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RAS question

APY targets which category of workers?

Correct answer: (B) Unorganised sector workers.

Atal Pension Yojana targets workers in the unorganised sector, with joining allowed from 18 to 40 years of age.

  1. (A)

    Central govt employees

  2. (B)

    Unorganised sector workers

  3. (C)

    Only agricultural labourers

  4. (D)

    State govt employees

Explanation

Atal Pension Yojana is aimed at extending pension cover to people outside the organised, salaried safety net. The official PFRDA page says the scheme was introduced to support a universal social security system for Indians, especially the poor, the under-privileged and workers in the unorganised sector. Workers in the unorganised sector are the intended beneficiary category. PFRDA states that the minimum joining age is 18 years and the maximum is 40 years. For RAS Indian Economy preparation, the key is not the pension amount or the implementing bank network, but the intended beneficiary category: unorganised sector workers.

Why the other options are wrong

  • (A) Central government employees are not APY's target category; the scheme is framed around social security for the poor, under-privileged and workers in the unorganised sector.
  • (C) Only agricultural labourers is too narrow, because APY targets the wider unorganised sector, not one occupation within it.
  • (D) State government employees are not the targeted worker category; APY functions as a social security scheme especially for unorganised sector workers.

Concept

Social security schemes under Indian Economy connect welfare design with beneficiary categories. Scheme targeting is central to understanding inclusion, labour informality and public finance priorities in RAS preparation.

Source

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