Report of the Committee on Simplification of Pension Processes
Pension authorization and disbursement in Government is a complex and multilayered exercise
involving the pension sanctioning authority (the Ministry/Department where the employee last
served), the Central Pension Accounting Office (CPAO) and the pension disbursing authorities, a
role discharged by approximately 40,000 branches of 28 public and private sector banks.
Given this multi-layered process, the possibility of delays and hold-ups in pension disbursements, and a consequently high level of pensioner dissatisfaction, is a discomfiting reality for public authorities. Over the years there have, accordingly, been several attempts at streamlining the pension disbursement processes, particularly given the rapid advancement of technologies in the banking sector. As part of this overall movement towards reform and excellence in public service delivery, Controller General of Accounts has articulated a vision wherein the entire function of pension delivery is a seamless one being managed through a centralized e-pension portal operated by CPAO.