUWAHATI (NORTH EAST
    390GOALPARASBIN000008200082DISTGOALPARA ASSAM 783101GOALPARAASSAMsbi.00082@sbi.co.inGUWAHATI (NORTH EAST
    391FORBESGANJSBIN000007700077POST OFFICE CHOWK, DISTARARIA BIHAR 854318ARARIABIHARsbi.00077@sbi.co.inPATNA
    392FATEHPUR (DIST. FATEHPUR)SBIN000007600076CIVIL LINES, FATEHPUR, U P, PIN 212601FATEHPURUTTAR PRADESHsbi.00076@sbi.co.inLUCKNOW
    393FAIZABADSBIN000007500075CIVIL LINES, FAIZABAD-224001FAIZABADUTTAR PRADESHsbi.00075@sbi.co.inLUCKNOW
    394DUMKASBIN000007300073DUMKA, COURT COMPOUND, DUMKA-814101DUMKAJHARKHANDsbi.00073@sbi.co.inPATNA
    395DIMAPURSBIN000007200072KOHIMA ROAD,DIST DIMAPUR, NAGALAND 797001DIMAPURNAGALANDsbi.00072@sbi.co.inGUWAHATI (NORTH EAST
    396DHENKANALSBIN000006800068DISTDHENKANAL ORISSA 759001DHENKANALODISHAsbi.00068@sbi.co.inBHUBANESHWAR
    397DHARAMNAGAR(DISTT N. TRIPURA)SBIN000006700067CENTRAL ROAD, DIST NORTH TRIPURA, TRIPURA 799250NORTH TRIPURATRIPURAsbi.00067@sbi.co.inGUWAHATI (NORTH EAST
    398DARJEELINGSBIN0000063000632,LADENLA RD.,DARJEELING-734101DARJEELINGWEST BENGALsbi.00063@sbi.co.inKOLKATA LHO
    399DARBHANGASBIN000006200062P.O. LAHERIASARAI, DARBHANGA, BIHAR - 846001DARBHANGABIHARsbi.00062@sbi.co.inPATNA
    400COOCH BEHARSBIN000005800058SAGARDIGHI SQUARE, PO DI. COOCHBEHAR, W.B.-736101COOCHBEHARWEST BENGALsbi.00058@sbi.co.inKOLKATA LHO
    401PATNASBIN000005200052SADAR BAZAR, MAIN RD., CHAIBASA, WEST SINGBHUM, JHARKHAND - 833201PASCHIMI SINGHBHUMJHARKHANDsbi.00052@sbi.co.inPATNA
    402BHADRAKSBIN000003600036KUTCHEHRY ROAD,DISTT. BHADRAK, ORISSA-756100BHADRAKODISHAsbi.00036@sbi.co.inBHUBANESHWAR
    403PATNASBIN000003500035TEEN LALTEN CHOWK, DIST PASCHIMI CHAMPARAN, BIHAR 845438WEST CHAMPARANBIHARsbi.00035@sbi.co.inPATNA
    404BERHAMPORE (W.B.)SBIN000003400034K.N.RD., BERHAMPORE, MURSHIDABAD-742101MURSHIDABADWEST BENGALsbi.00034@sbi.co.inKOLKATA LHO
    405BERHAMPUR GANJAMSBIN000003300033AT PO BERHAMPORE, GANIAM, ORISSA-760001GANJAMODISHAsbi.00033@sbi.co.inBHUBANESHWAR
    406BEGUSARAISBIN000003200032NR. PALIKA MARKET, BEGUSARAI-851101BEGUSARAIBIHARsbi.00032@sbi.co.inPATNA
    407BARIPADASBIN000002700027COLLEGE RD., BARIPADA, MAYURBHANJ-757001MAYURBHANJODISHAsbi.00027@sbi.co.inBHUBANESHWAR
    408BARGARHSBIN000002500025MAIN ROAD, AT AND PO BARGARH, ORISSA-768028BARGAHODISHAsbi.00025@sbi.co.inBHUBANESHWAR
    409BARA BANKISBIN000002300023NR. KUTCHAHERY, FAIZABAD RD., BARABONKI-225001BARABANKIUTTAR PRADESHsbi.00023@sbi.co.inLUCKNOW
    410BANKURASBIN000002200022MACHANTALA, BANKURA DI., W.BENGAL 722101BANKURAWEST BENGALsbi.00022@sbi.co.inKOLKATA LHO
    411BANDASBIN000002100021COURT COMPOUND,BANDA, U P, PIN 210001BANDAUTTAR PRADESHsbi.00021@sbi.co.inLUCKNOW
    412BALURGHATSBIN000002000020BALURGHAT,DAKSHIN DINAJPUR,WEST BENGAL733101DAKSHIN DINAJPURWEST BENGALsbi.00020@sbi.co.inKOLKATA LHO
    413BALLIASBIN000001700017NEAR MITHI CHORAHA, DISTBALLIA UTTAR PRADESH 277001BALIAUTTAR PRADESHsbi.00017@sbi.co.inLUCKNOW
    414BALASORESBIN000001600016VIVEKANAND MARG, BALASORE, ORISSA-756001BALASOREODISHAsbi.00016@sbi.co.inBHUBANESHWAR
    415BAHRAICHSBIN000001500015PADMA MKT.NR.CHITRASHALA TALKIES,BAHRAICH,U.P-271801BAHRAICHUTTAR PRADESHsbi.00015@sbi.co.inLUCKNOW
    416AZAMGARHSBIN000001400014CIVIL LINES, AZAMGARH, U.P.276001AZAMGARHUTTAR PRADESHsbi.00014@sbi.co.inLUCKNOW
    417ARASBIN000001000010NAVADA CHOWK, ARRAH, BIHAR-802301BHOJPURBIHARsbi.00010@sbi.co.inPATNA
    418ARAMBAGHSBIN000000800008LINK RD., P.O. ARAMBAGH, HOOGHLY DI., W.B. 712601HOOGHLYWEST BENGALsbi.00008@sbi.co.inKOLKATA LHO
    419ANGULSBIN000000700007ANGUL-759122ANGULODISHAsbi.00007@sbi.co.inBHUBANESHWAR
    420AKBARPUR (DIST AMBEDKAR NAGAR)SBIN000000300003AMBEDKAR NAGAR UTTAR PRADESH PIN 224122KANPUR DEHATUTTAR PRADESHsbi.00003@sbi.co.inLUCKNOW
    421AGARTALASBIN000000200002H.G.BASAK RD., AGARTALA, TRIPURA-779001WEST TRIPURATRIPURAsbi.00002@sbi.co.inGUWAHATI (NORTH EAST
    422SULTHAN BATHERYSBIN007019370193PB No-1, A E BUILDING, MYSORE ROAD, WAYANAD, PIN-673592WAYNADKERALAsbi.70193@sbi.co.inTHIRUVANANTHAPURAM
    423DAULATPUR CHOWKSBIN005016350163VPO- DAULATPUR, TEHSIL-AMB, DISTRICT-UNA, HIMACHAL PRADESH. PIN-177204UNAHIMACHAL PRADESHsbi.50163@sbi.co.inCHANDIGARH
    424AZAD CHOWK, KHERWARASBIN003122031220AZAD CHOWK KHERWARA, DIST-UDAIPUR, RAJASTHAN-313803UDAIPURRAJASTHANsbi.31220@sbi.co.inJAIPUR
    425JhajjarSBIN005010150101KANWAR SINGH COLONY, ROHTAK RAOD JHAJJAR, HARYANA-124103JhajjarHARYANAsbi.50101@sbi.co.inCHANDIGARH
    426SHERGARHSBIN003120731207SHERGARH, DIST-KODHPUR, RAJASTHAN-342022KODHPURRAJASTHANsbi.31207@sbi.co.inJAIPUR
    427NURPUR BEDI-ADBSBIN005016650166NURPURBEDI, TEHSIL-ANANDPUR SAHIB, DIST-ROPAR, PUNJAB-140117ROPAR,PUNJABsbi.50166@sbi.co.inCHANDIGARH
    428KONNISBIN007006270062OMKAR MANDIR, MAIN ROAD KONNI, KONNI PO, DIST-PATHANAMTHITTA, KERALAPATHANAMTHITTAKERALAsbi.70062@sbi.co.inTHIRUVANANTHAPURAM
    429DERABASSISBIN005002250022TEHSIL DERA BASSI, DIST-MOHALI, PUNJAB-140507MOHALIPUNJABsbi.50022@sbi.co.inCHANDIGARH
    430SOJAT ROAD A.D.B.SBIN003140431404MAIN MARKET, SOJAT ROAD, PALI MARWAR, RAJASTHAN-306103PALI MARWARRAJASTHANsbi.31404@sbi.co.inJAIPUR
    431CHANDIMANDIRSBIN005019550195HEAD QUARTER WESTERN COMMAND,CHANDIMANDIR CANTT, DIST-PANCHKULA, HARYANA-134109PANCHKULAHARYANAsbi.50195@sbi.co.inCHANDIGARH
    432KOLARGOLDFIELDSSBIN004008940089PB NO-3, BM ROAD, SURAJ CIRCLE, ROBERT SONPET, KGF, KOLAR, KARNATAKA-563122KOLARKARNATAKAsbi.40089@sbi.co.inBENGALURU
    433EDDU MAILARAM ORDNANCE FACTORYSBIN002053720537ORDINANCE FACTORY ESTATE, EDDUMYLARAM, SANGAREDDY, TELANGANA-502205SANGAREDDYTELANGANAsbi.20537@sbi.co.inHYDERABAD
    434NILAMBUR TOWNSBIN007019470194PB NO-I, HIGLAND COMPLEX, PALACE ROAD, KERALA-679329MALLAPURAMKERALAsbi.70194@sbi.co.inTHIRUVANANTHAPURAM
    435Station road, ChirawaSBIN003112831128CHIRAWA, JHUNJHUNU, DIST-JHUNJHUNU, RAJASTHAN-333026JHUNJHUNURAJASTHANsbi.31128@sbi.co.inJAIPUR
    436PHULE NAGAR AHMEDPURSBIN002004120041MAHATMA PHULE NAGAR, OPP YESWANT VIDYALAYA, AHMEDPUR, DIST-LATUR, MAHARASHTRA-413515LATURMAHARASHTRAsbi.20041@sbi.co.inMAHARASHTRA
    437BUS STAND, BHADRASBIN003115231152BAHADRA, HANUMANGARH, DIST-HANUMANGARH, RAJASTHAN-335501HANUMANGARHRAJASTHANsbi.31152@sbi.co.inJAIPUR
    438AMLOHSBIN005001850018FATEHGARH SAHIB, DIST-FATEHGARH SAHIB, PUNJAB-147203FATEHGARH SAHIBPUNJABsbi.50018@sbi.co.inCHANDIGARH
    439MANDHANSBIN003146431464MANDHAN, DIST-ALWAR, RAJASTHAN-301704ALWARRAJASTHANsbi.31464@sbi.co.inJAIPUR
    440SRIRAMPETSULLIASBIN004022540225PB NO-1, SRIRAM PET, SAIRAM COMPLEX, MAIN ROAD, SULLIA, DIST-DAKSHINA KANNADA, KARNATAKA-574239DAKSHINA KANNADAKARNATAKAsbi.40225@sbi.co.inBENGALURU
    441MADINA MARKET, SADULPURSBIN003114231142SBI MADINA MARKET, DIST-CHURU, RAJASTHAN-331023CHURURAJASTHANsbi.31142@sbi.co.inJAIPUR
    442HINDOLISBIN003124831248HINDOLI, DIST-BUNDI, RAJASTHAN-323002BUNDIRAJASTHANsbi.31248@sbi.co.inJAIPUR
    443BIKANER PUBLIC PARKSBIN003116231162GANGA NIWAS, PUBLIC PARK, PB NO-1, DIST-BIKANER, RAJASTHAN-334001BIKANERRAJASTHANsbi.31162@sbi.co.inJAIPUR
    444JAHAJPURSBIN003110031100JAHAJPUR, DIST-BHILWARA, RAJASTHAN-305409BHILWARA,RAJASTHANsbi.31100@sbi.co.inJAIPUR
    445BHATINDA CANTTSBIN005065750657BHATINDA, DIST- BHATINDA, PUNJAB-151001BHATINDA,PUNJABsbi.50657@sbi.co.inCHANDIGARH
    446KOTA ROAD, DEOLISBIN003109031090DEOLI, DIST-TONK, RAJASTHAN-304804TONK,RAJASTHANsbi.31090@sbi.co.inJAIPUR
    447Kargil1390Dist-Kargil, Sate: Ladakh, PIN:194103KargilLadakhsbi.01390@sbi.co.inCHANDIGARH

    All Those who received msg from the Bank for their Pension A/C migrated to SPARSH. Please wait to receive your User ID & Password from SPARSH and follow these procedures as given below.

    After you get Sparsh user ID and password the procedure detailed step-by-step:-

    1. Goto https://sparsh.defencepension.gov.in and click on Login.
    2. Enter both User name (14 digit) and password received from PCDA (your user name is your SPARSH PPO number suffixed by 01. If password is not received, go to ‘Forgot password option, and key in OTP received on registered mobile. You will get initial password). Check I’m not a robot’ Check box on the left side and click Submit
    3. Enter a new password (should have one each Capital letter, small letter, special characters @/#/&, number). Please keep the user ID / password in safe custody for future use.
    4. Log out from SPARSH.
    5. Login again using the new password.
    6. The alert screen shall come on. Read the instructions and click ‘OK’.
    7. An Acknowledgement (Undertaking of Refund of Excess Payment) appears. Read the same and click ‘Next’.
    8. An Acknowledgement (Consent to use Aadhaar to avail pensionary benefits through SPARSH) appears. Below the message ‘I Agree’, click ‘Yes’ & then click ‘Next’.
    9. An Acknowledgement (Consent for receiving notifications on mobile number and email ID) appears. Read the same and click ‘ESign Declaration’.
    10. You will be redirected to the C-DAC website for confirmation and to eSign the declaration. Read the same and click OK.
    11. On the C-DAC screen, select ‘Aadhar Number.’
    12. Enter your Aadhar No in the text box.
    13. Select ‘Aadhar OTP’ Declaration Box. Click and and ensure that the tick mark appears. Click on ‘GET OTP.’
      You will get a six digit OTP on your registered mobile number linked to Aadhar. Enter this OTP and click on Submit.
      Submit click .
    14. A message appears “We are processing your request, please wait…. .”
    15. Once Processing complete, you will get an Acknowledgement, below which a message ‘Declarations file esigned successfully’ appears. Click on ‘Submit.’
    16. A confirmation messsage (Do you wish to submit Declaration?) appears. Click on OK.
    17. An acknowledgement (Your data has been submitted successfully…….. You will now be redirected to ‘Track Status’ ……….) message appears. Click on ‘OK.’
    18. Ón the Next screen that appears, click on ‘Refresh’, after which a Screen/information appears.
    19. Log out and log in back again.
    20. In the Screen click on the menu (three horizontal lines button). Click on ‘My Profile.’
    21. Click on ‘Manage Profile’ and update Profile (Personal, Service, Family, Bank, Other, Nominee, Documents), while clicking Next and finally click Update. (Note – To Amend Data : you need to click Mark / Symbol in the Action column. Or left side near Details you will see a pencil symbol, click and amend / do correction.)
      This completes the Personal Data Verification (PDV) process.
    22. Log Out.

    NGIF Benefits

    Retiring / discharged naval personnel are also entitled to Naval Group Insurance Fund (NGIF) survival benefits, in addition to the above pensionary benefits. Single non-refundable term premium at the rate of Rs. 62,100/- will, however, be retained out of the survival benefit of NGIS payable on retirement, for PRDIES Scheme (see below).

    Post Retirement Death Insurance Extension Scheme (PRDIES)

    The ‘Post Retirement Death Insurance Extension Scheme 1982’ (PRDIES) scheme, providing extended insurance cover for death after retirement from service, was introduced w.e.f 01 Jan 82. The scheme will be compulsory for all retiring Naval members of the existing Naval Group Insurance Scheme, including those re-employed after retirement. One-time non-refundable term premium at the rate of Rs. 62,100 is deducted from the survival benefit of NGIS payable at the time of retirement, to provide a term insurance cover of Rs 10 lacs. No payment or refund of any kind is admissible out of this premium for PRDIES to the individuals who exit the scheme by survival beyond the period of Extended Insurance Cover. The PRDIES Insurance Certificates and related documents in case of officers are issued by NGIS section of DNPF/Integrated HS, MOD (Navy) at the time of their retirement/release from service on receipt of completed application forms for PRDIES.

    Veterans are to ensure that they make out a valid nomination in the application form for PRDIES. If a veteran is to, unfortunately, die within the period of insurance cover, the nominees/beneficiaries are to submit an insurance claim and relevant documents, whereupon Insurance Benefits will be paid in a lump sum to them. In the absence of a valid nomination, the insurance benefits will be paid in accordance with the Will / personal law of the deceased member.

    Gratuity

    Service personnel who have completed five years of total Qualifying Service and are eligible for Service/Retiring/ Disability/Invalid Gratuity and Pension shall be eligible for Retirement Gratuity. The Retirement Gratuity is payable at ¼ of the Reckonable Emoluments for each six monthly period of qualifying service subject to a maximum of Rupees Twenty Lakhs only. The minimum period of qualifying service is ten years for earning Retiring/ Service Gratuity in the case of Permanent Commissioned Officers. SSC Officers are entitled to Terminal Gratuity at the rates of ½ a month’s Reckonable emoluments i.e. as applicable to Retiring Gratuity. An individual invalided out of service with a disability, neither attributable to nor aggravated by service, will be entitled to Invalid Gratuity, if he / she has actually rendered less than 10 years of service. (Authority:- MoD letter No. 1(6)/98-D(Pension/Services) dated 03 Feb 1998).

    Of the total Retirement Gratuity, NAVPEN will deduct Rs. 1,20,000 as one time subscription amount for ECHS Membership.

    Pensionary Benefits – Family Pension

    Ordinary Family Pension

    In case of death of an Armed Forces personnel after retirement with a Service/ Retiring/ Disability/ Invalid/ Special Pension, Ordinary Family Pension shall be admissible to the widow/ NoK. The ordinary family pension shall be calculated at 30% of Last drawn Reckonable Emoluments subject to a minimum of Rs. 9000/- p.m. and a maximum of 30% of the highest pay. 

    Consequent to the implementation of the SPARSH system, on the death of a pensioner, the spouse has to first report the death to SPARSH using this link (see video) and thereafter apply for family pension through this link (see video). A clarification on both these functions, issued by PCDA (P) may be accessed here. While it is assumed that the majority of pensioners would migrate to SPARSH, there may be some who prefer to continue with the legacy system of getting the pension through Pension Disbursing Banks, for which this letter is required to intimate the banks about the demise of the pensioner and commencement of the family pension. It has however been observed that often on the death of a pensioner, the spouse/family members of the deceased pensioner are asked by the Pension Disbursing Banks to submit details and documents, which are otherwise not required for commencement of family pension. This amounts to harassment of the spouse and family members and often leads to avoidable delay in commencement of family pension by the Banks. Accordingly, the Dept of Pensions and Pensioners Welfare, Govt. of India has issued a letter to the CMDs/CPPCs of banks reiterating the documents required and requesting them to refrain from seeking unnecessary documentation.

    Eligible Members of Family for Ordinary Family Pension

    The following are considered as eligible members of a deceased veteran’s family entitled to ordinary family pension:-

    • Wife lawfully married before or after retirement
    • A judicially separated wife
    • Son below the age of 25 years and unmarried daughter (including those illegitimate and adopted legally before or after retirement) or till the date of earning livelihood whichever is earlier.
    • Widowed/ divorced daughter up to the date of re-marriage and until the earning is not more than Rs. 3500/- + DR p.m. whichever is earlier.
    • Parents wholly dependent when the officer has not left behind a widow/ widower, eligible son or daughter or a widowed/ divorced daughter and the earning of the parent is not more than Rs. 3500/- + DR p.m. The beneficiary is required to furnish an income certificate by themselves. The family pension to parents will be admissible with effect from 1.1.1998 but will cover cases where the death occurred even prior to 1.1.1998). In the case of parents, the mother will receive the pension first.
    Other Eligible Family Members

    In addition to above, the following members are also eligible for ordinary family pension:-

    • Handicapped children- son or daughter suffering from any disorder of disability of mind or physically crippled or disabled so as to render him unable to earn a living even after attaining the age of 25 years.
    • Post retiral spouses.
    • Children born out of void or voidable marriage.
    • Children born from divorced wife where conception took place before divorce.
    Family Categories

    For the purpose of grant of family pension, the Family has been categorized into two categories as follows:-

    • Category I
      • Widow or widower, up to the date of death or re-marriage whichever is earlier.
      • Son / daughter (including widowed daughter), up to the date of his / her marriage / re-marriage or till the date she starts earining or up to the date of death, whichever is earlier.
    • Category II
      • Unmarried / widowed / Divorced daughter not covered by Category I above up to the date of marriage / re-marriage or till the date she starts earining or up to the death of death, whichever is earlier.
      • Parents who were wholly dependent on the Armed Forces personnel when he / she was alive provided the deceased personnel had left behing neither a widow nor a child.
    Enhanced Family Pension

    Where a veteran officer dies after retirement with pension, having rendered not less than 7 years as a pensioner, the enhanced rate of family pension is admissible for 7 years from the date of his death or up to the date he would have attained the age of 67 years, whichever is earlier. The amount of enhanced rate whall be the lowest of the following amounts:-

    • 50% of the reckonable emoluments
    • Amount of retiring/ invalid/ service element of disability pension.

    The maximum amount of enhanced rate of Family Pension shall be 50% of the highest pay in the Govt.

    (Authority-: MoD letters No 17 (4)/2008/D(Pen/Pol) dated 12 Nov 08, No.16(6)2008 (2) /D(Pension/Policy) dated 05 May 09 and No. 17(4)/2008(2)/D(Pen/Policy) dated 05 Jun 09, 17(02)/2016-D(Pen/Pol) dated 04 Sep 2017)