There was a recent Decision in case of a Writ Petition No. 405/23 Karnataka HC.

If life certificate is not submitted by pensioner; before stopping his pension, it is the duty of the bank to visit the house of pensioner and know the reason for non-submission.

Court ordered payment of all arrears,

and also imposed a fine of ₹. One lakh on the Respondent.

Payment is to be made in two weeks, with 6% interest._
If payment not made in 2 weeks, the rate of interest increased to 18% percent interest.

All Bankers to note.
A useful judgement for all the pensioners.
My Dear
Kindly circulate this post to all Pensioners