Will I receive family pension as SBI employee’s widow?
I am the widow of an SBI employee who joined in 2022 and passed away in 2025. Will I be eligible to receive a family pension?
ELIGIBLE CONDITIONS- 1. Minimum Service Requirement: The employee must have completed at least one year of pensionable service before death. (sbhrea.org) 2. Membership in SBI Pension Scheme: The employee must be a member of SBI’s traditional pension fund, not under NPS or Defined Contribution. Since the employee joined in 2022, they fell under the old SBI Employee Pension Fund (only DB Scheme entry has been closed to new hires since 01‑08‑2010, but those who joined before are covered). As the joining was after closure, likely under Defined Contribution, double-check HR status.
ENTITLEMENT & QUANTUM- 1. Normal family pension: Revised since 1 April 2021 to a uniform 30% of applicable pay (basic + pensionable components). 2. Special full pension for 5 years: If the employee dies within 5 years of retirement or during service, the family gets full pension amount for the balance period up to 5 years of what the employee would have received 3. D.R. (Dearness Relief) applies the same to pension and family pension at current bank rates.
9. Group Insurance i.e sampoorn suraksha pay will automatically start if death is during active service
8. Gratuity claims i.e a lumpsum payment and an employee must complete at least 5 yrs of continuous service with their employer also, the claim must be made within 3 months of death through HRMS or manually at the bank. The maximum amount to be claimed is 20 lakh rupees
7. Apart from the SBI pension schemes, the government provides the Vidhwa Pension Yojana and if eligible i.e by below poverty line criteria, then can be applied for it at the gram panchayat or municipal office or by the state e-portal.
6. As the family pension head, the widow is eligible for SBI’s pension loan scheme like Jai Jawan Pension loan or salary secured loan, the loan to income ratio is up to 50% of pension, collateral by the head of pension or family member. (sbhrea.org)
5. As per the Central Government norms the widow also receives medical benefits through REMBS or Health Assist or Fixed Medical Allowance pension schemes. For this annual undertakings of non employment is required.
4. Upon death during active service or 5 years of retirement, enhanced family pension i.e 100% of the pay is payable for 5 years post death, while ordinary family pension is 30% of the pay and is valid for life until remarriage. Like the central government rules, SBI aligns with this structure i.e full pension for 5 yrs and then the 30% of pay as pension.
3. If the pension wasn’t endorsed prior on PPO, you can apply for endorsement through the branch and route it through HRMS, which will be forwarded to the Trustee and then the PPO will be amended to include the pension as entitled. This ensures pension payments automatically commence after the death of the employee happens.
2. Fill SBI’s “Application for Grant of Family Pension” form (Annexure I-A) and submit to the home branch i.e the one that provided the employee's salary. The key documents that will be required are death certificate, non-remarriage & non-employment department, PPO copy, joint photos declarations and birth certificate. Then the application is forwarded to the trustee for sanction
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