CPAO Directs Banks to Ensure Monthly Pension Payment Slips for All Central Civil Pensioners

In a fresh reminder aimed at improving communication with pensioners, the Central Pension Accounting Office (CPAO), Ministry of Finance, has once again instructed all authorised banks to invariably issue Pension Payment Slips every month to Central Civil Pensioners and Family Pensioners after the credit of pension.

The latest Office Memorandum, dated 25 November 2025, reiterates that despite earlier instructions, the CPAO continues to receive grievances from pensioners regarding non-receipt of pension slips. The OM refers to the earlier communication issued on 28 February 2024 (OM No. CPAO/Co-ord/B-CDN/Misc.(03)/2023-24/877-902), which had already outlined the guidelines for issuing monthly pension slips.

Banks Told to Send Pension Slips Through All Available Modes

CPAO has instructed all CPPCs of authorised banks to ensure that pension payment slips are issued through various modes, including:

• Email
• SMS / WhatsApp (as indicated in earlier OM)
• Other available electronic modes

If a pensioner’s email ID is not available, banks have been asked to obtain it from the pensioner so that electronic delivery of the pension slip can be ensured.

The directive emphasizes that banks must issue the pension slip after every monthly credit of pension/family pension.

The instruction has been issued with the approval of the Chief Controller (Pensions).

Earlier Guidelines from February 2024 Recalled

The February 2024 OM had laid out detailed instructions for banks, including adopting a uniform, well-laid-out format for pension slips to enable easy readability for pensioners of all ages. It also enclosed a sample pension slip format, covering personal details, pension components, deductions, commutation details, nominees, tax summary, and other relevant fields.

Banks were allowed to modify the sample format as required, provided all mandatory information in the sample was included.

List of CPPCs Covered

The instructions apply to all CPPCs of authorised banks, including:

• Axis Bank, Mumbai
• Bank of Baroda, Gandhi Nagar
• Bank of India, Nagpur
• Bank of Maharashtra, Pune
• Canara Bank, Bengaluru
• Central Bank of India, Mumbai
• HDFC Bank, Noida
• ICICI Bank, Mumbai
• IDBI Bank, Mumbai
• Indian Bank, Chennai
• J&K Bank, Srinagar
• Kotak Mahindra Bank, Mumbai
• Multiple CPPCs of Punjab National Bank (Jaipur, Allahabad, Bhopal, Chandigarh, Chennai, Delhi, Kolkata, Ludhiana, Mumbai, Patna)
• Punjab & Sind Bank, Delhi
• Union Bank of India, Delhi
• United Commercial Bank, Nagpur

(Full list reproduced as per the annexure in the OM.)

Sample Pension Slip Format Provided

The enclosed sample format outlines all fields to be included, such as:

• Pensioner details
• Pension month
• PPO number, PAN, Aadhaar
• Nominee records
• Commutation instalments and dates
• Disability element details
• Life certificate dates
• Enhanced and ordinary family pension details
• Earnings (basic pension, DA/relief, allowances, arrears, etc.)
• Deductions (income tax, recovery of excess payment, commutation instalments)
• Projected tax summary
• Pension credited date

The slip also includes a note advising pensioners to download the ‘DIRGHAYU’ Mobile App (Android/iOS) or visit the CPAO website for details of past payments and grievance lodging.

View OM: