IRCP

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International Research Conference

April 3–4, 2025 | Bharat Mandapam, New Delhi

The Pension Fund Regulatory and Development Authority (PFRDA), in collaboration with IIM Ahmedabad, successfully organized the 1st International Research Conference on Pension (IRCP 2025) on April 3–4, 2025, at Bharat Mandapam, New Delhi.

With participation from over 250 delegates across four continents, the conference brought together more than 40 distinguished speakers and panellists from global regulatory bodies, academia, and the pension industry.

Key Highlights

  • Thematic Sessions on:
    • Resilient old-age income systems
    • Innovative investment practices
    • Regulatory coordination
    • Financial literacy
    • Risk-return strategies in pension fund investments
  • Academic Segment:
    • 120+ research paper submissions
    • 8 papers presented
    • 23 papers showcased as posters

The conference served as a dynamic platform for international dialogue, fostering policy development and cross-sectoral knowledge exchange on the future of pension systems.

List of Papers Accepted for Stage Presentation

Sr. No.

Title

Name

Organization

1

Analysing the Effect of Socioeconomic Factors on Pension Scheme Adoption and Financial Security in Retirement: A Regression Approach

Rahul Chauhan

Unitedworld Institute of Manageent, Karnavati University

Aalap Patel

Unitedworld Institute of Manageent, Karnavati University

Bhoomi Chouhan

Bapu College, Gandhinagar

2

Strategies for Expanding Coverage, Improving Product Diversity, and Ensuring Adequate Retirement Security  A Focus on the National Pension System NPS

Pankaj Saggi

Navrachana University

Hitesh Bhatia

Navrachana University

3

Retirement planning: Understanding the impact of uncertainty and behavioural biases

(was Awarded with 2nd Best Paper Award)

Pankhuri Sinha

University of Hyderabad

Lokanandha Reddy

University of Hyderabad

4

Analysis of Pension Funds on Economic Development in India and Brazil

Subham Saha

St. Xavier's College, Kolkata

Chayan Ganguly

Neoma Business School, Reims

5

The Great Indian Pension Debate

Shweta Kalla Baxi

Indian Institute of Technology Bombay

Sarthak Gaurav

Indian Institute of Technology Bombay

Usha Ananthakumar

Indian Institute of Technology Bombay

6

Balancing Acts: Safe Withdrawal Rates in the Indian Context
(was Awarded with Best Paper Award)

Rajan Raju

Invespar Pte Ltd

Ravi Saraogi

Samasthiti Advisors

7

On Safe Withdrawal Rate in the Indian Context under
National Pension System

Pushpinder Singh

Pension Fund Regulatory and Development Authority

8

Unlocking APY’s Potential: How Early Enrollment Secures   Retirement

Ranjan Paul

Mizoram University

Bhartendu Singh

Mizoram University

 

 

List of Papers Accepted for Poster Presentation

Sr.No.

Title

Author Details

Organization

1

ARTIFICIAL INTELLIGENCE (AI) IN PENSION SYSTEMS FORMULATING FUTURE STRATEGIES

Arumugarangarajan P

Kavita Singam

Pension Fund Regulatory and Development Authority

2

Investing in the Future: Exploring the Dual Role of Pension Funds in Infrastructure Growth and ESG-Conscious Market Positioning

Dr Pooja Neemey

Sanskar College of Management & Professional Studies, Delhi NCR Region

Dr Nidhi Singhal

Sanskar College of Management & Professional Studies, Delhi NCR Region

Dr Namita Sahay

AIBS, Amity University, Noida

3

Nine Years of APY- A Comprehensive Analysis of the Government of India’s Defined Contribution Guaranteed Pension Scheme

Prof. Tanuj Nandan

Head of Department, School of Management Studies, MNNIT Allahabad

Prodeepto Chatterjee

Research Scholar, School of Management Studies, MNNIT Allahabad

4

In the Rupees' Reach: A Comprehensive Analysis of Financial
Inclusion Determinants in India

Aarti Madan

Atal Bihari Vajpayee School of Management and Entrepreneurship, Jawaharlal Nehru University

Dr. Vaniki JJOshi Lohani

Assistant Professor, Atal Bihari Vajpayee School of Management and Entrepreneurship, Jawaharlal Nehru University

5

Extending Equity Investment Flexibility to CG and SG Scheme under NPS: A Policy Analysis of Feasibility, Challenges and Execution.

Dr.Haladhara Sahu

PHD in Pension Economics from DSE,DU. Asst.Prof.OES-A, HOD Commerce & Mgt. Kalahandi University, Odisha

Abhishek Ashish

Assistant Professor, K.L.S College, Nawada, Magadh University

6

Optimizing Portfolio Performance in Defined Benefit Pension Funds: A Case Study of India's EPFO

Keshav Kant Prasad

National Institute of Technology Durgapur

Amlan Ghosh

National Institute of Technology Durgapur

7

Empowering Financial Literacy for Effective Retirement
Planning: A Bibliometric Analysis of Financial Inclusion in
BRICS Nations

Yogesh Sharma

Atal Bihari Vajpayee School of Management & Entrepreneurship, Jawaharlal Nehru University

Ankit Suri

Motilal Nehru College, University of Delhi

8

REGULATIONS REVIEW: PRUDENCE, PROPORTIONALITY, AND PROACTIVENESS

Sumit Agrawal

Regstreet Law Advisors

Priyanka Pai

PFRDA

9

Enablers of Financial Literacy Among Informal Sector Workers in India: Insights from a Grounded Theory

Ankit Suri

Motilal Nehru College, University of Delhi

Lokesh Jindal

Jawaharlal Nehru University

10

Long-Term Wealth, Lasting Impact: Pension Fund Investments in Sustainable Infrastructure

Pradip Thombare

Assistant Professor, Sinhgad Institute of management, Pune-41

Rakesh Bhati

Professor,ASM’s IBMR- Chinchwad, Pune-19

11

Comparative Evaluation of Public Provident Fund (PPF) and National Pension Scheme (NPS) for Retirement Planning: An AHP Perspective

Ca. Sanjeev Singh Thakur

Sharda University Agra

12

Mapping the landscape of Financial Literacy: Evidence from
Bibliometric analysis

Dr. Priyanka Dalmia

Meerut Institute of Engineering & Technology

Dr. Nitin Garg

APS College of Education

Abhijeet Chatterjee

Meerut Institute of Technology

Dr. Madhu Bala Sharma

Meerut Institute of Engineering & Technology

13

Moving towards a Fully Pensioned Society: Examining
Coverage, Adequacy and Policy Challenges in Indian Coal
Sector

Yachika Kumari

IIT KHARAGPUR, WEST BENGAL

Sushmita Mukhopadhyay

IIT KHARAGPUR, WEST BENGAL

14

ATAL PENSION YOJANA AS A PILLAR OF FINANCIAL INCLUSION TO
EMPOWER THE PATH TOWARDS VIKSIT BHARAT @ 2047

Pawan Sharma

School of Management, University of Engineering & Management

Jagriti Gupta

School of Business, Galgotias University, Greater Noida

Shabana Azami

School of Liberal Education, Galgotia University, Greater Noida, Uttar Pradesh (India)

15

The Role of Financial Literacy in Shaping Retirement Savings and Investment Choices in SAARC Nations

Md. Julker Naim

Adamas University, Kolkata- 700126, West Bengal, India.

Sharmila Kayal

Adamas University, Kolkata- 700126, West Bengal, India.

16

An exploratory study of penetration and potential
universalization of Atal Pension Yojana in India.

Vaibhavi Pingale

PhD Scholar

Anurag Asawa

PhD Supervisor

Santoshi Rajguru

Research Associate

17

Leveraging Reverse Mortgages for Sustainable Financial Freedom: Enhancing Customer Awareness and Reducing Cognitive Dissonance in Decision-Making

Nitika Sharma

Chitkara Business School, Chitkara University

Supriya Sehgal

Maharaja Agrasen Business School, New Delhi

Sridhar Manohar

Chitkara Business School, Chitkara University, Punjab

18

Exploring Factors Influencing the Adoption of the National
Pension System in Tamil Nadu

S.N.Bharathi Rukshena

Vellore Institute of Technology

Mohd Afjal

Vellore Institute of Technology

19

From Planning to Reality: Exploring Procrastination as a
Mediator in Financial Decisions and Well-Being of Senior
Citizens in Old Age Homes.

Taank Jyoti Santram

SRM University, Sonepat, Haryana

Renu Choudhary

SRM University, Sonepat, Haryana

20

Inclusive Growth of State of Uttar Pradesh: Improved Model
for  Guaranteed Pension for Viksit Bhartiye

Pradyuman Kumar Dubey

Scholar, Department of Management Studies, Siddharth University Kapilvastu, Siddharth Nagar, UP

Manish Sharma

Associate Professor, Department of Management Studies, Siddharth University Kapilvastu, Siddharth Nagar, UP

21

Adapting to Uncertainty: Exploring Retirement Planning
behaviour of Unorganized Sector Workers

Srijana Tamag

National Institute of Technology, Durgapur

Dr Amlan Ghosh

National Institute of Technology, Durgapur