Pension Yojana apply kaise kare, kaun si sarkari pension schemes available hain, inke eligibility rules kya hote hain, online aur offline application ka exact process kya hai, kaun se documents lagenge, approval me kitna samay lagta hai, pension status kaise check kare aur rejection kaise solve kare. Yah guide bilkul practical, realistic aur simple Hindi language me likhi gayi hai jisse har vyakti, senior citizens, widows, disabled persons aur unorganized workers aasani se apni yojana apply kar sake. Is post me Old Age Pension, Widow Pension, Disability Pension, PM Maandhan Schemes aur sabhi state-level pension ka unified process samjhayaa gaya hai.
Pension Yojana Kya Hoti Hai?
Pension yojana sarkar dwara di jaane wali ek arthik sahayata hoti hai jisme eligible logon ko har mahine ek fixed amount diya jata hai. Iss madad ka maksad un logon ko financial security dena hai jo budhape, disability, ya jeevan-sathi ki mrityu ke baad income source na hone ki wajah se pareshani me hote hain.
Pension ka paisa Direct Benefit Transfer (DBT) ke through bank account me aata hai.
India Me Chal Rahi Major Pension Schemes (2025)
1. Old Age Pension (Vridhavastha Pension)
- Age: 60 years se upar
- Income: Low income / BPL
2. Widow Pension (Vidhwa Pension)
- Pati ki mrityu ho chuki ho
- Applicant ki age: 18–60 saal
- Financially weak category
3. Disability Pension (Viklang Pension)
- Minimum 40% disability
- Valid disability certificate required
4. Indira Gandhi National Old Age Pension (IGNOAPS)
- 60+ years
- Central + State share
5. PM Shram Yogi Maandhan Yojana
- Unorganized workers ke liye
- 60 saal ke baad pension
6. PM Kisan Maandhan Yojana
- Kisanon ke liye retirement pension scheme
7. PM Laghu Vyapari Maandhan
- Shopkeepers aur traders ke liye
Har scheme ka form fill process almost same hota hai.
Pension Yojana Apply Karne Ka Tarika (Online Process)
Step 1: Official Pension Portal Par Jaye
State ke hisab se portal alag hota hai.
Common portals:
- UP: sspy-up.gov.in
- Rajasthan: ssp.rajasthan.gov.in
- MP: samagra.gov.in
- Delhi: edistrict.delhi.gov.in
- Bihar: serviceonline.bihar.gov.in
- Central Schemes: maandhan.in
Step 2: Registration Kare
- Mobile number enter kare
- OTP verify kare
- Basic applicant details fill kare
Step 3: Pension Scheme Select Kare
Portal me jo pension schemes available hoti hain, unme se apni eligibility ke hisaab se select kare.
Step 4: Online Application Form Fill Kare
Form me aapko bharna hota hai:
- Applicant name
- Date of birth / age proof
- Father/Husband name
- Address
- Income details
- Bank account number + IFSC code
- Gender, category details
- Scheme-specific information
Step 5: Documents Upload Kare
Required documents:
- Aadhaar Card
- Address Proof
- Bank Passbook
- Age Proof
- Ration Card
- Income Certificate
- Passport Size Photo
- Death Certificate (Widow Pension)
- Disability Certificate (Viklang Pension)
Step 6: Final Submit Kare
Submit karne ke baad aapko application number milta hai.
Isse track kar sakte hain.
Step 7: Verification Process
Verification karta hai:
- Gram Panchayat
- Tehsil
- District Social Welfare Office
Step 8: Approval & Payment Start
Verification complete hone ke baad aapka pension amount har mahine bank account me aana shuru ho jata hai.
Pension Yojana Offline Apply Process
Step 1: CSC Center / Social Welfare Office Jaye
Wahan par pension form milta hai.
Step 2: Documents Attach Kare
Aadhaar, Ration Card, Bank Passbook, Income Proof, Photos etc.
Step 3: Form Submit Kare
CSC operator aapki details ko online upload karega.
Step 4: Verification Ke Baad Pension Start Ho Jata Hai
Offline apply process me thoda zyada time lag sakta hai.
Pension Yojana Ke Liye Documents List
Mandatory Documents
- Aadhaar Card
- Bank Passbook
- Passport Size Photo
- Ration Card
- Income Certificate
- Address Proof
Scheme-Specific Documents
- Widow Pension: Husband Death Certificate
- Disability Pension: Disability Certificate (40%+)
Eligibility Criteria – Kaun Apply Kar Sakta Hai?
Old Age Pension
- 60+ years
- Low-income family
Widow Pension
- Pati ki mrityu
- Income limit follow ho
Disability Pension
- 40% disability minimum
Maandhan Schemes
- Age 18–40 (enrollment time)
- Regular monthly contribution
Pension Application Status Kaise Check Kare?
Step-by-step:
- State pension portal open kare
- “Application Status” ya “Pension Status” par click kare
- Application number enter kare
- Status screen par show ho jayega
Status types:
- Pending
- Under Verification
- Approved
- Rejected
Pension Ka Paisa Kab Aata Hai?
- Har mahine fixed date ya state policy ke hisaab se
- DBT ke through directly bank me
Agar bank me paisa nahi aaye:
- Bank account active ho
- Aadhaar se link ho
- IFSC code sahi ho
Pension Yojana Reject Ho Jaye To Kya Kare?
Common rejection reasons:
- Documents incomplete
- Income proof mismatch
- Wrong bank details
- Age proof error
Solution:
- Correct documents upload kare
- CSC center se details update kare
- Reapply kare
Pension Approval Me Kitna Time Lagta Hai?
- Application submission: 10 minutes
- Verification: 20–30 days
- Approval: 30–45 days
- Payment start: 1–2 cycles ke andar
Pension Yojana Ke Main Fayde
- Regular monthly financial support
- Emergency situations me madad
- Social security ensure hoti hai
- Old age me dependency kam hoti hai
- Direct bank transfer ka system transparent
FAQs – Google Search Intent Based
Q1. Pension Yojana apply kaise kare?
Aap online state pension portal ya maandhan.in par apply kar sakte hain. Offline apply CSC center par hota hai.
Q2. Pension ke liye Aadhaar jaruri hai?
Haan, Aadhaar mandatory hai.
Q3. Widow Pension kaise apply hoti hai?
Death certificate ke saath state pension website par form fill karke.
Q4. Pension kitna milta hai?
State ke hisab se amount 500–1500 rupees per month avg hota hai.
Q5. Pension approval me kitna time lagta hai?
30–45 din approx