The pension fund market in India was valued at INR 13.72 tr in 2010 and is estimated to grow at 7% CAGR. Low existing coverage and massive workforce in the unorganized sector provides a huge untapped market for the pension market. Strong opportunity for the private players also exists as the government provides ample support to them. The government also aims to take significant measures to implement the new pension scheme and increase pension coverage. Support to foreign players and changing demographics in the country will drive the market.
report begins with an introduction including the history of India鈥檚 social security laws Cheap Park Joo-ho Jersey , types of pension systems and the various pension schemes in India. This section introduces one to the pension structure that has been followed in India historically. The various pillars of pension schemes and their characteristic features have also been provided including nature, eligibility, applicability, funding, benefit, premature withdrawal option and taxation.
This is followed by the market overview section which gives an insight into the overall pension fund market Cheap Ousmane Dembele Jersey , its size and growth. It delves further into the growth of pension premium, pension coverage and government pension expenditure. Growth of pension premium was much more compared to that of the total life insurance premium in 2007-08. Percentage of pension in total number of policies, including insurance policies, has also risen to 20% in 2008. Pensions comprise of one of the largest components of government expenditures and are set to increase further. The government has taken to encourage and support private pension funds to ease the financial burden.
An analysis of the drivers explain the factors for growth of the industry including low existing coverage, changing demographic pattern, higher savings rate Cheap Omer Toprak Jersey , support to private and foreign players and increasing investment potential. Strong opportunity exists in the market as existing penetration and coverage of pension funds is low. This coupled with the fact that life expectancy amongst individuals is rising and the trend towards higher savings will lead to a developing market. The key challenges of the market include structural flaws in pension systems including low returns, market domination and implementation hurdles. Additionally, pension systems in the market have a rigid structure, not providing the necessary flexibility to consumers. Burden on government finances has created a major fiscal drag.
This is followed by a section on government participation which covers various regulations, initiatives and schemes forwarded by them including Employees鈥?Provident Fund Organisation, Project OASIS Cheap Nuri Sahin Jersey , High Level Expert Group (HLEG), Pension Fund Regulatory and Development Authority (PFRDA), New Pension Scheme (NPS) and Expected Developments. New Pension Scheme also incorporates information regarding the framework, key constituents, basic cost structure, performance with statistics Cheap Neven Subotic Jersey , recent initiatives and future outlook.
The competition section provides an overview of the competitive landscape in the industry and includes a detailed profile of the major players in the market. The report concludes with a section on strategic recommendations which comprises of an analysis of the growth strategies of the pension fund market in et Report
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