PFRDA

ATAL PENSION YOJANA (APY) EXPLAINED : SIGNIFICANCE, CHALLENGES & WAY FORWARD

The Cabinet’s extension of Atal Pension Yojana highlights its role in securing unorganised workforce, with strong enrolment and women’s participation. However, inflation risks, low awareness, and irregular contributions persist. Reforms like inflation-indexing, financial literacy, and auto-enrolment are vital to make APY a durable pillar of social justice.

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