e-Pension refers to an electronic pension management system designed to streamline and automate the process of managing pension benefits for retirees. It offers a digital solution to simplify and expedite the disbursement of retirement income.

Read more
  • Peaceful Post-Retirement Life

  • Tax Free Regular Income

  • Wealth Generation to beat Inflation

We are rated~
58.9 Million
Registered Consumer
Insurance Partners
26.4 Million
Policies Sold

Invest ₹6,000/month & Get Tax Free Monthly Pension of ₹60,000

Get the best returns & make the most of your Golden years

We don’t spam
Please wait. We Are Processing..
Your personal information is secure with us
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs #Discount offered by insurance company
Get Updates on WhatsApp
We are rated~
58.9 Million
Registered Consumer
Insurance Partners
26.4 Million
Policies Sold

What is e-Pension?

e-Pension refers to various government initiatives across India that leverage Information and Communication Technology (ICT) to streamline the pension application and disbursement process. These initiatives aim to create an "employee-centric" workflow, focusing on the convenience and efficiency of the experience for retirees. The project aims to create a positive change from the current system, which relies on physical records and manual processes. It seeks to reduce the physical movement of files and papers, streamline processing and approvals, and enhance communication. The goal is to boost efficiency, transparency, and accountability, leading to quicker service delivery while ensuring all stakeholders are held accountable through the effective re-engineering of government business processes.

Benefits of e-Pension

There are various advantages to adopting e-Pension systems:

  • Faster Processing: e-Pension eliminates the need for manual application processing and physical file movement. This translates to quicker approvals and faster disbursement of pension benefits.

  • Enhanced Transparency: Online portals provide pensioners with real-time updates on the status of their applications, reducing uncertainty and anxiety.

  • Reduced Paperwork: e-Pension reduces the need for physical documents, simplifies the application process, and saves time and resources.

  • Improved Accuracy: Data entry errors are minimized through online forms, leading to more accurate pension calculations and disbursements.

  • Increased Accessibility: e-Pension portals are accessible 24/7, allowing pensioners to submit applications and track progress from the comfort of their homes.

  • Greater Accountability: The digital platform promotes transparency and accountability throughout the process, benefitting both pensioners and government agencies.

Examples of e-Pension Initiatives

Several Indian states have implemented e-Pension systems customized to their specific needs. Here are a few examples:

  • West Bengal: The Directorate of Pension, Provident Fund, and Group Insurance in West Bengal launched its e-Pension portal (https://wbepension.gov.in/) to serve employees of institutions receiving grants from the state government.

  • Kerala: The Kerala Pensioner Portal (https://pension.treasury.kerala.gov.in/
    index.php/login) provides information and services to pensioners in the state, including details on e-Pension disbursement options.

  • Rajasthan: The IFPMS 20 system in Rajasthan facilitates e-Pension applications for government employees (https://pension.rajasthan.gov.in/).

  • Delhi: While Delhi doesn't have a dedicated e-Pension portal yet, it utilizes the e-District platform (https://edistrict.delhigovt.nic.in/) for various citizen services, including some pension-related functionalities. Additionally, the New Delhi Municipal Council (NDMC) offers an online application system for specific pension schemes like Old Age Pension (https://online.ndmc.gov.in/pension/).

Invest More Get More
Invest ₹10K/Month YOU GET ₹1.5 LAKHS* MONTHLY PENSION View Plans
Invest ₹7K/Month YOU GET ₹1 LAKHS* MONTHLY PENSION View Plans
standard T&C Apply *

Challenges or Disadvantages of e-Pension

While e-Pension offers significant benefits, there are challenges that need to be addressed:

  • Digital Literacy: Not all pensioners, especially those from rural areas, may be comfortable using online platforms. Government initiatives need to include training programs and support mechanisms to bridge the digital divide.

  • Cybersecurity: Strong security measures are important to protect sensitive pensioner data from cyber threats.

  • Technical Infrastructure: Reliable internet connectivity across all regions is important for the seamless operation of e-Pension systems.


e-Pension represents a significant step forward in streamlining retirement benefits in India. As technology continues to evolve and digital literacy improves, e-Pension has the potential to revolutionize the experience for retirees, allowing them to enjoy their golden years with greater financial security and peace of mind.


  • What is the e-Pension portal?

    The e-Pension portal is an employee-centric, workflow-based strategic administrative reform initiative by the Directorate of Pension, Provident Fund and Group Insurance, Finance Department, Government of West Bengal. It provides a comprehensive solution for settling pension and other retirement benefits for employees of institutions receiving grants from the State Government.
  • Who benefits from the e-Pension portal?

    The e-Pension portal benefits all stakeholders involved in the pension process, from applicants to pension disbursement officers, by providing a single, unified platform.
  • What technologies does the e-Pension portal use?

    The e-Pension portal leverages Information & Communication Technologies (ICT) to streamline and enhance the pension settlement process.
  • How does the e-Pension portal improve the current system?

    The e-Pension portal aims to improve the current system by reducing reliance on physical records and manual procedures. It minimizes the physical movement of files and papers and speeds up processing, approvals, and communication.
  • What are the main objectives of the e-Pension portal?

    The main objectives of the e-Pension portal are to improve efficiency, transparency, and accountability, resulting in faster service delivery while ensuring accountability for all stakeholders through the re-engineering of government business processes.
  • How does the e-Pension portal ensure faster delivery of services?

    By automating processes and reducing the need for physical paperwork, the e-Pension portal expedites processing, approvals, and communication, leading to quicker delivery of services.
  • How does the e-Pension portal ensure accountability?

    The portal ensures accountability by providing a transparent system where all stakeholders can track the progress and status of pension-related matters, ensuring that everyone involved is held responsible for their part in the process.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

Secure Your Retirement Today
Start Investing ₹6,000/month
Get Pension ₹60,000/month+
Including Life Cover
View Plan
Pension Plans
+Standard T&C Applied
Insurers Offering Pension Plans

Tata AIA

Max Life

Bajaj Allianz

SBI Life


ICICI Prudential

Bharti AXA Life

Edelweiss Life

Kotak Life

Future Generali

PNB MetLife

Aditya Birla Sun Life


Ageas Federal

Bandhan Life

Canara HSBC


Pramerica Life

Reliance Life

Sahara Life

Shriram Life

Star Union

View more insurers
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Secure your Retirement today!
+ Standard T & C Apply*
Pension Calculator
Pension Calculator
How much do you need to save for retirement?
₹ 20,000
₹ 25,000
₹ 30,000
Monthly Expenses in 2024
Edit Done
Your expense go up every year by
Today 2024 Your expenses today in 2023, at the age of 34 Yrs
Your expenses in 2043, at the age of 55 Yrs
For a monthly pension of ₹77,300
you need to invest
Calculated as per past performance of 15%
View Plan Recalculate?

Pension plans articles

Recent Articles
Popular Articles
Divyang Pension Yojana

01 Jul 2024

The Divyang Pension Scheme (DPS) is a government initiative in
Read more
Aasara Pension

01 Jul 2024

Aasara Pension is a social welfare scheme by the Government of
Read more
Atal Pension Yojana Statement

25 Jun 2024

Atal Pension Yojana is a government-backed pension scheme aimed
Read more
Madhubabu Pension Scheme

24 Jun 2024

The Madhubabu Pension Scheme is a social welfare initiative by
Read more
Tata Pension Plan Calculator

19 Jun 2024

As you approach retirement, it is crucial to have a clear
Read more
Top 15 Pension Plans in India
  • 14 Feb 2023
  • 6390
The Pension Plan, also known as a Retirement Plan is the best investment instrument allowing individuals to build
Read more
SBI Annuity Deposit Scheme Calculator 2024
  • 08 Jun 2021
  • 21594
SBI Annuity Deposit Scheme Calculator 2024 is an online tool that helps you figure out your fixed annuity
Read more
Vridha Pension
  • 23 Feb 2023
  • 4637
Vridha Pension is a social welfare initiative implemented by the Uttar Pradesh government in India. It aims to
Read more
Sevarth Mahakosh
  • 24 May 2023
  • 10065
Sevarth Mahakosh Portal is a one-stop solution for all state government employees' financial transactions and
Read more
NPS Calculator for Government Employees
  • 09 Dec 2021
  • 15100
National Pension Scheme or National Pension System (NPS) is launched by the Government of India for all its
Read more

Download the Policybazaar app
to manage all your insurance needs.