PENSION PROCESS - A GUIDELINE FOR ALL TO KNOW 
UPON ENTRY INTO SERVICE BOOK IN PRESCRIBED FORMAT TO BE MAINTAINED TO RECORD EVERY STEP IN YOUR OFFICIAL LIFE. IT MUST CONTAIN FAMILY DETAILS AND NOMINATIONS FOR RETIREMENT/DEATH GRATUITY AND GPF.
YOU MUST CHECK YOUR SERVICE BOOK SO AS TO VERIFY CORRECTNESS OF ENTRIES MADE THEREIN.
VERIFICATION OF YOUR QUALIFYING SERVICE, FIVE YEARS BEFORE RETIREMENT BY HEAD OF OFFICE
HEAD OF OFFICE SHOULD WRITE TO DIRECTORATE OF ESTATE FOR ISSUE OF NO DEMAND CERTIFICATE IN RESPECT OF PERIOD OF PRECEDING EIGHT MONTHS BEFORE THE DATE OF YOUR RETIREMENT, IN CASE YOU OCCUPY GOVT. ACCOMMODATION.
NOT LATER THAN TEN  MONTHS  BEFORE   RETIREMENT 
HEAD OF OFFICE WILL ISSUE YOU A CERTIFICATE REGARDING LENGTH OF QUALIFYING SERVICE PROPOSED TO BE ADMITTED FOR PURPOSE OF PENSION AND GRATUITY AND AS TO EMOLUMENTS AND AVERAGE EMOLUMENTS FOR PURPOSE OF RECKONING OF RETIREMENT GRATUITY AND PENSION FOR YOUR ACCEPTANCE. HEAD OF OFFICE WILL ISSUE YOU FORM 5 FOR COMPLETION.
NOT  LATER THAN  EIGHT  MONTHS  BEFORE  RETIREMENT 
YOU MAY SUBMIT FORM 5 DULY COMPLETED IN ALL RESPECTS TO THE HEAD OF THE OFFICE 
HEAD OF OFFICE SHALL ENSURE COMPLETION OF PART-I OF FORM 7 AND HE SHALL FORWARD THE PENSION PAPERS TO THE PAO.
YOU MAY APPLY FOR COMMUTATION OF PENSION IN FORM I-A TO THE HEAD OF OFFICE FOR ONWARD TRANSMISSION TO THE PAO. YOU MAY PLEASE ENSURE THAT YOUR DDO HAS STOPPED MAKING GPF RECOVERIES IN YOUR CASE.
HEAD OF OFFICE SHALL COMMUNICATE TO THE PAO, GOVT DUES RECOVERABLE FROM DCRG IN YOUR CASE.
UPON ENTRY INTO SERVICE BOOK IN PRESCRIBED FORMAT TO BE MAINTAINED TO RECORD EVERY STEP IN YOUR OFFICIAL LIFE. IT MUST CONTAIN FAMILY DETAILS AND NOMINATIONS FOR RETIREMENT/DEATH GRATUITY AND GPF.
EVERY YEAR 
YOU MUST CHECK YOUR SERVICE BOOK SO AS TO VERIFY CORRECTNESS OF ENTRIES MADE THEREIN.
AFTER TWENTY FIVE YEARS OF SERVICE 
ISSUE OF SERVICE VERIFICATION CERTIFICATE OF YOUR QUALIFYING SERVICE BY HEAD OF OFFICE. 
FIVE YEARS BEFORE  RETIREMENT 
VERIFICATION OF YOUR QUALIFYING SERVICE, FIVE YEARS BEFORE RETIREMENT BY HEAD OF OFFICE
TWO YEARS  BEFORE  RETIREMENT 
HEAD OF OFFICE SHOULD WRITE TO DIRECTORATE OF ESTATE FOR ISSUE OF NO DEMAND CERTIFICATE IN RESPECT OF PERIOD OF PRECEDING EIGHT MONTHS BEFORE THE DATE OF YOUR RETIREMENT, IN CASE YOU OCCUPY GOVT. ACCOMMODATION.
HEAD OF OFFICE WILL ISSUE YOU A CERTIFICATE REGARDING LENGTH OF QUALIFYING SERVICE PROPOSED TO BE ADMITTED FOR PURPOSE OF PENSION AND GRATUITY AND AS TO EMOLUMENTS AND AVERAGE EMOLUMENTS FOR PURPOSE OF RECKONING OF RETIREMENT GRATUITY AND PENSION FOR YOUR ACCEPTANCE. HEAD OF OFFICE WILL ISSUE YOU FORM 5 FOR COMPLETION.
NOT  LATER THAN SIX   MONTHS  BEFORE  RETIREMENT 
HEAD OF OFFICE SHALL ENSURE COMPLETION OF PART-I OF FORM 7 AND HE SHALL FORWARD THE PENSION PAPERS TO THE PAO.
THREE  MONTHS  BEFORE  RETIREMENT 
TWO  MONTHS   BEFORE  RETIREMENT 
HEAD OF OFFICE SHALL COMMUNICATE TO THE PAO, GOVT DUES RECOVERABLE FROM DCRG IN YOUR CASE.
ONE  MONTH  BEFORE  RETIREMENT 
AFTER CHECKING OF YOUR PENSION CASE RECEIVED FROM YOUR HEAD OF OFFICE, PAY & ACCOUNTS OFFICER SHALL ISSUE PPO & AUTHORITY FOR GRATUITY.
These guidelines were made open  by Govt. of India in their  pension portal
pl. see http://www.pensionersportal.gov.in/roadmap/road.asp
