Assam Pension Scheme is a very important step by the Government of Assam to give financial help to government workers after their retirement. If you have worked in any government office in Assam and retired, then this scheme gives you monthly pension and other benefits. It helps you live your life without worry after your service years are over. You do not need to depend on others for money, and your dignity is protected even in old age.
This scheme covers many types of pensions like family pension, superannuation, invalid pension and more. It also gives details on how to apply, who can apply, and what documents you need. The whole process is easy and if you follow the steps one by one, you can get your pension on time without any problem. In this article, you will get complete guidance in a very simple language to understand everything about Assam Pension Scheme.
Key Highlights of Assam Pension Scheme
| Feature | Details |
|---|---|
| Scheme Name | Assam Pension Scheme |
| State | Assam |
| Launched By | Government of Assam |
| Beneficiaries | Retired state government employees |
| Minimum Service for Pension | 10 years (Pro-rata); 25 years (Full pension) |
| Types of Pension | Superannuation, Retiring, Invalid, Compensation, Family, etc. |
| Minimum Pension Amount | ₹3,000 per month |
| Maximum Superannuation Pension | ₹65,000 per month |
| Minimum Family Pension | ₹5,500 per month |
| Interest on Pension Loan | 4.75% (before Jan 2013); 8% (after Jan 2013) |
| Required Documents | Application form, service record, ID proof, photos, etc. |
| Mode of Pension Payment | Direct credit to bank account |
| Commutation | Up to 1/3 of pension (medical check if applied after 1 year of retirement) |
| Disbursing Banks | SBI, PNB, UBI, UCO Bank, BoB, Canara Bank, etc. |
| Application Authority | Accountant General / Director of Pension (depending on category) |
| Official Website | https://ppg.assam.gov.in |
| Grievance Redressal | Available online through official website |
Benefits And Features of Assam Pension Scheme
- The Assam government gives pensions to retired government employees through this scheme.
- You will get benefits like GIS, GPF, DCRG, and leave encashment along with the pension.
- If you have worked for more than 10 years but less than 25 years, you will get pro-rata pension.
- If you worked for 25 years or more, you will get full superannuation pension.
- Pension papers must be submitted 6 months before your retirement.
- For school staff and PRI pensioners, the director of pension is the authority.
- For other state government pensioners, the accountant general is the authority.
- One-third of your basic pension can be taken as commutation, except for judicial and AIS services.
- If commutation is applied after 1 year of retirement, a medical check is needed.
- Pensioners retired before 1 January 2013 get 4.75% interest on pension loan; others get 8%.
- Maximum superannuation pension is ₹65,000, and minimum family pension is ₹5,500.
How To Apply For Assam Pension Scheme 2025
STEP 1: Visit your pension disbursing agency or bank and official website https://ppg.assam.gov.in/
STEP 2: Collect the pension application form from the agency.
STEP 3: Fill in all the correct details in the form carefully.
STEP 4: Attach all required documents like photos, signatures, service records, etc.
STEP 5: Submit the completed form to the same agency.
Your application will be checked and your pension will start coming to your bank account every month.
Types of Pensions in Assam Pension Scheme
- Superannuation Pension: Given after reaching 60 years of age.
- Retiring Pension: Given before 60 years if you take voluntary retirement after 20 years or 50 years of age.
- Invalid Pension: Given if you leave service due to illness or disability with medical proof.
- Compensation Pension: Given if your job ends due to post abolition.
- Compassionate Allowance: Given based on service years for inferior or superior service.
- Extraordinary Pension: Given to family if injury or death happens while on duty.
- Family Pension: Given to widow, children or dependent parents with specific age/marriage limits. If any child is disabled, pension continues for life.
Assam Pension Scheme Amount Calculation
- Qualifying service for full pension is 25 years (earlier it was 33 years).
- If you served for 33 years before 1 April 2009 or 25 years after, 50% of average salary will be given as pension.
- Less service will give proportionate pension.
- Service less than 10 years will not get pension but will get lump sum gratuity.
- Fraction in pension amount will be rounded up to next full rupee.
- Minimum pension is ₹3,000 and maximum is ₹27,500.
Also Read – Assam Widow Pension Scheme 2025 – Online Application, Eligibility, and Benefits
List of Pension Disbursing Banks
- State Bank of India
- Union Bank of India
- United Bank of India
- Central Bank of India
- Punjab National Bank
- Bank of Baroda
- Canara Bank
- UCO Bank
- Allahabad Bank
Assam Pension Scheme – Eligibility
- You must be a permanent resident of Assam.
- You should be a government employee.
- You must have served minimum 10 years and up to 25 years to get pension benefits.
Documents Required
There are two types of documents needed – one for family pension and one for retiring government employees. These include:
- Application form (Form 1 or 21)
- Passport-size photos (3 copies, attested)
- Specimen signatures and thumb impressions (attested)
- Identification details with marks and height (attested)
- Service Book pages with service verification
- Leave encashment details and retirement order
- No dues certificates
- SGEGIS and DCRG nominations
- Date of birth certificates for children
- Declaration of non-employment (Group A pensioners)
- Pension calculation sheet
- Statement showing non-qualifying service details
Important Guidelines You Should Follow
- Submit claims well before retirement to get PPO on time.
- Check your PPO for correct information and report mistakes quickly.
- Give disabled child details to the head office for lifetime family pension.
- To change your pension bank, apply to your current disbursing agency.
- Commuted pension can be restored after 14 days of receiving commuted value.
- If pension not drawn for a year, submit fresh claim with explanation.
- For missing pensioners, file FIR and wait 1 year for family pension claim.
- Pension cannot be attached by any court unless it is paid to you.
- Pension is only paid in bank accounts – open single or joint account with spouse.
- If re-employed, inform pension disbursing office immediately.
- Report any family change like marriage or birth after retirement.
- If convicted, your pension can be stopped.
- Get permission from authority before starting any private job after retirement.
- Appear every November for annual identification or send a representative.
- If PPO is lost, inform your pension bank quickly.
- Nominate a person to receive arrears after your death and update it regularly.
Amount of Pension And Rate of Interest On Pension Loan
Pensioners are required to fill out the prescribed form and submit it to the accountant general or director of the pension as the case may be. After receiving all the documents the authority will sanction the pension to the pensioner. One-third of the basic pension except judicial and AIS service is the limit of commutation of pension as of now. If the pensioner has applied for commutation of pension after one year from the date of retirement then the government servant who takes voluntary or compulsory retirement from service is required to appear before the medical board as per the commutation of pension rules.
For all those pensioners who have retired prior to 1st January 2013, the rate for pension loan is 4.75% and for those who have retired after 1st January 2013, the rate of interest on pension loans will be 8%. The maximum limit of superannuation pension is 65000 and the minimum limit for family pension is 5500
Helpline & Contact:
For more help, you can visit the official website of Assam Pension and Public Grievance at https://ppg.assam.gov.in/. On this site, you can check business transacted, service details, file grievances, and track complaint status. You can also find contact numbers under the “Contact Us” section.
FAQs
Who is eligible for the Assam Pension Scheme?
State government employees of Assam who have completed at least 10 years of qualifying service are eligible for pension benefits. Family members of deceased employees may also receive family pension.
What is the minimum qualifying service for a full pension?
A full pension is granted after completing 25 years of qualifying service. However, pro-rata pension is available after 10 years of service.
What is the minimum pension amount given under this scheme?
The minimum pension amount is ₹3,000 per month, while the minimum family pension is ₹5,500 per month.
How is pension disbursed in Assam?
Pension is directly credited to the retired employee’s bank account through authorized banks like SBI, PNB, UCO Bank, etc.
Can I apply for a pension loan?
Yes, retired employees can apply for a pension loan. Interest rates are 4.75% (before January 2013) and 8% (after January 2013).