A Case Study with Overview of Pradhan Matri Jan Dhan Yojna (Atal Pension Yojana)
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The study finds that existing channels of banking industry are very well utilized but due to lack of attractive features, Atal Pension Yojana is still not accepted by larger public. There is requirement of essential changes in the basic features related to amount of pension, tax exemption and claim settlement. Atal Pension Yojana is still favorable investment for those who are willing to contribute small but for longer duration for their pension funds. It is considered as landmark move by government of India towards pensioned society from pension less society. The Union government is eager to ensure financial security for unorganized sector workers, numbering over 410 million, in their old age. To tackle the prolonged existence risks among the workers in unorganized sector and to push the workers in unorganized sector to willingly save for their retirement. Atal Pension Yojana was introduced on 1st June 2015, under the promising Pradhan Mantri Jan Dhan Yojana with the aim to provide financial support of pension to all the citizen of India with motto of “Jan-Dhan se Jan Surakhsha”. The study is based on secondary data collected from different websites and IRDA Journals.
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