01434nam a22001457a 4500999001900000008004100019100006200060245008000122260003300202300003300235520087200268773003301140942000701173952010801180  c533141d533141260427b           ||||| |||| 00| 0 eng d  a Banerjee, Manoshij and   Abdulla. Mohammed Shahid960253  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   cAR  00102ddc40709408313aIIPAbIIPAd2026-04-27h61(7), Feb 14, 2026: p.23-26pAR138652r2026-04-27yAR