SOLUTIONS · PENSIONER VERIFICATION

The verification platform built for the people digital systems usually leave behind.

Daksam Analytics gives pension authorities, banks, and government bodies one configurable platform to confirm that pensioners are alive and eligible, replacing office visits with a senior-friendly digital flow that works on the documents and devices pensioners actually have.

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THE PROBLEM

Life certificate verification fails the people it is meant to serve.

Every year, millions of pensioners must prove they are alive to keep receiving their pension. For decades this meant travelling to a bank or government office in person, standing in a queue, and submitting a physical life certificate. For elderly pensioners, many with limited mobility, this is a genuine hardship. Digital alternatives exist, but most are built for young, tech-fluent users on modern smartphones, which is exactly the demographic pensioners are not. The result is a verification process that either forces vulnerable people into offices or hands them technology they cannot use. Neither is acceptable.

Office Visits Are a Hardship

Requiring elderly pensioners to travel to a branch or office to prove they are alive imposes real difficulty on people with limited mobility and health.

Standard Digital Tools Exclude Seniors

Verification flows built for young smartphone users fail the pensioner demographic, who often have older devices and limited digital familiarity.

Errors Stop Pension Payments

A failed or fraudulent life certificate can suspend a pension a person depends on to live. The verification has to be both accurate and accessible.

THE PLATFORM

Every component your pensioner verification needs, in one place.

Daksam Analytics covers the full life certificate and eligibility verification journey. Your team configures which components run, in what order, and to what thresholds, without involving a developer. Below are the platform components most relevant to pensioner verification.

Liveness Detection

Confirms a pensioner is a live person in real time using passive checks that require no complex actions, designed for elderly users on basic devices.

Identity Verification

Document and face matching that confirms the pensioner is who they claim to be, trained to work accurately on older faces and worn documents.

Jeevan Pramaan Ready

Built to align with the Jeevan Pramaan digital life certificate framework, integrating pensioner verification into the system authorities already recognise.

Senior-Friendly Flow

A verification journey designed for accessibility: large text, simple steps, minimal actions, and support for the older devices pensioners actually use.

Blockchain Audit Trail

Every life certificate verification writes to an immutable record the moment it is made. Tamper-proof, timestamped, and available for pension authority review.

No-Code Workflow Builder

Your team configures the verification journey without a developer. Adjust steps, set eligibility rules, and deploy changes the same day.

WHO IT SERVES

Every body that pays a pension needs to verify the pensioner is alive and eligible.

Government Pension Authorities

Digital life certificate verification for state and central pension schemes, replacing office visits with a senior-friendly flow and tamper-proof records.

Banks Disbursing Pensions

Pensioner verification for banks paying government and corporate pensions, confirming eligibility with an audit record for every payment cycle.

Corporate Pension Funds

Retiree life and eligibility verification for company pension schemes, with configurable flows and blockchain records for every confirmation made.

Insurance Annuity Providers

Annuitant verification for pension and annuity products, confirming the recipient is alive and eligible before each disbursement is released.

Provident Fund Bodies

Member verification for provident fund withdrawals and pension conversions, with accessible flows and records that satisfy regulatory review.

Defence and Railway Pensions

Large-scale pensioner verification for defence, railway, and other government pension bodies, built to handle high volumes with senior-friendly access.

OUTCOMES

What pension authorities and banks see after going live.

Pensioners confirm they are alive from home, removing the need to travel to a branch or government office to submit a life certificate.

Verification works for elderly users on older devices, so the demographic most affected is not excluded by the technology.

Every life certificate verification is permanently recorded and available for pension authority audit without manual compilation.

Fraudulent or erroneous verifications are reduced, protecting both the pension fund and the pensioner who depends on the payment.

FAQ

What pension authorities and banks ask before they go live.

How does the platform handle pensioners who are not comfortable with technology?

The pensioner-facing interface is designed specifically for low digital literacy users. It uses large fonts, simple language, step-by-step instructions, and voice-guided assistance for camera positioning during the liveness check. The flow breaks the verification into small, clear steps with visible progress indicators so pensioners know exactly where they are in the process. The platform is accessible on any smartphone, tablet, or desktop without requiring any app download. Pensioners can also be reached via email, SMS, or postal mail with a unique enrolment link that takes them directly into the flow.

How does the platform prevent duplicate claims and pension fraud?

Daksam Analytics combines three layers of fraud prevention in the pensioner verification flow. The liveness check confirms the person is physically present and genuine, not a photograph or impersonation. The government data check matches identity against national pension registries to confirm entitlements and eligibility. The pension account validation cross-checks the account number against disbursement records to confirm active status and flag any duplicate or suspicious claims before a payment is processed. Every step generates an immutable blockchain record that cannot be altered after the fact.

Which government registries and pension databases can the platform connect to?

Daksam Analytics connects to national pension registries and government records via API. For Indian pension schemes, the platform supports connectivity to relevant government databases including Jeevan Pramaan for life certificate verification. The specific registries available depend on your jurisdiction and institutional access rights. Your operations team configures the connections using the no-code Workflow Builder. We recommend discussing specific registry integration requirements with the Daksam Analytics team during the demo.

Can we configure different verification flows for different pension schemes?

Yes. The no-code Workflow Builder lets your administrators design separate verification journeys for state pensions, military and defence schemes, and corporate retirement programmes. Each flow can have different document requirements, different government data checks, and different OTP or callback confirmation steps based on the risk profile of that scheme. Changes are deployed directly by your team without raising a developer ticket.

What does the audit trail look like for a regulatory inspection?

Every step in the pensioner verification journey writes to an immutable blockchain record at the moment it is completed. The record captures the documents submitted, the checks run against government registries, the liveness confirmation result, the pension account validation outcome, the OTP or callback confirmation, and the precise timestamp of each event. Staff see a complete audit trail with all verification steps and evidence in a single view. This record cannot be edited, deleted, or backdated, which means it is available in its original, unaltered form for any regulatory inspection or oversight review.

Bring your pensioner verification challenge. We will show you how the platform solves it.

Whether you are a government pension authority, a bank disbursing pensions, or a corporate pension fund, the demo is built around your specific requirements. Bring your pensioner demographic, your eligibility rules, and your accessibility needs. We will show you how Daksam Analytics handles all of them, live.