首席经济顾问 V·阿南塔·纳格斯瓦兰呼吁养老基金投资印度基础设施建设，强调养老资金是增长所需的“最有耐心的资本”。
CEA V Anantha Nageswaran urges pension funds to invest in Indian infrastructure, highlighting pension money as "most patient capital" for growth.
首席经济顾问 V·阿南塔·纳格斯瓦兰周四（10月1日）在国家养老金计划日（NPS Diwas）纪念活动上表示，养老资金是基础设施建设的“最有耐心的资本”，养老基金应将投资引导至印度基础设施领域。
Pension money is the “most patient capital” for infrastructure building and pension funds should channelise investments into Indian infrastructure, Chief Economic Adviser V Anantha Nageswaran said at an event marking NPS Diwas on Thursday (October 1).
纳格斯瓦兰指出，印度家庭储蓄显示出向市场投资倾斜的趋势，同时强调养老储蓄作为经济长期资金来源的作用。
Nageswaran said Indian household savings have shown an inclination towards market investments, while highlighting the role of pension savings as a source of long-term capital for the economy.
据首席经济顾问透露，国家养老金计划（NPS）资产管理规模目前约为18万亿卢比，其中28%投资于股票，21%投资于债券，40%以上投资于政府证券。
The NPS corpus currently stands at around ₹18 lakh crore, of which 28% is invested in equity, 21% in bonds and more than 40% in government securities, according to the CEA.
他还表示，养老金制度的设计至关重要。首席经济顾问指出，印度储蓄者已转向市场投资，但长期规划仍是需要更多关注的领域。
He also said the design of the pension system matters. The CEA noted that Indian savers have moved towards market investments, but long-term planning remains an area that needs greater focus.
纳格斯瓦兰说，虽然短期交易可能令人兴奋，但印度家庭应认识到在长期资产中进行长期储蓄的重要性。他将此与养老规划以及“发达印度”（Viksit Bharat）的更广泛目标联系起来。
While short-term trading can be exciting, Indian households should recognise the importance of saving for the long term in long-term assets, Nageswaran said. He linked this to old-age planning as well as the broader objective of Viksit Bharat.
他表示，这也要求对金融机构和产品建立信任，使储蓄者无需成为金融专家。
He said this also calls for trust in financial institutions and products that do not require savers to become financial experts.
金融服务部秘书桑杰·洛希亚表示，许多NPS参与者即使多年后仍继续处于养老投资的“默认模式”。
Department of Financial Services Secretary Sanjay Lohia said many NPSrs continue to remain in the “default mode” with respect to their pension investments even after several years.
他表示，需要分析应给予养老金领取者多大的灵活性，同时强调养老基金管理人应理解其责任，不应将NPS视为“另一个计划”。
He said an analysis was required on how much flexibility should be available to pensionrs, while stressing that pension fund managers should understand their responsibilities and not treat NPS as “another scheme”.
PFRDA（印度公共退休基金管理局）主席Sivasubramanian Ramann表示，过去一年中，NPSr（国家公共退休基金）的规模增长了27%，其中非政府部门仍然是该基金的重点关注领域。他提到，NPS管理的资产总额约占印度国内生产总值（GDP）的5%；同时，“Atal Pension Yojana”（阿塔尔养老金计划）的参保人数已达到135万人。
PFRDA Chairman Sivasubramanian Ramann said the NPSr base had grown 27% over the past year, with the non-government sector remaining a key focus area. He said NPS manages a corpus equivalent to about 5% of India’s GDP, while Atal Pension Yojana enrolments had reached 1.35 crore.