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For September 2025, Defence pensioners can expect their pension credits through the SPARSH portal, managed by the Principal Controller of Defence Accounts (Pensions) PCDA(P). Here's what you need to know¹:
*Pension Credit Process*: The pension will be credited on the last day of the month. Since you're asking about September 2025, your pension should be credited on September 30, 2025.
*SPARSH Portal*: All pension-related activities, including pension sanction, audit, revision, and disbursement, are handled through the SPARSH portal. You can access your pension slips, Form 16, and other relevant documents on the portal.
*Life Certificate*: To continue receiving your pension, you'll need to submit your life certificate annually. You can do this online through the SPARSH portal or via the Jeevan Pramaan website.
*Helpline Support*: If you have any issues or concerns, you can contact the SPARSH helpline at 1800--180--5325.

Some notable aspects of SPARSH include²:
*Enhanced Transparency*: SPARSH reduces financial fraud and enhances transparency in pension administration.
*Quick Pension Disbursal*: The platform ensures efficient and timely pension disbursal, reducing the time gap between pension sanction and first payment to just one to two days.
*Automatic Pension Revision*: SPARSH automatically revises pensions whenever applicable, ensuring that pensioners receive the correct amount.

The pension commutation recovery period might decrease from 15 years to 12 years, as recommended by the 8th Central Pay Commission. This change aims to provide relief to pensioners by restoring their full pension earlier.

Current Status

The current recovery period is 15 years, as per Rule 10A of the CCS (Commutation of Pension) Rules, 1981. However, with decreasing interest rates and increasing life expectancy, many argue that this period should be reduced.¹ ²

Rationale Behind the Proposed Change

The proposed reduction is based on³ ⁴:
*Actuarial calculations*: The commuted amount is typically recovered within 10-11 years, making the current 15-year period excessive.
*Increased life expectancy*: Pensioners live longer, and the government recovers the commuted amount faster.
*State government practices*: Some states, like Kerala and Gujarat, have already adopted reduced restoration periods (12 and 13 years, respectively).

Expert Recommendations

Several expert bodies have suggested reducing the restoration period⁵:
*5th Central Pay Commission*: Recommended a 12-year restoration period.
*2nd National Judicial Pay Commission*: Suggested 12 years as an adequate restoration period.
*Institute of Actuaries of India*: Mortality tables indicate a lower risk factor, supporting a shorter restoration period.

Potential Benefits

If implemented, this change would⁶:
*Provide financial relief*: Pensioners would receive their full pension three years earlier.
*Improve financial security*: Enhanced financial stability for pensioners, especially with rising healthcare costs.
*Align with modern realities*: Reflect changes in interest rates, life expectancy, and mortality rates.