Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

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</span></span></code>
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</span></span></code></pre><pre id="cakeErr67f148546aa3d-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
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-The Times of India&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.&lt;br /&gt;
&lt;br /&gt;
The finance ministry has begun talks to rope in 1.5 lakh post offices along with kirana shops and chemists to sell pension plans with an assurance of minimum returns. Sources told TOI that the department of posts, which is soon launching its payments bank operations, has decided to tweak its core banking software to push the Atal Pension Yojana. &amp;quot;They will treat it like a third party product and earn some commission on it,&amp;quot; an official said.&lt;br /&gt;
&lt;br /&gt;
The department of financial services has now set its eyes on other distribution networks, including outlets selling recharge coupons for mobile phones, to push the product.&lt;br /&gt;
&lt;br /&gt;
Unlike the group life insurance scheme or the accident cover launched by the Narendra Modi government, the Atal Pension Yojana has been slow to take off, although it has picked up in recent weeks. Of the 12.15 crore policies sold under the Jan Suraksha Yojana, there were only 11 lakh Atal Pension Yojana plans.&lt;br /&gt;
&lt;br /&gt;
In contrast, a little under 9.2 crore accident insurance policies, that cost Rs 12 a year, have been sold. Sales of life insurance policies with a premium of Rs 12 a month added up to over 2.86 crore on December 1.&lt;br /&gt;
&lt;br /&gt;
The somewhat poor response to the pension scheme has prodded the government to tap other sales options besides popularizing it. In any case, financial sector experts believe that pension plans are the toughest to sell. Unlike several other financial products, which are &amp;quot;bought&amp;quot;, pension schemes have to be &amp;quot;sold&amp;quot;, they said. In other words, the agent has to spend considerable time explaining the need to plan for old age, something that is not treated as priority even by the well-off.&lt;br /&gt;
&lt;br /&gt;
Will the kirana shops and chemists be able to push pension plans? Government Officials believe they can. They said that for a kirana shop owner or a chemist, especially in rural and semi-urban areas, commission from the pension plan will be a &amp;quot;top-up income&amp;quot;, considering there are no infrastructure costs. The government will get them to undergo the required training organized by the Pension Fund Regulatory and Development Authority.&lt;br /&gt;
&lt;br /&gt;
Insurance company executives, who also hawk pension plans, said it is a tough proposition. In fact, they pointed out that poor commission is one of the main factors behind failure of the National Pension System to take off.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
The department of financial services has now set its eyes on other distribution networks, including outlets selling recharge coupons for mobile phones, to push the product.&lt;br /&gt;
&lt;br /&gt;
Unlike the group life insurance scheme or the accident cover launched by the Narendra Modi government, the Atal Pension Yojana has been slow to take off, although it has picked up in recent weeks. Of the 12.15 crore policies sold under the Jan Suraksha Yojana, there were only 11 lakh Atal Pension Yojana plans.&lt;br /&gt;
&lt;br /&gt;
In contrast, a little under 9.2 crore accident insurance policies, that cost Rs 12 a year, have been sold. Sales of life insurance policies with a premium of Rs 12 a month added up to over 2.86 crore on December 1.&lt;br /&gt;
&lt;br /&gt;
The somewhat poor response to the pension scheme has prodded the government to tap other sales options besides popularizing it. In any case, financial sector experts believe that pension plans are the toughest to sell. Unlike several other financial products, which are &amp;quot;bought&amp;quot;, pension schemes have to be &amp;quot;sold&amp;quot;, they said. In other words, the agent has to spend considerable time explaining the need to plan for old age, something that is not treated as priority even by the well-off.&lt;br /&gt;
&lt;br /&gt;
Will the kirana shops and chemists be able to push pension plans? Government Officials believe they can. They said that for a kirana shop owner or a chemist, especially in rural and semi-urban areas, commission from the pension plan will be a &amp;quot;top-up income&amp;quot;, considering there are no infrastructure costs. The government will get them to undergo the required training organized by the Pension Fund Regulatory and Development Authority.&lt;br /&gt;
&lt;br /&gt;
Insurance company executives, who also hawk pension plans, said it is a tough proposition. In fact, they pointed out that poor commission is one of the main factors behind failure of the National Pension System to take off.&lt;br /&gt;
&lt;br /&gt;
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Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
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Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
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NEW DELHI: After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.

The finance ministry has begun talks to rope in..."/>
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                <strong>Govt eyes post offices, kiranas for pension plans -Sidhartha</strong></h1>
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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f148546aa3d-trace').style.display = (document.getElementById('cakeErr67f148546aa3d-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67f148546aa3d-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f148546aa3d-code').style.display = (document.getElementById('cakeErr67f148546aa3d-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f148546aa3d-context').style.display = (document.getElementById('cakeErr67f148546aa3d-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f148546aa3d-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
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-The Times of India&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.&lt;br /&gt;
&lt;br /&gt;
The finance ministry has begun talks to rope in 1.5 lakh post offices along with kirana shops and chemists to sell pension plans with an assurance of minimum returns. Sources told TOI that the department of posts, which is soon launching its payments bank operations, has decided to tweak its core banking software to push the Atal Pension Yojana. &amp;quot;They will treat it like a third party product and earn some commission on it,&amp;quot; an official said.&lt;br /&gt;
&lt;br /&gt;
The department of financial services has now set its eyes on other distribution networks, including outlets selling recharge coupons for mobile phones, to push the product.&lt;br /&gt;
&lt;br /&gt;
Unlike the group life insurance scheme or the accident cover launched by the Narendra Modi government, the Atal Pension Yojana has been slow to take off, although it has picked up in recent weeks. Of the 12.15 crore policies sold under the Jan Suraksha Yojana, there were only 11 lakh Atal Pension Yojana plans.&lt;br /&gt;
&lt;br /&gt;
In contrast, a little under 9.2 crore accident insurance policies, that cost Rs 12 a year, have been sold. Sales of life insurance policies with a premium of Rs 12 a month added up to over 2.86 crore on December 1.&lt;br /&gt;
&lt;br /&gt;
The somewhat poor response to the pension scheme has prodded the government to tap other sales options besides popularizing it. In any case, financial sector experts believe that pension plans are the toughest to sell. Unlike several other financial products, which are &amp;quot;bought&amp;quot;, pension schemes have to be &amp;quot;sold&amp;quot;, they said. In other words, the agent has to spend considerable time explaining the need to plan for old age, something that is not treated as priority even by the well-off.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
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Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
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-The Times of India

NEW DELHI: After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.

The finance ministry has begun talks to rope in..."/>
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                <strong>Govt eyes post offices, kiranas for pension plans -Sidhartha</strong></h1>
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                <div align="justify">-The Times of India<br /><br /><em>NEW DELHI: </em>After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.<br /><br />The finance ministry has begun talks to rope in 1.5 lakh post offices along with kirana shops and chemists to sell pension plans with an assurance of minimum returns. Sources told TOI that the department of posts, which is soon launching its payments bank operations, has decided to tweak its core banking software to push the Atal Pension Yojana. &quot;They will treat it like a third party product and earn some commission on it,&quot; an official said.<br /><br />The department of financial services has now set its eyes on other distribution networks, including outlets selling recharge coupons for mobile phones, to push the product.<br /><br />Unlike the group life insurance scheme or the accident cover launched by the Narendra Modi government, the Atal Pension Yojana has been slow to take off, although it has picked up in recent weeks. Of the 12.15 crore policies sold under the Jan Suraksha Yojana, there were only 11 lakh Atal Pension Yojana plans.<br /><br />In contrast, a little under 9.2 crore accident insurance policies, that cost Rs 12 a year, have been sold. Sales of life insurance policies with a premium of Rs 12 a month added up to over 2.86 crore on December 1.<br /><br />The somewhat poor response to the pension scheme has prodded the government to tap other sales options besides popularizing it. In any case, financial sector experts believe that pension plans are the toughest to sell. Unlike several other financial products, which are &quot;bought&quot;, pension schemes have to be &quot;sold&quot;, they said. In other words, the agent has to spend considerable time explaining the need to plan for old age, something that is not treated as priority even by the well-off.<br /><br />Will the kirana shops and chemists be able to push pension plans? Government Officials believe they can. They said that for a kirana shop owner or a chemist, especially in rural and semi-urban areas, commission from the pension plan will be a &quot;top-up income&quot;, considering there are no infrastructure costs. The government will get them to undergo the required training organized by the Pension Fund Regulatory and Development Authority.<br /><br />Insurance company executives, who also hawk pension plans, said it is a tough proposition. In fact, they pointed out that poor commission is one of the main factors behind failure of the National Pension System to take off.<br /><br /></div>               </font>
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-The Times of India&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.&lt;br /&gt;
&lt;br /&gt;
The finance ministry has begun talks to rope in 1.5 lakh post offices along with kirana shops and chemists to sell pension plans with an assurance of minimum returns. Sources told TOI that the department of posts, which is soon launching its payments bank operations, has decided to tweak its core banking software to push the Atal Pension Yojana. &amp;quot;They will treat it like a third party product and earn some commission on it,&amp;quot; an official said.&lt;br /&gt;
&lt;br /&gt;
The department of financial services has now set its eyes on other distribution networks, including outlets selling recharge coupons for mobile phones, to push the product.&lt;br /&gt;
&lt;br /&gt;
Unlike the group life insurance scheme or the accident cover launched by the Narendra Modi government, the Atal Pension Yojana has been slow to take off, although it has picked up in recent weeks. Of the 12.15 crore policies sold under the Jan Suraksha Yojana, there were only 11 lakh Atal Pension Yojana plans.&lt;br /&gt;
&lt;br /&gt;
In contrast, a little under 9.2 crore accident insurance policies, that cost Rs 12 a year, have been sold. Sales of life insurance policies with a premium of Rs 12 a month added up to over 2.86 crore on December 1.&lt;br /&gt;
&lt;br /&gt;
The somewhat poor response to the pension scheme has prodded the government to tap other sales options besides popularizing it. In any case, financial sector experts believe that pension plans are the toughest to sell. Unlike several other financial products, which are &amp;quot;bought&amp;quot;, pension schemes have to be &amp;quot;sold&amp;quot;, they said. In other words, the agent has to spend considerable time explaining the need to plan for old age, something that is not treated as priority even by the well-off.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
&lt;em&gt;NEW DELHI: &lt;/em&gt;After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.&lt;br /&gt;
&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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&lt;br /&gt;
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NEW DELHI: After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.

The finance ministry has begun talks to rope in...&#039;
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NEW DELHI: After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.

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                <strong>Govt eyes post offices, kiranas for pension plans -Sidhartha</strong></h1>
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                <div align="justify">-The Times of India<br /><br /><em>NEW DELHI: </em>After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.<br /><br />The finance ministry has begun talks to rope in 1.5 lakh post offices along with kirana shops and chemists to sell pension plans with an assurance of minimum returns. Sources told TOI that the department of posts, which is soon launching its payments bank operations, has decided to tweak its core banking software to push the Atal Pension Yojana. &quot;They will treat it like a third party product and earn some commission on it,&quot; an official said.<br /><br />The department of financial services has now set its eyes on other distribution networks, including outlets selling recharge coupons for mobile phones, to push the product.<br /><br />Unlike the group life insurance scheme or the accident cover launched by the Narendra Modi government, the Atal Pension Yojana has been slow to take off, although it has picked up in recent weeks. Of the 12.15 crore policies sold under the Jan Suraksha Yojana, there were only 11 lakh Atal Pension Yojana plans.<br /><br />In contrast, a little under 9.2 crore accident insurance policies, that cost Rs 12 a year, have been sold. Sales of life insurance policies with a premium of Rs 12 a month added up to over 2.86 crore on December 1.<br /><br />The somewhat poor response to the pension scheme has prodded the government to tap other sales options besides popularizing it. In any case, financial sector experts believe that pension plans are the toughest to sell. Unlike several other financial products, which are &quot;bought&quot;, pension schemes have to be &quot;sold&quot;, they said. In other words, the agent has to spend considerable time explaining the need to plan for old age, something that is not treated as priority even by the well-off.<br /><br />Will the kirana shops and chemists be able to push pension plans? Government Officials believe they can. They said that for a kirana shop owner or a chemist, especially in rural and semi-urban areas, commission from the pension plan will be a &quot;top-up income&quot;, considering there are no infrastructure costs. The government will get them to undergo the required training organized by the Pension Fund Regulatory and Development Authority.<br /><br />Insurance company executives, who also hawk pension plans, said it is a tough proposition. In fact, they pointed out that poor commission is one of the main factors behind failure of the National Pension System to take off.<br /><br /></div>               </font>
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-The Times of India<br />
<br />
<em>NEW DELHI: </em>After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.<br />
<br />
The finance ministry has begun talks to rope in 1.5 lakh post offices along with kirana shops and chemists to sell pension plans with an assurance of minimum returns. Sources told TOI that the department of posts, which is soon launching its payments bank operations, has decided to tweak its core banking software to push the Atal Pension Yojana. &quot;They will treat it like a third party product and earn some commission on it,&quot; an official said.<br />
<br />
The department of financial services has now set its eyes on other distribution networks, including outlets selling recharge coupons for mobile phones, to push the product.<br />
<br />
Unlike the group life insurance scheme or the accident cover launched by the Narendra Modi government, the Atal Pension Yojana has been slow to take off, although it has picked up in recent weeks. Of the 12.15 crore policies sold under the Jan Suraksha Yojana, there were only 11 lakh Atal Pension Yojana plans.<br />
<br />
In contrast, a little under 9.2 crore accident insurance policies, that cost Rs 12 a year, have been sold. Sales of life insurance policies with a premium of Rs 12 a month added up to over 2.86 crore on December 1.<br />
<br />
The somewhat poor response to the pension scheme has prodded the government to tap other sales options besides popularizing it. In any case, financial sector experts believe that pension plans are the toughest to sell. Unlike several other financial products, which are &quot;bought&quot;, pension schemes have to be &quot;sold&quot;, they said. In other words, the agent has to spend considerable time explaining the need to plan for old age, something that is not treated as priority even by the well-off.<br />
<br />
Will the kirana shops and chemists be able to push pension plans? Government Officials believe they can. They said that for a kirana shop owner or a chemist, especially in rural and semi-urban areas, commission from the pension plan will be a &quot;top-up income&quot;, considering there are no infrastructure costs. The government will get them to undergo the required training organized by the Pension Fund Regulatory and Development Authority.<br />
<br />
Insurance company executives, who also hawk pension plans, said it is a tough proposition. In fact, they pointed out that poor commission is one of the main factors behind failure of the National Pension System to take off.<br />
<br />
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-The Times of India<br />
<br />
<em>NEW DELHI: </em>After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.<br />
<br />
The finance ministry has begun talks to rope in 1.5 lakh post offices along with kirana shops and chemists to sell pension plans with an assurance of minimum returns. Sources told TOI that the department of posts, which is soon launching its payments bank operations, has decided to tweak its core banking software to push the Atal Pension Yojana. &quot;They will treat it like a third party product and earn some commission on it,&quot; an official said.<br />
<br />
The department of financial services has now set its eyes on other distribution networks, including outlets selling recharge coupons for mobile phones, to push the product.<br />
<br />
Unlike the group life insurance scheme or the accident cover launched by the Narendra Modi government, the Atal Pension Yojana has been slow to take off, although it has picked up in recent weeks. Of the 12.15 crore policies sold under the Jan Suraksha Yojana, there were only 11 lakh Atal Pension Yojana plans.<br />
<br />
In contrast, a little under 9.2 crore accident insurance policies, that cost Rs 12 a year, have been sold. Sales of life insurance policies with a premium of Rs 12 a month added up to over 2.86 crore on December 1.<br />
<br />
The somewhat poor response to the pension scheme has prodded the government to tap other sales options besides popularizing it. In any case, financial sector experts believe that pension plans are the toughest to sell. Unlike several other financial products, which are &quot;bought&quot;, pension schemes have to be &quot;sold&quot;, they said. In other words, the agent has to spend considerable time explaining the need to plan for old age, something that is not treated as priority even by the well-off.<br />
<br />
Will the kirana shops and chemists be able to push pension plans? Government Officials believe they can. They said that for a kirana shop owner or a chemist, especially in rural and semi-urban areas, commission from the pension plan will be a &quot;top-up income&quot;, considering there are no infrastructure costs. The government will get them to undergo the required training organized by the Pension Fund Regulatory and Development Authority.<br />
<br />
Insurance company executives, who also hawk pension plans, said it is a tough proposition. In fact, they pointed out that poor commission is one of the main factors behind failure of the National Pension System to take off.<br />
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NEW DELHI: After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme.

The finance ministry has begun talks to rope in...'
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Govt eyes post offices, kiranas for pension plans -Sidhartha

-The Times of India NEW DELHI: After the success with opening bank accounts and two insurance schemes, the government is lining up a major push for retirement savings under its financial inclusion programme. The finance ministry has begun talks to rope in 1.5 lakh post offices along with kirana shops and chemists to sell pension plans with an assurance of minimum returns. Sources told TOI that the department of posts, which is soon launching its payments bank operations, has decided to tweak its core banking software to push the Atal Pension Yojana. "They will treat it like a third party product and earn some commission on it," an official said. The department of financial services has now set its eyes on other distribution networks, including outlets selling recharge coupons for mobile phones, to push the product. Unlike the group life insurance scheme or the accident cover launched by the Narendra Modi government, the Atal Pension Yojana has been slow to take off, although it has picked up in recent weeks. Of the 12.15 crore policies sold under the Jan Suraksha Yojana, there were only 11 lakh Atal Pension Yojana plans. In contrast, a little under 9.2 crore accident insurance policies, that cost Rs 12 a year, have been sold. Sales of life insurance policies with a premium of Rs 12 a month added up to over 2.86 crore on December 1. The somewhat poor response to the pension scheme has prodded the government to tap other sales options besides popularizing it. In any case, financial sector experts believe that pension plans are the toughest to sell. Unlike several other financial products, which are "bought", pension schemes have to be "sold", they said. In other words, the agent has to spend considerable time explaining the need to plan for old age, something that is not treated as priority even by the well-off. Will the kirana shops and chemists be able to push pension plans? Government Officials believe they can. They said that for a kirana shop owner or a chemist, especially in rural and semi-urban areas, commission from the pension plan will be a "top-up income", considering there are no infrastructure costs. The government will get them to undergo the required training organized by the Pension Fund Regulatory and Development Authority. Insurance company executives, who also hawk pension plans, said it is a tough proposition. In fact, they pointed out that poor commission is one of the main factors behind failure of the National Pension System to take off.