Independent Research and Policy Advocacy

An Initial Analysis of the Atal Pension Yojana

The Finance Minister, in his budget speech for 2015-16, has announced a new defined benefit pension scheme – Atal Pension Yojanai (APY, henceforth) – for unorganised sector workers who are not covered under any statutory social security scheme.

Evaluation of the National Pension System – Swavalamban Scheme

85% of our workforce employed in the unorganised sector workforce who do not have access to any formal pensions, the Government of India (GoI) introduced the National Pension System-Swavalamban (NPS-S) in 2010. This scheme was implemented with of the objective of encouraging citizens engaged in the unorganised sector to save towards retirement.

NPS Lite: Securing Old Age Income

The announcement of National Pension System (NPS) Lite, a pension plan geared towards economically disadvantaged populations, brings hope for much needed money during non-productive years