20 January 2026

Описание: Pension reforms in India are among the most debated issues in public finance, governance, and fiscal sustainability.
In this lecture, Amjad Bin Talib provides a clear and comparative explanation of the Pension System in India, covering OPS, CPS, NPS, APGPS and TAPS—from both conceptual and examination perspectives.

This session helps aspirants understand why India shifted from OPS to NPS, the recent policy debates, and the implications for government finances and future generations.

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🔍 Key Areas Covered

✔ Old Pension Scheme (OPS): features, benefits & fiscal burden
✔ Contributory Pension Scheme (CPS) – rationale and structure
✔ National Pension System (NPS): architecture, advantages & criticisms
✔ APGPS (Andhra Pradesh Guaranteed Pension Scheme) – key features
✔ TAPS (Telangana Additional Pension Scheme) – policy intent
✔ OPS vs NPS vs CPS – comparative analysis
✔ Fiscal sustainability & pension liabilities
✔ Relevance for UPSC Prelims, GS-III Mains & Interviews

📌 Why this topic is important for UPSC & State PCS?
• Frequently asked in GS-III (Indian Economy & Public Finance)
• Linked with current affairs & state-level policy decisions
• Useful for Essay and Interview discussions

Pension is not just a welfare issue; it is a question of inter-generational equity.

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🔔 For Aspirants

📘 Watch till the end for conceptual clarity + exam-oriented insights
📘 Subscribe to EduTalib by Amjad Bin Talib for free guidance
📘 Share this lecture with fellow aspirants

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