01257nam a22001097a 4500008004100000100005500041245008000096260003300176300003300209520087200242773003301114260427b           ||||| |||| 00| 0 eng d  a Banerjee, Manoshij and   Abdulla. Mohammed Shahid  aDoes the Atal pension Yojana use ‘nudge theory’ to drive up enrolments?  aEconomic & Political Weekly   a61(7), Feb 14, 2026: p.23-26  aThe auto-enrolment feature of India’s Atal Pension Yojana is critically examined. The application of “nudge theory” is analysed in APY in comparison with successful pension schemes globally and three key divergences are identified: misaligned incentives, reliance on paper-based rather than digital enrolment, and cumbersome opt-out procedures. The article argues that APY’s auto-enrolment mechanism substantially departs from established best practices in behavioural economics and may result in non-consensual enrolment and retention. It concludes that the scheme reflects a misapplication of nudge theory and underscores the need to reassess its enrolment and exit design to ensure ethical implementation and enhanced pension coverage in India.-Reproduced 

https://www.epw.in/journal/2026/7/commentary/does-atal-pension-yojana-use-nudge-theory-drive.html
  aEconomic & Political Weekly