{"id":39490,"date":"2026-05-08T05:10:17","date_gmt":"2026-05-07T23:40:17","guid":{"rendered":"https:\/\/udaen.info\/?p=39490"},"modified":"2026-05-08T05:10:21","modified_gmt":"2026-05-07T23:40:21","slug":"%e0%a4%ad%e0%a4%be%e0%a4%b0%e0%a4%a4-%e0%a4%95%e0%a5%80-%e0%a4%aa%e0%a5%87%e0%a4%82%e0%a4%b6%e0%a4%a8-%e0%a4%b5%e0%a5%8d%e0%a4%af%e0%a4%b5%e0%a4%b8%e0%a5%8d%e0%a4%a5%e0%a4%be-%e0%a4%b5%e0%a4%bf","status":"publish","type":"post","link":"https:\/\/udaen.info\/?p=39490","title":{"rendered":"\u092d\u093e\u0930\u0924 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e : \u0935\u093f\u0938\u094d\u0924\u093e\u0930, \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0914\u0930 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0940 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\u092d\u093e\u0930\u0924 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e : \u0935\u093f\u0938\u094d\u0924\u093e\u0930, \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0914\u0930 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0940 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901<\/h2>\n\n\n\n<p>\u092d\u093e\u0930\u0924 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092a\u093f\u091b\u0932\u0947 \u0926\u094b \u0926\u0936\u0915\u094b\u0902 \u092e\u0947\u0902 \u092c\u0921\u093c\u0947 \u0938\u0902\u0930\u091a\u0928\u093e\u0924\u094d\u092e\u0915 \u092c\u0926\u0932\u093e\u0935\u094b\u0902 \u0938\u0947 \u0917\u0941\u091c\u093c\u0930\u0940 \u0939\u0948\u0964 \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u201cDefined Benefit\u201d \u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u0941\u0930\u093e\u0928\u0940 \u092a\u0947\u0902\u0936\u0928 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e (OPS) \u0938\u0947 \u0906\u0917\u0947 \u092c\u0922\u093c\u0924\u0947 \u0939\u0941\u090f \u0905\u092c \u0926\u0947\u0936 \u090f\u0915 \u092c\u0939\u0941-\u0938\u094d\u0924\u0930\u0940\u092f contributory pension framework \u0915\u0940 \u0913\u0930 \u092c\u0922\u093c \u091a\u0941\u0915\u093e \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0938\u0930\u0915\u093e\u0930\u0940 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940, \u0928\u093f\u091c\u0940 \u0915\u094d\u0937\u0947\u0924\u094d\u0930, \u0905\u0938\u0902\u0917\u0920\u093f\u0924 \u0936\u094d\u0930\u092e\u093f\u0915 \u0914\u0930 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0928\u093e\u0917\u0930\u093f\u0915 \u2014 \u0938\u092d\u0940 \u0915\u0947 \u0932\u093f\u090f \u0905\u0932\u0917-\u0905\u0932\u0917 \u0924\u0902\u0924\u094d\u0930 \u0935\u093f\u0915\u0938\u093f\u0924 \u0915\u093f\u090f \u0917\u090f \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>7 \u092e\u0908 2026 \u0915\u094b \u091c\u093e\u0930\u0940 \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0947 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 \u0935\u093f\u0935\u0930\u0923 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930, \u092d\u093e\u0930\u0924 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0905\u092c \u0915\u0947\u0935\u0932 \u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u093f \u0906\u092f \u0915\u093e \u092e\u093e\u0927\u094d\u092f\u092e \u0928\u0939\u0940\u0902, \u092c\u0932\u094d\u0915\u093f \u090f\u0915 \u0935\u093f\u0936\u093e\u0932 \u0935\u093f\u0924\u094d\u0924\u0940\u092f-\u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0922\u093e\u0902\u091a\u093e \u092c\u0928 \u091a\u0941\u0915\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u092a\u094d\u0930\u092e\u0941\u0916 \u0906\u0901\u0915\u0921\u093c\u0947<\/h2>\n\n\n\n<ul>\n<li>Pension Fund Regulatory and Development Authority \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930:\n<ul>\n<li>NPS subscribers: <strong>2.17 \u0915\u0930\u094b\u0921\u093c<\/strong><\/li>\n\n\n\n<li>APY enrolments: <strong>8.96 \u0915\u0930\u094b\u0921\u093c<\/strong><\/li>\n\n\n\n<li>EPS members: <strong>7.98 \u0915\u0930\u094b\u0921\u093c<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>NPS \u0915\u093e \u0915\u0941\u0932 AUM (Assets Under Management): <strong>\u20b915.95 \u0932\u093e\u0916 \u0915\u0930\u094b\u0921\u093c<\/strong><\/li>\n\n\n\n<li>APY corpus: <strong>\u20b951,400 \u0915\u0930\u094b\u0921\u093c<\/strong><\/li>\n\n\n\n<li>\u0915\u0947\u0902\u0926\u094d\u0930 \u090f\u0935\u0902 \u0930\u093e\u091c\u094d\u092f\u094b\u0902 \u0915\u0940 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0947 \u0932\u093e\u092d\u093e\u0930\u094d\u0925\u0940: <strong>4 \u0915\u0930\u094b\u0921\u093c \u0938\u0947 \u0905\u0927\u093f\u0915<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u092f\u0939 \u0938\u094d\u092a\u0937\u094d\u091f \u0915\u0930\u0924\u093e \u0939\u0948 \u0915\u093f \u092d\u093e\u0930\u0924 \u0915\u0940 pension economy \u0905\u092c \u092a\u0942\u0902\u091c\u0940 \u0928\u093f\u0930\u094d\u092e\u093e\u0923 (capital formation) \u0914\u0930 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092c\u093e\u091c\u093c\u093e\u0930\u094b\u0902 \u092e\u0947\u0902 \u092d\u0940 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092d\u0942\u092e\u093f\u0915\u093e \u0928\u093f\u092d\u093e \u0930\u0939\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u092d\u093e\u0930\u0924 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0915\u0947 \u091a\u093e\u0930 \u092a\u094d\u0930\u092e\u0941\u0916 \u0938\u094d\u0924\u0902\u092d<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">1. Defined Benefit Pension (OPS \/ Defence Pension)<\/h3>\n\n\n\n<p>\u092a\u0941\u0930\u093e\u0928\u0940 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u0938\u0930\u0915\u093e\u0930 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092a\u0947\u0902\u0936\u0928 \u0926\u0947\u0924\u0940 \u0925\u0940\u0964 \u092f\u0939 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0930\u0915\u093e\u0930\u0940 \u092c\u091c\u091f \u092a\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u092e\u0949\u0921\u0932 \u0925\u093e\u0964<\/p>\n\n\n\n<p>\u092e\u0941\u0916\u094d\u092f \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901:<\/p>\n\n\n\n<ul>\n<li>\u0905\u0902\u0924\u093f\u092e \u0935\u0947\u0924\u0928 \u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u0947\u0902\u0936\u0928<\/li>\n\n\n\n<li>\u092e\u0939\u0901\u0917\u093e\u0908 \u0930\u093e\u0939\u0924 (DA\/DR)<\/li>\n\n\n\n<li>\u092c\u093e\u091c\u093c\u093e\u0930 \u091c\u094b\u0916\u093f\u092e \u0928\u0939\u0940\u0902<\/li>\n<\/ul>\n\n\n\n<p>\u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0915\u0940 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u0940 \u091a\u0941\u0928\u094c\u0924\u0940 \u0925\u0940:<\/p>\n\n\n\n<ul>\n<li>\u092c\u0922\u093c\u0924\u093e \u0930\u093e\u091c\u0915\u094b\u0937\u0940\u092f \u092c\u094b\u091d<\/li>\n\n\n\n<li>\u0932\u0902\u092c\u0940 \u091c\u0940\u0935\u0928 \u092a\u094d\u0930\u0924\u094d\u092f\u093e\u0936\u093e<\/li>\n\n\n\n<li>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0940 \u092c\u0922\u093c\u0924\u0940 \u0938\u0902\u0916\u094d\u092f\u093e<\/li>\n<\/ul>\n\n\n\n<p>\u0907\u0938\u0940 \u0915\u093e\u0930\u0923 2004 \u0915\u0947 \u092c\u093e\u0926 \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0928\u0947 \u0928\u090f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f OPS \u092c\u0902\u0926 \u0915\u0930 \u0926\u093f\u092f\u093e\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2. National Pension System (NPS)<\/h3>\n\n\n\n<p>2004 \u092e\u0947\u0902 \u0932\u093e\u0917\u0942 NPS \u092d\u093e\u0930\u0924 \u0915\u0947 pension reforms \u0915\u093e \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u092e\u094b\u0921\u093c \u0925\u093e\u0964<\/p>\n\n\n\n<p>\u0907\u0938\u092e\u0947\u0902:<\/p>\n\n\n\n<ul>\n<li>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0914\u0930 \u0938\u0930\u0915\u093e\u0930 \u0926\u094b\u0928\u094b\u0902 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902<\/li>\n\n\n\n<li>\u092a\u0948\u0938\u093e \u092c\u093e\u091c\u093c\u093e\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0928\u093f\u0935\u0947\u0936 \u092e\u0947\u0902 \u091c\u093e\u0924\u093e \u0939\u0948<\/li>\n\n\n\n<li>\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0932\u093e\u092d accumulated corpus \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948<\/li>\n<\/ul>\n\n\n\n<p>\u0938\u0930\u0915\u093e\u0930 \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f:<\/p>\n\n\n\n<ul>\n<li>Fiscal sustainability<\/li>\n\n\n\n<li>Shared responsibility<\/li>\n\n\n\n<li>Long-term pension savings<\/li>\n<\/ul>\n\n\n\n<p>\u0939\u093e\u0932\u093e\u0901\u0915\u093f \u0906\u0932\u094b\u091a\u0928\u093e \u092f\u0939 \u0930\u0939\u0940 \u0915\u093f:<\/p>\n\n\n\n<ul>\n<li>\u0907\u0938\u092e\u0947\u0902 guaranteed pension \u0928\u0939\u0940\u0902 \u0939\u0948<\/li>\n\n\n\n<li>\u092c\u093e\u091c\u093c\u093e\u0930 \u091c\u094b\u0916\u093f\u092e \u092e\u094c\u091c\u0942\u0926 \u0939\u0948<\/li>\n\n\n\n<li>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0940 \u0906\u092f \u0915\u094b \u0932\u0947\u0915\u0930 \u0905\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092e\u0939\u0938\u0942\u0938 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3. Unified Pension Scheme (UPS)<\/h3>\n\n\n\n<p>1 \u0905\u092a\u094d\u0930\u0948\u0932 2025 \u0938\u0947 \u0932\u093e\u0917\u0942 UPS \u0915\u094b NPS \u0914\u0930 OPS \u0915\u0947 \u092c\u0940\u091a \u201c\u092e\u0927\u094d\u092f \u092e\u093e\u0930\u094d\u0917\u201d \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u092e\u0941\u0916\u094d\u092f \u0935\u093f\u0936\u0947\u0937\u0924\u093e\u090f\u0901:<\/p>\n\n\n\n<ul>\n<li>Assured pension<\/li>\n\n\n\n<li>Dearness Relief<\/li>\n\n\n\n<li>Family pension<\/li>\n\n\n\n<li>Minimum \u20b910,000 pension<\/li>\n\n\n\n<li>\u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 lump sum benefit<\/li>\n<\/ul>\n\n\n\n<p>\u092f\u0939 NPS \u0915\u0947 contributory structure \u0915\u094b \u092c\u0928\u093e\u090f \u0930\u0916\u0924\u0947 \u0939\u0941\u090f OPS \u091c\u0948\u0938\u0940 income predictability \u0926\u0947\u0928\u0947 \u0915\u0940 \u0915\u094b\u0936\u093f\u0936 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u092f\u0939 \u0915\u0926\u092e \u0930\u093e\u091c\u0928\u0940\u0924\u093f\u0915 \u0914\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0926\u092c\u093e\u0935\u094b\u0902 \u0915\u0947 \u092c\u0940\u091a \u090f\u0915 \u0938\u0902\u0924\u0941\u0932\u0928\u0915\u093e\u0930\u0940 \u0928\u0940\u0924\u093f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0926\u0947\u0916\u093e \u091c\u093e \u0930\u0939\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u0905\u0938\u0902\u0917\u0920\u093f\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928<\/h3>\n\n\n\n<p>\u092d\u093e\u0930\u0924 \u0915\u0940 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u0940 \u091a\u0941\u0928\u094c\u0924\u0940 \u092f\u0939\u0940 \u0939\u0948 \u0915\u093f \u092c\u0921\u093c\u0940 \u0906\u092c\u093e\u0926\u0940 informal economy \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0907\u0938\u0940\u0932\u093f\u090f \u0938\u0930\u0915\u093e\u0930 \u0928\u0947:<\/p>\n\n\n\n<ul>\n<li>Atal Pension Yojana<\/li>\n\n\n\n<li>\u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e\u090f\u0901<\/li>\n\n\n\n<li>\u092c\u0948\u0902\u0915 \u0906\u0927\u093e\u0930\u093f\u0924 enrolment<\/li>\n\n\n\n<li>\u0921\u093f\u091c\u093f\u091f\u0932 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e<\/li>\n<\/ul>\n\n\n\n<p>\u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 coverage \u092c\u0922\u093c\u093e\u0928\u0947 \u0915\u093e \u092a\u094d\u0930\u092f\u093e\u0938 \u0915\u093f\u092f\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>APY \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0928\u093f\u092e\u094d\u0928 \u0906\u092f \u0935\u0930\u094d\u0917 \u0914\u0930 \u0905\u0938\u0902\u0917\u0920\u093f\u0924 \u092e\u091c\u0926\u0942\u0930\u094b\u0902 \u0915\u094b \u0932\u0915\u094d\u0937\u094d\u092f \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0928\u0940\u0924\u093f\u0917\u0924 \u092c\u0926\u0932\u093e\u0935<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">NPS Vatsalya<\/h2>\n\n\n\n<p>2024 \u092e\u0947\u0902 \u0936\u0941\u0930\u0942 \u0939\u0941\u0908 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f pension account \u0915\u0940 \u0905\u0935\u0927\u093e\u0930\u0923\u093e \u0932\u093e\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f:<\/p>\n\n\n\n<ul>\n<li>Early retirement planning<\/li>\n\n\n\n<li>Long-term wealth accumulation<\/li>\n<\/ul>\n\n\n\n<p>\u092f\u0939 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 inter-generational financial planning \u0915\u0940 \u0928\u0908 \u0926\u093f\u0936\u093e \u092e\u093e\u0928\u0940 \u091c\u093e \u0930\u0939\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Gig Workers \u0914\u0930 Social Security<\/h2>\n\n\n\n<p>\u0928\u0908 \u0936\u094d\u0930\u092e \u0938\u0902\u0939\u093f\u0924\u093e\u0913\u0902 \u092e\u0947\u0902 gig \u0914\u0930 platform workers \u0915\u0947 \u0932\u093f\u090f pension-linked social security provisions \u0936\u093e\u092e\u093f\u0932 \u0915\u093f\u090f \u0917\u090f \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\u092f\u0939 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948 \u0915\u094d\u092f\u094b\u0902\u0915\u093f:<\/p>\n\n\n\n<ul>\n<li>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 app-based workforce \u0924\u0947\u091c\u0940 \u0938\u0947 \u092c\u0922\u093c \u0930\u0939\u0940 \u0939\u0948<\/li>\n\n\n\n<li>\u0905\u0927\u093f\u0915\u093e\u0902\u0936 gig workers \u0915\u0947 \u092a\u093e\u0938 retirement protection \u0928\u0939\u0940\u0902 \u0939\u0948<\/li>\n<\/ul>\n\n\n\n<p>\u0939\u093e\u0932\u093e\u0901\u0915\u093f \u0905\u092d\u0940 \u0907\u0938\u0915\u093e \u092a\u0942\u0930\u094d\u0923 operational framework \u0938\u094d\u092a\u0937\u094d\u091f \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u0935\u094d\u092f\u093e\u092a\u0915 \u0935\u093f\u0936\u094d\u0932\u0947\u0937\u0923<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">\u0938\u0915\u093e\u0930\u093e\u0924\u094d\u092e\u0915 \u092a\u0915\u094d\u0937<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Pension Inclusion \u092c\u0922\u093c\u0940<\/h3>\n\n\n\n<p>\u092d\u093e\u0930\u0924 \u0928\u0947 \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u092c\u0921\u093c\u0947 \u092a\u0948\u092e\u093e\u0928\u0947 \u092a\u0930 informal workforce \u0915\u094b pension discourse \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0915\u093f\u092f\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Fiscal Pressure \u0915\u092e \u0915\u0930\u0928\u0947 \u0915\u0940 \u0915\u094b\u0936\u093f\u0936<\/h3>\n\n\n\n<p>OPS \u0938\u0947 NPS \u0915\u0940 \u0913\u0930 \u092c\u0926\u0932\u093e\u0935 \u0938\u0930\u0915\u093e\u0930 \u0915\u0947 \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092c\u094b\u091d \u0915\u094b \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u093e \u092a\u094d\u0930\u092f\u093e\u0938 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Capital Market Development<\/h3>\n\n\n\n<p>NPS \u0914\u0930 APY \u0915\u0947 \u092c\u0921\u093c\u0947 corpus \u092d\u093e\u0930\u0924\u0940\u092f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092c\u093e\u091c\u093c\u093e\u0930\u094b\u0902 \u0915\u094b \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u092a\u0942\u0902\u091c\u0940 \u0909\u092a\u0932\u092c\u094d\u0927 \u0915\u0930\u093e \u0930\u0939\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u092a\u094d\u0930\u092e\u0941\u0916 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">1. Guaranteed Income \u092c\u0928\u093e\u092e Market Risk<\/h2>\n\n\n\n<p>NPS \u092e\u0947\u0902 pension amount \u092c\u093e\u091c\u093e\u0930 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0939\u0948\u0964 \u0906\u0930\u094d\u0925\u093f\u0915 \u0905\u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0915\u0947 \u0938\u092e\u092f \u092f\u0939 \u091a\u093f\u0902\u0924\u093e \u0915\u093e \u0935\u093f\u0937\u092f \u092c\u0928 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Informal Sector Coverage \u0905\u092d\u0940 \u092d\u0940 \u0905\u0927\u0942\u0930\u0940<\/h2>\n\n\n\n<p>\u092d\u093e\u0930\u0924 \u0915\u0940 \u092c\u0921\u093c\u0940 \u0906\u092c\u093e\u0926\u0940 \u0905\u092d\u0940 \u092d\u0940 \u0928\u093f\u092f\u092e\u093f\u0924 pension savings \u0938\u0947 \u092c\u093e\u0939\u0930 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Social Pension \u0915\u0940 \u0905\u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0930\u093e\u0936\u093f<\/h2>\n\n\n\n<p>\u0915\u0908 \u0930\u093e\u091c\u094d\u092f\u094b\u0902 \u092e\u0947\u0902 \u0935\u0943\u0926\u094d\u0927\u093e\u0935\u0938\u094d\u0925\u093e \u092a\u0947\u0902\u0936\u0928 \u0905\u092d\u0940 \u092d\u0940 \u091c\u0940\u0935\u0928\u092f\u093e\u092a\u0928 \u0915\u0940 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0932\u093e\u0917\u0924 \u0938\u0947 \u092c\u0939\u0941\u0924 \u0915\u092e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. \u0935\u0943\u0926\u094d\u0927 \u0939\u094b\u0924\u0940 \u0906\u092c\u093e\u0926\u0940<\/h2>\n\n\n\n<p>\u092d\u093e\u0930\u0924 \u0906\u0928\u0947 \u0935\u093e\u0932\u0947 \u0926\u0936\u0915\u094b\u0902 \u092e\u0947\u0902 \u0924\u0947\u091c\u0940 \u0938\u0947 ageing society \u0915\u0940 \u0913\u0930 \u092c\u0922\u093c \u0930\u0939\u093e \u0939\u0948\u0964 \u0907\u0938\u0938\u0947 pension burden \u0914\u0930 healthcare pressure \u0926\u094b\u0928\u094b\u0902 \u092c\u0922\u093c\u0947\u0902\u0917\u0947\u0964<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937<\/h1>\n\n\n\n<p>\u092d\u093e\u0930\u0924 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0905\u092c \u0915\u0947\u0935\u0932 \u0938\u0930\u0915\u093e\u0930\u0940 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0924\u0915 \u0938\u0940\u092e\u093f\u0924 \u0928\u0939\u0940\u0902 \u0930\u0939\u0940\u0964 \u092f\u0939 \u090f\u0915 multi-layered social security architecture \u092c\u0928 \u091a\u0941\u0915\u0940 \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902:<\/p>\n\n\n\n<ul>\n<li>contributory pensions,<\/li>\n\n\n\n<li>social assistance,<\/li>\n\n\n\n<li>market-linked retirement savings,<\/li>\n\n\n\n<li>\u0914\u0930 targeted welfare<\/li>\n<\/ul>\n\n\n\n<p>\u0938\u092d\u0940 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>\u0932\u0947\u0915\u093f\u0928 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0938\u092b\u0932\u0924\u093e \u0907\u0938 \u092c\u093e\u0924 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0947\u0917\u0940 \u0915\u093f:<\/p>\n\n\n\n<ul>\n<li>\u0915\u094d\u092f\u093e pension coverage \u0935\u093e\u0938\u094d\u0924\u0935 \u092e\u0947\u0902 universal \u092c\u0928 \u092a\u093e\u0924\u0940 \u0939\u0948,<\/li>\n\n\n\n<li>\u0915\u094d\u092f\u093e informal workers \u0915\u094b \u0938\u094d\u0925\u093e\u092f\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092e\u093f\u0932\u0924\u0940 \u0939\u0948,<\/li>\n\n\n\n<li>\u0914\u0930 \u0915\u094d\u092f\u093e \u0938\u0930\u0915\u093e\u0930 fiscal sustainability \u0924\u0925\u093e \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u092c\u0940\u091a \u0938\u0902\u0924\u0941\u0932\u0928 \u092c\u0928\u093e\u090f \u0930\u0916 \u092a\u093e\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u092d\u093e\u0930\u0924 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e : \u0935\u093f\u0938\u094d\u0924\u093e\u0930, \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0914\u0930 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0940 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u093e\u0901 \u092d\u093e\u0930\u0924 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u092a\u093f\u091b\u0932\u0947 \u0926\u094b \u0926\u0936\u0915\u094b\u0902 \u092e\u0947\u0902 \u092c\u0921\u093c\u0947 \u0938\u0902\u0930\u091a\u0928\u093e\u0924\u094d\u092e\u0915 \u092c\u0926\u0932\u093e\u0935\u094b\u0902 \u0938\u0947 \u0917\u0941\u091c\u093c\u0930\u0940 \u0939\u0948\u0964 \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u201cDefined Benefit\u201d \u0906\u0927\u093e\u0930\u093f\u0924 \u092a\u0941\u0930\u093e\u0928\u0940 \u092a\u0947\u0902\u0936\u0928 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e (OPS) \u0938\u0947 \u0906\u0917\u0947 \u092c\u0922\u093c\u0924\u0947 \u0939\u0941\u090f \u0905\u092c \u0926\u0947\u0936 \u090f\u0915 \u092c\u0939\u0941-\u0938\u094d\u0924\u0930\u0940\u092f contributory pension framework \u0915\u0940 \u0913\u0930 \u092c\u0922\u093c \u091a\u0941\u0915\u093e \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0938\u0930\u0915\u093e\u0930\u0940 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[231],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/udaen.info\/index.php?rest_route=\/wp\/v2\/posts\/39490"}],"collection":[{"href":"https:\/\/udaen.info\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/udaen.info\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/udaen.info\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/udaen.info\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=39490"}],"version-history":[{"count":1,"href":"https:\/\/udaen.info\/index.php?rest_route=\/wp\/v2\/posts\/39490\/revisions"}],"predecessor-version":[{"id":39491,"href":"https:\/\/udaen.info\/index.php?rest_route=\/wp\/v2\/posts\/39490\/revisions\/39491"}],"wp:attachment":[{"href":"https:\/\/udaen.info\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=39490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/udaen.info\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=39490"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/udaen.info\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=39490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}