Pension not received or stopped? How to complain in India
Updated 2026-10 · General information, not legal advice.
Pension problems usually come from a missing document, a bank mismatch or a life certificate that was not recorded. Fix those first, then escalate in writing.
When to use this
- Your monthly pension has not been credited
- The pension was stopped without notice
- The amount is lower than your sanction order
Step by step
- 1
Check your PPO and bank details
Confirm the pension payment order number, account number, IFSC and that the life certificate is recorded.
- 2
Write to the pension paying bank and the sanctioning office
State the problem, attach the PPO and bank statement, and ask for a written reply with a date.
- 3
Raise it on CPGRAMS
If there is no action, file on the CPGRAMS portal under the department concerned.
- 4
Use RTI or a pension adalat
An RTI can ask what happened to your file. Departments also hold pension adalats for pending cases; ask your office when the next one is.
Key facts
- Keep the PPO, last pay certificate and bank statement
- Submit your life certificate on time every year
- Rules differ for central, state and EPS pensions
Get your free action plan
Tell us what happened. We show your options, draft the letters and track every deadline.
Common questions
Who do I complain to about a delayed pension?
The pension paying bank and sanctioning office first, then CPGRAMS and, for EPS pensions, EPFO.
Is there a fee?
No. Government grievance channels are free.