A growing concern

State Pensions

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By international standards india does not have a demographic problem. According to the 2007 census it has a reproduction rate of 2.8 children per woman, considerably above the 2.1 replacement rate, and over 65s account for just 4.9% of the population. These figures are extremely favourable in comparison to the UK's replacement rate of 1.63 and the 15%, and rising, portion of its population who are over 65.

But this is changing, according to the New Delhi-based Pension Fund Regulatory and Develop

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