**Executive Summary**
This document reports on the progress of SPARSH, India's largest digital pension platform, as of November 2025. It highlights the onboarding of 31.69 lakh defence pensioners, resolution of 94.3% of legacy discrepancy cases, and a reduction in average grievance redressal time. The Digital Life Certificate (DLC) 4.0 campaign occurred between November 1-30, 2025.
**Key Points / Main Content**
* **SPARSH Overview:**
* SPARSH is a digital pension platform administered by the Defence Accounts Department (DAD) through PCDA (Pensions), Prayagraj.
* It has onboarded 31.69 lakh defence pensioners across India and Nepal.
* SPARSH replaces a fragmented system with a unified, transparent, and accountable digital framework.
* **Pension Discrepancy Resolution:**
* 94.3% of 6.43 lakh legacy discrepant cases have been resolved, normalizing 6.07 lakh without affecting pensioner entitlements.
* **Outreach and Grievance Resolution:**
* 284 SPARSH Outreach Programmes and 194 Raksha Pension Samadhan Ayojans were conducted.
* Over 8,000 grievances were resolved on the spot during these programs in the current Financial Year (FY).
* Pensioners can view complete pension details online and raise corrections easily.
* Grievance redressal time has decreased from 56 days (April 2025) to 17 days (November 2025).
* DAD has achieved a 73% satisfaction score, ranking 5th among Ministries/Departments.
* **Digital Life Certificate (DLC) Campaign:**
* Under the nationwide Digital Life Certificate (DLC) 4.0 campaign (November 1-30, 2025), DAD mobilized 202 offices, 4.63 lakh Common Service Centres, and 15 partner banks, supported by 27 Nodal Officers.
* 20.94 lakh DLCs have been generated for Defence Pensioners.
* **Disbursements:**
* In FY 2024-25, Rs 1,57,681 crore from the Defence Pension Budget was disbursed via SPARSH.
* OROP-III, implemented in July 2024, disbursed Rs 1,224.76 crore to 20.17 lakh beneficiaries in 15 days.
**Impact Analysis**
**Stakeholder: Defence Pensioners**
* **Impact:** They have access to a unified digital pension system, improved transparency, faster grievance resolution, and quicker disbursement of pensions.
* **Action Required:** Utilize the online platform to view pension details, raise corrections, and obtain digital life certificates.
**Stakeholder: Defence Accounts Department (DAD)**
* **Impact:** Responsible for administering and maintaining the SPARSH platform.
* **Action Required:** Continue to manage and improve the SPARSH system, conduct outreach programs, and ensure timely and accurate pension disbursements.
**Stakeholder: Government**
* **Impact:** SPARSH represents the government's commitment to ensuring dignity, care, and timely support for veterans and their families.
* **Action Required:** Support and promote the SPARSH initiative to enhance the welfare of defence personnel.
Key Entities Referenced
SPARSH: A flagship Digital India initiative and end-to-end digital pension platform for defense personnel.
Ministry of Defence: The primary ministry overseeing the implementation of SPARSH and related pension initiatives.
Defence Accounts Department (DAD): Administers SPARSH through PCDA (Pensions).
Digital Life Certificate (DLC) 4.0 Campaign: A nationwide campaign to generate DLCs for Defence Pensioners.
India: Location where SPARSH initiative is implemented.
Ministry of Defence
31.69 lakh defence pensioners onboarded on
SPARSH, India’s largest Digital Pension platform
94.3% of legacy discrepant cases resolved; Average
grievance redressal time down from 56 days to 17 days
प्रव तथ: 15 DEC 2025 5:34PM by PIB Delhi
Ensuring ‘Right Pension to the Right Pensioner at the Right Time’, System for Pension Administration -
Raksha (SPARSH), a flagship Digital India initiative, has emerged as the country’s first end-to-end digital
pension platform. Administered by the Defence Accounts Department (DAD) through PCDA (Pensions),
Prayagraj, SPARSH has onboarded 31.69 lakh defence pensioners across India and Nepal as of November
2025. It replaces a fragmented system managed earlier by over 45,000 agencies with a unified, transparent
and accountable digital framework.
Major achievements include:
94.3% of legacy discrepant cases resolved: Out of 6.43 lakh discrepant cases migrated from
previous systems, 6.07 lakh have been normalised without affecting pensioners’ entitlements.
Extensive Outreach for Elderly & Non-Tech Savvy Pensioners: 284 SPARSH Outreach
Programmes and 194 Raksha Pension Samadhan Ayojans have been held across the country. More
than 8,000 grievances were resolved on the spot during these programmes conducted in the current
Financial Year (FY).
Enhanced Transparency & Grievance Resolution: Pensioners can now view complete pension
details online and easily raise corrections. Average grievance redressal time has come down from 56
days in April 2025 to 17 days in November 2025 and as per the latest Department of Administrative
Reforms and Public Grievances report, DAD has achieved a 73% satisfaction score, ranking 5th
among Ministries/Departments.
DLC 4.0 Campaign: Under the nationwide Digital Life Certificate (DLC) 4.0 campaign of
DoP&PW (November 1-30, 2025), DAD has mobilised 202 offices, 4.63 lakh Common Service
Centres, and 15 partner banks, supported by 27 Nodal Officers. As of November 30, 2025, 20.94
lakh DLCs have been generated for Defence Pensioners -highest among all Departments.
Disbursements: In FY 2024–25, a Defence Pension Budget of Rs 1,57,681 crore was disbursed on
a real-time basis through SPARSH. OROP-III, implemented in July 2024, enabled the quick
disbursal of Rs 1,224.76 crore to 20.17 lakh beneficiaries in just 15 days.
SPARSH stands as the largest unified pension system in India and the only fully integrated digital pension
solution for defence personnel. It represents the Government’s commitment to ensuring dignity, care and
timely support for veterans and their families.
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