Pension Reforms
Service Delivery

Enhancing the delivery of four pension schemes for vulnerable populations in Punjab by addressing systemic challenges such as high duplication and leakages, incomplete databases, weak bank coordination, absence of standard operating procedures (SOPs), and substandard digital infrastructure.

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Suspect pensioners identified
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Deceased beneficiaries flagged for removal
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Saved annually by removing discrepancies in pension disbursal
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Anganwadi workers and 900 supervisors onboarded for verification

Our Impact

Lakhs of false beneficiaries identified by targeted verification via a mobile/web module.
Six major banks onboarded to retrieve missing data and flag inactive accounts.
Database of ration card linked for Aadhaar authentication.
Death registry and crematorium records digitised for automatic pension deletion.

Our Initiatives

Systemic Reform of Pension Disbursement Mechanisms
Overhauled Punjab's pension disbursement process including setting up mechanisms to reduce fraud and improve transparency.
Enabled Real-Time Verification via Digital Platforms
Disseminated digital tools to frontline-workers to enable real-time field verification and enhance accountability across districts.
Strengthened Coordination for Robust Data Validation
Cross-departmental integration created for a robust ecosystem of data validation.
Shaped Policy for Sustainable Pension Systems
Laid policy groundwork for a standardised, future-ready pension framework.

Insights